Guided Wealth Portfolios IRA Campaign

April 15, 2019 is 
your IRA deadline.

Once Tax Day has come and gone, 
so has your opportunity to make 
your 2018 IRA contribution.

Every year you have the opportunity to invest in your IRA. Don’t miss out this year.

Get Started

Invest toward your future

An IRA remains one of the most effective ways to save for retirement. Every year counts, the earlier you start making your contributions the better.

See potential tax benefits

In both traditional and Roth IRAs the investments in your IRA grow tax-deferred, meaning you owe nothing on the gains so long as the money remains in the IRA.

Build beyond your 401(k)

IRAs allow individuals to contribute up to $5,500 per year; that’s on top of what you can invest annually in your 401(k) or other employer-sponsored retirement plans.

What is an IRA?

An IRA is a tax-advantaged investment vehicle that is designed to help you save towards retirement. There are two main types of IRAs: The traditional IRA and the Roth IRA. The primary difference between the two relates to the tax breaks these accounts offer.

Traditional IRA

A traditional IRA is a tax-deferred retirement savings account. You pay taxes on your money only when you make withdrawals in retirement. Deferring taxes means all of your dividends, interest payments and capital gains can compound each year without being hindered by taxes.

Roth IRA

A Roth IRA is a retirement savings account that allows your money to grow tax-free. You fund a Roth with after-tax dollars, meaning you've already paid taxes on the money you put into it. In return for no up-front tax break, your money grows and grows tax free, and when you withdraw at retirement, you pay no taxes.

Open your IRA with GWP.

With GWP, you work with your advisor, who understands your needs, and the potential of an advanced digital portfolio.

Personalized investing advice from your dedicated advisor.
With GWP, you have a licensed advisor who understands your financial situation and goals, and is there when you need him or her.

A customized digital portfolio
A sophisticated investment approach that ensures your portfolio is monitored regularly, automatically adjusted and optimized for tax savings to help keep you on track towards your goals.

Confident, connected investing
Benefit from your financial advisor’s guidance combined with the convenience of anytime account access and proactive communications that keep you up-to-date.

Schedule a call for personalized IRA advice and step-by-step guidance on opening your IRA today.

Contact Us

Traditional IRAs are funded with tax deductible contributions in which any earnings are tax deferred until withdrawn, usually after retirement age.Unless certain criteria are met, IRS penalties and income taxes may apply on any withdrawals taken from Traditional IRAs prior to age 59 1/2. RMDs(required minimum distributions) must generally be taken by the account holder within the year after turning 70 ½.

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 59 ½ 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.

Guided Wealth Portfolios (GWP) is a centrally managed, algorithm-based, investment program sponsored by LPL Financial LLC (LPL). GWP uses proprietary, automated, computer algorithms of FutureAdvisor to generate investment recommendations based upon model portfolios constructed by LPL. FutureAdvisor and LPL are nonaffiliated entities. If you are receiving advisory services in GWP from a separately registered investment advisor firm other than LPL or FutureAdvisor, LPL and FutureAdvisor are not affiliates of such advisor. Both LPL and FutureAdvisor are investment advisors registered with the U.S. Securities and Exchange Commission, and LPL is also a Member FINRA/SIPC.

All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

References to tax strategies that the GWP service investment management considers in managing accounts should not be confused with tax advice. LPL Financial does not provide tax advice. Clients should consult with their personal tax advisors regarding the tax consequences of investing.