Want 100% of your savings and earnings at retirement without having to worry about paying taxes or penalties when you make a withdrawal? Then the Roth IRA may be for you.

• Money contributed has already been taxed and is exempt from further taxes
• Can make early withdrawals from principal without penalty
• Principal and earnings are tax-free at withdrawal

Eligibility Requirements:

• The money you contribute to a Roth IRA has already been taxed, so the principal amount is never subject to taxes, as long as you stay within the contribution guidelines.
• If no withdrawal of any earnings has occurred for at least five years, those tax-deferred earnings become tax-free.
• A distribution that is not qualified may be taxable and subject to the IRS ten percent early distribution penalty if you have not reached age 59-1/2.
• You are not required to take distributions from your Roth IRA while you are living.

*Consult your tax advisor regarding your eligibility, contribution guidelines and other account requirements.