January 21, 2025
Now Is the Time to Make the Most of These IRA Sales Opportunities
Contributions to IRA and Roth IRAs for tax year 2024 can be made up to April 15, 2025.
If your clients worry that their retirement savings are inadequate, they are not alone. In addition to the absence of employer-sponsored retirement plans, there are any number of factors contributing to a lack of savings after retirement.
The good news is individual retirement accounts (IRAs) may ease the weight of their concerns and can serve a variety of needs for individuals and small businesses. Some of the opportunities they provide are
IRAs
- Qualified plan rollovers into IRAs to continue tax deferral
- Tax deductibility of annual contributions
Roth IRAs
- Tax-free income at retirement for policies with the Guaranteed Lifetime Income Rider*
- No Required Minimum Distributions (RMDs)
- Tax-free death benefit for beneficiaries*
Additionally
- Low initial minimum of $100 a month to build savings
- Small business retirement plan options, SEP and SIMPLE IRA programs
*Assumes Roth Guidelines are met for tax-free distribution of interest earned
Contributions to traditional and Roth IRAs for tax year 2024 can be made up to April 15, 2025.
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