IRAs: A Powerful Solution in a Time of Retirement Uncertainty

Nearly half of Americans worry they won’t have enough to retire — making tailored IRA strategies more essential than ever.

Retirement readiness is a growing concern for Americans — and your clients are feeling the pressure. Recent data reveals that nearly half of individuals in their peak earning years (ages 45–54) worry daily about whether they’ll ever be able to retire comfortably ¹, with confidence falling sharply for those in their 50s as well.

But here’s the opportunity for financial professionals: with tailored solutions like IRAs and other retirement strategies, you can help clients bridge the gap between fear and financial confidence — while growing your book of business.

Traditional 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 2025 can be made up to April 15, 2026.

¹ Nearly 50% of Americans in Peak Earning Years Worry They Won’t Be Able to Retire Investopedia, Feb 2026

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