IRAs and ROTH IRAs -        Safe, Secure, Steady Retirement Investment Growth -        Guaranteed Monthly Income Payment Option 3.00% current variable rate -
For more detailed information on IRAs and Roth IRAs,     Click here	Glacial Lake, Mt. Turkul, Carpathian mountains, Ukraine
Professionals or Small Business?                                      Click for SEP and SIMPLE IRA Plans

• Tax deferred growth (See below chart for your effective growth rate)
• Minimum initial deposit of only Three Hundred ($300) Dollars
• Additional deposit minimum of only Fifty ($50) Dollars*
• Interest rates will always compare favorably with CDs
• 3.0% guaranteed minimum, regardless of how low bank or bond rates go
• No term limits and no more CD term renewal or poor interest rate worries
• No expense or administrative cost loads or charges
• Freedom to select the time and method of withdrawal**

TRADITIONAL and ROTH IRAs ARE THE WAY:

-       To build a safe, financially secure retirement

-       To enjoy the benefits of tax deferral

-       To provide for your family after your death, even if you do not make any withdrawals*

-       To leave a significant estate for your loved ones

-       To save for the family-s educational needs

-       To save for a qualified first-time home purchase

-       To leave a legacy for your favorite charity

-       To establish a safe guaranteed vehicle for your  401(k) rollovers or qualified pension plan rollovers

-       To set a steady retirement income for your lifetime

ROTH IRA-s WILL ALSO GIVE THE BENEFITS OF:

-       Completely tax free income growth and withdrawals

-       Allowed contributions beyond age 70.5

-       No required withdrawals

 IRA-s WILL ALSO GIVE THE BENEFITS OF:

-       Tax deductions in the full amount of any deposits

-       Allowed withdrawals for long-term disability or catastrophic medical conditions for which there is no prognosis of recovery

*   Deposits into IRAs are limited to $4,000, or $5,000 for persons over 50; there may be other earned income and participation in qualified plan limitations - consul your tax advisor

**Traditional IRAs force partial withdrawals at age 70.5

 INTERESTED IN APPLYING FOR AN IRA, ROTH IRA, OR ANNUITY?

Click Here

CHOOSE SUPPLEMENTAL ANNUITIES:

• Set aside additional retirement funds to supplement your IRAs and pensions: open an annuity account
• VARIABLE INTEREST RATE: 3.00% tax-deferred
• 3% minimum interest guaranteed

EFFECTIVE GROWTH RATES OF PROVIDENCE ANNUITIES (3.00%)

The tax-deferred or tax-free features of a Providence IRA or Annuity generate a higher effective growth rate than 3.00%, since the growth is not diminished by tax payments)

Federal Tax Bracket             Providence Rate           Effective Growth Rate
            35%                                         3.00%                          4.61%
            33%                                         3.00%                          4.47 %
            28%                                         3.00%                          4.16%
            25%                                         3.00%                          4.00%
            15%                                         3.00%                          3.52%
            10%                                         3.00%                          3.33%

How do I learn more about Annuities and IRAs ?

         Click on the appropriate -Quick Links- to the left or above. Also, review the articles listed below by clicking on the titles:

        PROFESSIONALS AND SMALL BUSINESS OWNERS' SEP IRA PENSION PLANS

        SMALL BUSINESSES AND PROFESSIONALS SIMPLE IRA PENSION PLANS

        RETIREMENT PLANNING: AVOID -SUPERANNUATION-

    THE LEGACY (STRETCH) IRA ANNUITY (-S-ANNUITY-): DEFER INCOME TAXES AND  CONFER BENEFITS OVER THE COURSE OF SEVERAL FAMILY GENERATIONS

   IRA and ROTH IRA