Retirement Plans

Roth IRA 401(k)

• All capital appreciation and earnings grow without current taxation.
• If certain requirements are met, funds can be withdrawn tax-free.
• Never before has there been a means of compounding assets at "taxable" returns with no related income-tax liability.
• All accumulations can be passed to heirs free of income taxes.

Roth IRA Conversion

• Traditional IRA may be eligible to convert into a Roth IRA.
• Converting a traditional IRA into a Roth IRA is a taxable event.
• Your representative can evaluate the benefit to you.

Self-Directed Traditional IRA

• All capital appreciation and earnings grow without current taxation until funds are withdrawn.
• Flexible way to plan and build substantial retirement income because you control the specific investments made.
• Investments can be changed at your discretion.

401(k)

• Employer sponsored program.
• Funded by employee salary deferrals.
• Pre-tax investing.
• Mutual funds or self-directed investing.
• Contributors age 50 and over can make an additional catch-up contribution of $1000.
• Can change fixed investment amount twice a year.

Simple IRA

• Employer sponsored program (less than 100 employees).
• Funded by employee salary deferrals.
• Pre-tax income investing.
• Mutual funds or self-directed investing.
• Contributors age 50 and over can make an additional catch-up contribution of $500.

For individual information on retirement planning, please fill out our contact form and a Brighton Securities financial consultant will personally contact you.