Roth IRA

• Non-deductible annual contributions of up to $3,000 ($6,000 for married couples) using a variety of investments.
• 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• If certain requirements are met, funds can be withdrawn tax-free.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

• Annual contributions of up to $3,000 ($6,000 for married couples).
• All capital appreciation and earnings grow without current taxation until funds are withdrawn.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.
• People age 50 or older in year 2002 can deposit an additional $500.
  

401k

• Employer sponsored program.
  
• Funded by employee salary deferrals.
  
• Pre-tax investing.
  
• Mutual funds or self-directed investing.
  
• $11,000 maximum annual investment for 2002.
  (maximum annual investment limits increase periodically)
  
• Can change fixed investment amount twice a year.
• People age 50 or older in year 2002 can deposit an additional $1,000.

Simple IRA

• Employer sponsored program (less than 100 employees).
  
• Funded by employee salary deferrals.
  
• Pre-tax income investing.
  
• Mutual funds or self-directed investing.
  
• $7,000 is the maximum employee contribution in 2002.