Great advice, especially when it comes to retirement. A retirement plan and determination will take you where you want to go--traveling, golfing, or relaxing by a lake.

IRA Options:
Whatever you have in mind for your golden years, an Ashland Credit Union individual retirement account (IRA) is a safe harbor for your retirement funds.

• IRA Savings Accounts - Just starting out? Build your IRA savings with regular deposits out of your paycheck.
• IRA Share Certificates - As your balance grows, move the funds into long term savings to earn a better return. Terms from 1 to 5 years available.
• Traditional and Roth IRA types are both available.

Already have an IRA elsewhere? No Problem! IRA rules permit you to transfer, tax-free, your IRA assets to different financial institutions or brokers. And, if you leave an employer, you may be able to move accumulated pension benefits into your IRA. If you're switching jobs, you also can use an IRA as a holding account for moving funds to your new employer's plan. Because you don't have to keep your IRA in the same account forever, it pays to shop around, and we are confident that we can help you meet your retirement goals.

What type of IRA should I choose? Each person's unique situation will dictate what type of IRA is best suited for their needs. We always encourage people to consult their tax adviser for the most complete and accurate picture, but we can provide some facts that can help you make the decision and our IRA specialists are always available to discuss your options.

When can I start making withdrawals? Withdrawals can be made at any age, but it's important to know some key times in your life that will affect how you withdraw funds from your IRA.

How do I get started? When you're ready for a change, contact ACU about rolling over established IRA funds, adding funds to, or putting new money into an IRA. We have attractive savings rates and offer a safe place for your retirement funds. Our IRA experts will help guide you on the path to your dream retirement!