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Investing may be complicated. That’s what we’re here for.

Planning for the road ahead

We take the time to explore your options and find the right one for you. Two traditional options are Certificates of Deposits (CDs) and Individual Retirement Accounts (IRAs). Whatever investment plan you choose, one of our dedicated team members will be there for you from the very beginning. These accounts are fully insured by the FDIC and the Share Insurance Fund.

Certificates of Deposits

CDs generally have a higher interest rate than other deposit accounts. You'll earn guaranteed returns over a specific period of time—no matter what happens in the market. We offer competitive rates and flexible terms from 91 days to 5 years. 

Whichever plan you choose, please consult with your tax advisor for your specific situation.  Restrictions may apply.

IRAs

An IRA is an ideal way to save for retirement, all while taking advantage of tax benefits and getting a better return on your investment. Choose either the Traditional Tax-Deferred IRA or Tax-Free ROTH IRA, both come with a competitive rate and are fully insured.

Traditional IRA

  • Annual contributions may be tax deductible
  • Interest earned is tax deferred until withdrawn
  • Contributions from income earned may be made until age 70 1/2
  • Distributions must begin by age 70 ½

ROTH IRA

  • Contributions can be made, even if you are currently enrolled in a  qualified employee pension plan and may be made at any age
  • Contributions will always grow tax-free
  • Distributions are tax and penalty free once you've reached  age 59 1/2 and have been in the plan for at least 5 years
  • There are no required minimum distributions at age 70 1/2
  • A traditional IRA may be converted to a ROTH

Whichever plan you choose, please consult with your tax advisor for your specific situation. Other restrictions may apply.


Have any questions about our products and services?

Click below to contact us or call us at 617-387-1110.

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