Types of Accounts

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Retirement
Accounts

IRA Accounts

Allows individuals to save pre-tax income for retirement up to a specified amount each year. An IRA account allows for tax free growth on a tax deferred basis. At 59 ½ individuals may receive distributions penalty free but subject to tax.

ROTH IRA Accounts

Allows individuals to save for retirement by setting aside after-tax income up to a specified amount each year. Both earnings on the account and withdrawals after age 59½ are tax-free.

IRA & 403(b) Rollover

A transfer of funds from a retirement account into a Traditional IRA or a Roth IRA. This can occur either through a direct transfer or by a check, which the custodian of the distributing account writes to the account holder who then deposits it into another IRA account within a specified number of days.

SEP IRA Account

The SEP is an IRA based plan to which employers may make tax deductible contributions on behalf of eligible employees, including the business owner.

Non-Retirement
Accounts

Individual Accounts

Investment accounts that are established for an individual investors.

Joint Accounts

Investment accounts that are established for investors with joint ownership.

Trust Accounts

Investment accounts established for individuals and families that have their assets within a Trust.

The Benefits of Professional Account Management

There are countless reasons to have an experienced team like Exceptional Portfolio manage your funds. As with any field specialist, financial advisors are particularly good at assessing risk and reward when it comes to selecting individual investments to build your portfolio. Our purpose is make sure you succeed financially, without having to spend countless hours attempting to analyze all the investment possibilities on your own..