It's never too soon to start planning for your retirement. A well designed retirement plan is key to your future financial security. Be sure to consider the many investment alternatives.

Individual Retirement Accounts* (IRAs) allow you to invest for the future. What's more, you could qualify for a tax contribution. They can be opened and funded without employer involvement; plus, they offer a variety of investment options and special tax advantages.

• Traditional IRA* - Your contributions may be partially or fully tax deductible, and your earnings are not subject to federal income tax until they are withdrawn. Funds from a Traditional IRA can be withdrawn penalty free for a qualified first home purchase, certain higher education expenses, qualifying medical expenses and more.
• Roth IRA* - Your after-tax contributions are not tax deductible, but by meeting certain requirements, you can withdraw your money completely tax free. A Roth IRA, unlike a Traditional IRA, has no maximum age limit for making contributions and no mandatory age when you must begin taking withdrawals.
• 401(k) Plan* - This is a tax-deferred investment plan offered through employers. Under this type of plan, employees invest a percentage of their own pretax income to be used for retirement. The earnings grow tax deferred until they are withdrawn.

*Withdrawals prior to age 59 1/2 may be subject to penalties.