Edward Jones Advertorial featured monthly > edwardjones.com | Member SIPC WHICH IRA IS RIGHT FOR YOU? Two IRAs are available... The traditional and the Roth. Which is best for you? With a traditional IRA, you generally invest pretax dollars, and your earnings grow tax deferred. With a Roth IRA, your contributions aren't deductible, but you can typically withdraw your earnings tax free once you're 59% and you've had your account at least five years. Taxes and penalties apply to both types of IRA if you withdraw earnings before you're 59%. If you think you'll be in a higher tax bracket when you retire, you might want to consider a Roth IRA. Conversely, if you think you might eventually be in a lower tax bracket, you might lean toward a traditional IRA. With a traditional IRA, you'll eventually have to take withdrawals or face penalties. But you can keep your Roth IRA intact and even pass it on to your heirs. You may not be able to contribute to a Roth IRA if your income exceeds certain levels. Income limits don't apply to a traditional IRA if you and your spouse have no retirement plan available through an employer. Compare the two IRAs carefully-and make the choice that's right for you. David Bousquet Financial Advisor Office: 412-828-2437 Edward Jones 201 Allegheny Avenue Suite 2 Oakmont, PA 15139 Edward Jones Advertorial featured monthly > edwardjones.com | Member SIPC WHICH IRA IS RIGHT FOR YOU ? Two IRAs are available ... The traditional and the Roth . Which is best for you ? With a traditional IRA , you generally invest pretax dollars , and your earnings grow tax deferred . With a Roth IRA , your contributions aren't deductible , but you can typically withdraw your earnings tax free once you're 59 % and you've had your account at least five years . Taxes and penalties apply to both types of IRA if you withdraw earnings before you're 59 % . If you think you'll be in a higher tax bracket when you retire , you might want to consider a Roth IRA . Conversely , if you think you might eventually be in a lower tax bracket , you might lean toward a traditional IRA . With a traditional IRA , you'll eventually have to take withdrawals or face penalties . But you can keep your Roth IRA intact and even pass it on to your heirs . You may not be able to contribute to a Roth IRA if your income exceeds certain levels . Income limits don't apply to a traditional IRA if you and your spouse have no retirement plan available through an employer . Compare the two IRAs carefully - and make the choice that's right for you . David Bousquet Financial Advisor Office : 412-828-2437 Edward Jones 201 Allegheny Avenue Suite 2 Oakmont , PA 15139