Individual retirEMENT accounts

If you want to save on taxes when you retire, choose a Roth IRA.

Roth IRAs are a good fit if you do not need the tax break now. If flexibility is what you need, consider a Roth IRA.

• You can withdraw regular contributions at any time, tax free and penalty-free.
• You do not have to take mandatory distributions at age 70 1/2.

If you want to save on taxes now, choose a Traditional IRA.

Traditional IRAs make sense if you want a tax deduction now or if you think you will be in a lower tax bracket when you retire.