An Annuity Might Be Right for You if You

— Have maxed out your contributions to 401(k)s and IRAs.

— Like the idea of having your annuity pay out periodically, like a paycheck, after you’ve retired.

— Have someone in your life you want to assure is taken care of financially after you are gone.

— Are comfortable leaving a chunk of your money untouched for at least 7–10 years.

— Are fairly certain you will not withdraw the money before you’re 59½.

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If you’re looking to supplement your retirement savings, an IRA can be a powerful tool to help you reach those goals.

What Is an IRA?

An IRA is an Individual Retirement Account that allows you to save money for retirement with certain tax advantages. Think of an IRA not as an investment product itself but more like a box holding your chosen investments. Those investments may include mutual funds, stocks, bonds, annuities, Certificates of Deposits (CDs) or other financial products. Keep in mind that some restrictions and limitations on eligibility, contribution limits and access to fund apply.*

Types of IRAs

The two main types are the traditional and Roth IRAs. Which type is right for you?

*Distributions of earnings and deductible contributions from your IRA are subject to income taxes and if made prior to age 59½ may be subject to an additional 10% federal tax penalty. Please consult your tax advisor for specific information.

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This material is intended for educational purposes only. Sembera Insurance Agency, through its insurance providers, their subsidiaries and brokers/dealers, offers property and casualty insurance, life insurance and registered securities. Certain products, such as variable annuities, variable universal life insurance, and mutual funds are available only through securities licensed representatives and sales material must be accompanied by a prospectus.

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