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IRA'S ira's
Traditional IRA
(Individual Retirement Account)


For members looking for a way to manage their own retirement savings, or supplement an existing retirement savings plan, the Traditional IRA is great pre-tax option for retirement saving.

Roth IRA

The Taxpayer Relief Act of 1997 introduced the Roth IRA with its after-tax contributions and more generous withdrawal conditions as an attractive alternative to the traditional IRA.

Eligibility and contribution requirements for IRAs are constantly changing so check with your Charlotte Metro representative for the most up to date information on your retirement planning options.


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Coverdell IRA

Worried about paying for your child's education? Don't be. A Coverdell IRA can be a smart way to save.

Although contributions to a Coverdell IRA aren't tax deductible, your withdrawals (including earnings) are tax-free if used for tuition, books and other qualified higher-education costs such as computer equipment.

And, a Coverdell IRA isn't just for college expenses, distributions can also be used for elementary and high school expenses at most public, private and parochial schools.