IRAs and retirement plans
- Ameriprise Financial offers a variety of retirement plan options including: IRAs, business plans such as 401(k), SEP and SIMPLE IRAs, as well as 403(b) plans for nonprofit organizations.
- Different plans have a variety of features, benefits and tax advantages to help you save for your retirement.
- Your Ameriprise financial advisor may discuss a combination of two or more plans to match your retirement goals.
No matter what your situation, an Ameriprise financial advisor can help provide you with the information you need so you can select the best retirement plan options for you.
Opening an IRA or rolling over an old 401(k) or 403(b) plan to an IRA?
A financial advisor can help provide you with the information you need to decide if a traditional or Roth IRA best suits your financial goals.
If you are changing jobs or retiring, it may make sense to consider a rollover of funds from your employer-based retirement plan. An Ameriprise advisor can help you understand the benefits and risks of rollovers.
Could you rollover assets to an IRA while still employed?
In some retirement plans, you may be able to rollover assets from your workplace 401(k) into a personal IRA while you’re still employed. Ask your advisor to help you explore the pros and cons of an in-service IRA rollover strategy before you make a decision.
IRA contribution limits and eligibility
A financial advisor can keep you updated on IRA contribution limits, eligibility and tax deductibility. These may change year-to-year and vary based on income level and tax status.
Retirement plans for self-employed individuals and businesses
A range of retirement plans are available to address the retirement needs of you, your business and your employees.
Plans can offer an array of investment options: mutual funds, self-directed brokerage accounts, annuities, certificates or professionally managed accounts; investments vary by plan.
Retirement plans for employers of nonprofit organizations
Nonprofit organizations seeking retirement savings plans can select from the many available 403(b) plan investment options from Ameriprise Financial.
Or, provide us with some information and our Ameriprise Advisor Center will follow up with you.
At Ameriprise, the financial advice we give each of our clients is personalized, based on your goals and no one else's.
If you know someone who could benefit from a conversation, please refer me.
Background and qualification information is available at FINRA's BrokerCheck website.