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When you envision your retirement, what do you see? Whether it’s world travel, relaxing with grandchildren or a second career that involves pursuing a life passion, you need a plan to get you there.
The amount of money you need to save today to retire tomorrow depends in large part on your current age, your income, where you want to live, and how much you want to live it up.
If you’re in your 20s to 40s, we can help you build your portfolio for the decades ahead. If you’re in your 50s and 60s, we can help you devise a smart retirement transition strategy.
You can count on an LPL Financial Advisor for assistance with a full range of financial products.
Traditional IRAs*Tax-deferred earnings on contributions help savings grow more quickly.
Roth IRAs*Offer tax deferral on any earnings in your account.** Withdrawals from the account may be tax-free, as long as they are considered qualified.
Rollover IRAs*Preserve the tax-deferred status of an employer-sponsored retirement plan.
*Limitations and restrictions may apply. Withdrawals prior to age 59½ may result in a 10% IRS penalty tax.
**Future tax laws can change at any time and may impact the benefits of Roth IRAs.
***Traditional IRA account owners should consider the tax ramifications, age and income restrictions before converting from a Traditional IRA to a Roth IRA. The converted amount is generally subject to income taxation.
Fixed and Annuities****Long-term investment tools designed for retirement purposes with the potential for tax-deferred earnings.
****Withdrawals from fixed and annuities prior to age 59½ may be subject to 10% tax penalties and surrender charges may apply. Annuities are subject to market risk and may lose value. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal.
*****Guarantees are based on the claims paying ability of the issuing company.
Work with an LPL Financial Advisor today. He or she can help you prepare a retirement plan based on your unique investment needs and retirement goals.
Contact us to find out more about working with an LPL Financial Advisor.
The information contained on this page is not intended to serve as tax advice. Please consult with your tax advisor to determine the impact of the various tax requirements on your unique circumstances.
INVESTMENTS AND INSURANCE: Are not deposits • Are not FDIC-insured • Are not insured by any Federal Government Agency • Are not guaranteed by the Bank • May go down in value
Securities and investment advisory products and services are offered on the premises of First Niagara branches by LPL Financial LLC, a registered broker/dealer and registered investment advisor, Member FINRA/SIPC. Insurance products are offered on the premises of First Niagara branches by LPL Financial LLC or its licensed affiliates. First Niagara Investment Services is the delivery and distribution channel for investment and insurance products and services offered by LPL Financial LLC on the premises of First Niagara branches. First Niagara Bank, N.A. and First Niagara Investment Services are not registered broker/dealers or investment advisors, nor are they affiliated with LPL Financial LLC.
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