Saving for a Secure Financial Future

We believe saving for retirement is one of the most important financial tasks you’ll undertake. You need an expert that will listen carefully to your needs, explain your options, and help you find the solution that fits your unique financial situation. With a UBI retirement account, you’ll enjoy important tax benefits that may include deferred interest, tax-free income until retirement, possible tax deductions on contributions, and much more.

Traditional IRAs

• No annual fee
• Variable and fixed investment options available
• Contributions may be tax deductible
• Tax-deferred interest until distributed
• Make contributions until the due date for filing income tax returns, normally April 15th, to establish and fund for the previous year
• Mandatory distributions upon attaining 72 years of age are penalty free
• Other income requirements or account restrictions may apply

Roth IRAs

• No annual fee
• Variable and fixed investment options available
• Tax-free interest after a 5-year holding requirement AND any one of the following:
   - After you have attained 59 ½ years of age 
   - After you have become disabled 
   - First-time home purchase (limitations apply)
   - To your beneficiary after your death
  
• Contributions are not tax deductible
• Make contributions until the due date for filing income tax returns, normally April 15th, to establish and fund for the previous year
• Other income requirements or account restrictions may apply

Coverdell Educational Savings Accounts

This savings and investment account is a great way to save for future education expenses.

• No annual fee
• Variable and fixed investment options available
• Withdrawals are tax free when used for qualified education expenses
• Make contributions until the due date for filing income tax returns, normally April 15th, to establish and fund for the previous year
• Contributions are not tax deductible
• Contributions must stop at student’s 18th birth date (except for special-needs’ students)
• Withdrawals must be made by student’s 30th birth date (except for special-needs’ students)
• Other income requirements or account restrictions may apply

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Our trained experts will listen, explain your options, and help you find the right solution.