Studies indicate that tax-advantaged savings in an IRA can make a big difference in providing a comfortable retirement. The tax-deferred accumulation of earnings on all IRA contributions, even when they're not deductible, is the IRA advantage.

Maximize your IRA's accumulation
Our Self-Directed IRA can help you maximize the accumulation potential of your IRA. When selecting your portfolio, the professional assistance of a Financial Advisor can help tailor your investment strategy to your individual needs. Maximizing your potential for tax-deferred return, without undue risk, is your shared goal. This personalized service can make an important difference in your retirement.

Tailor Your IRA
Once your Financial Advisor evaluates your investment objectives and your time horizon, you can begin the process of putting together a tailor-made retirement plan. With the Self-Directed IRA, you can invest in practically any type of product, matching your financial objectives with appropriate investment alternatives. A self-directed IRA also allows you flexibility to adjust or modify investment selections according to changes in economic conditions, market fluctuations or your individual situation.

Your investment selections can range from conservative to aggressive. For example, you may choose an investment that offers safety of principal, such as money-market funds, government securities and certificates of deposit. Or, if higher yields are your goal, you may select investments with slightly higher risk to principal, such as corporate bonds, bond mutual funds, government unit investment trusts, or preferred stocks. If you're looking for appreciation in long-term value and inflation protection, and can accept the risks of market fluctuation, common stocks, equity mutual funds, or convertible securities may be your investments of choice.

The ultimate value of your IRA at retirement depends on developing an effective IRA investment strategy tailored to your individual needs, as well as your discipline in making regular, annual contributions. To devise this strategy, meet with a Financial Advisor. With their professional assistance and the Self-Directed IRA, you can develop a tailor-made investment plan to help you meet your retirement goals.

Emily S Hazlett is Vice-President:Investments at ENB Insurance Agency, Inc. a wholly owned subsidiary of Evans National Bank.