Place your retirement plans in good hands — your own. We can help you establish a sensible retirement savings that can even earn tax deductions on current returns.
Ocean Communities offers several IRA options, and we're ready to help you select the most appropriate for you. Choose from Traditional or Roth, or our Coverdell ESA for those pursuing higher education.
To open an account, please give us a call at 800-418-1486 to schedule an appointment.
*Consult a tax advisor.
**Certain exceptions apply.
There are advantages to both Traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A Traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.
*Subject to some minimal conditions. Consult a tax advisor.
**Certain exceptions apply, such as healthcare, purchasing first home, etc.
***Consult a tax advisor.
Create an easier transition into college for yourself and your student by setting up a savings account early. A Coverdell Education Savings Account (ESA) provides a tax-free safe place to grow competitive dividends and also financial confidence for a new stage in life.
*Qualified expenses include tuition and fees, books, supplies, board, etc.
**Consult your tax advisor to determine your contribution limit.
***Those earnings are subject to income tax and a 10% penalty.