Compare IRAs

Have peace of mind for retirement planning and see if a Traditional or Roth IRA is right for you

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Save for your retirement with tax-deferred earnings. Your contributions may be tax-deductible (with certain limitations) but qualified withdrawals in retirement will be taxed.

Save for your retirement with tax-deferred earnings. Your contributions are not tax-deductable but qualified withdrawals in retirement may be tax-free.3
You can contribute if you (or your spouse, if filing jointly) have taxable compensation.

You can contribute at any age if you (or your spouse, if filing jointly) have taxable compensation and your modified adjusted gross income is below certain amounts.
Annual Contribution Limits

Distribution Requirements
You must start taking distributions by April 1 following the year in which you turn 72 and by December 31 of later years.

Not required if you are the original owner.
Tax Deductions for Contributions
Fully deductible regardless of AGI1 if you and your spouse aren't in an Employer Retirement Plan (ERP).2

Contributions are made after tax.

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Common Questions:

  1. AGI is an abbreviation for "Adjusted Gross Income."
  2. If you are in an ERP program, the allowed deduction is reduced when AGI exceeds certain limits set by IRS.
  3. The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change.

Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investments are offered. Advisory services are only offered by Investment Adviser Representatives. Registered address and phone number: American Savings Investment Services, 300 North Beretania Street Honolulu, HI 96817. (808) 735-1717.

Not FDIC Insured
Not Bank Guaranteed
May Lose Value
Not Insured by any Federal Government Agency
Not a Bank Deposit

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This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at

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