At MWRS, your Financial Professional is poised to act as your retirement point person by providing a comprehensive array of retirement services.

• To evaluate your retirement security, we can provide an analysis of your current savings and investments versus your retirement needs. We will then help you design and implement a customized investment plan, based on your individual needs, risk tolerance and time horizon.
• Your MWRS Financial Professional will explain your distribution options and discuss the advantages, disadvantages and possible tax consequences of those choices. Our goal is to educate our clients so they make confident decisions for their future.
• If you hold employer securities such as stocks, bonds, or debentures with the employer company, a parent company, or a subsidiary company in your retirement plan, you may benefit from a little-known concept: net unrealized appreciation (NUA). If you have enjoyed gains in your company holdings, we.ll work to show you how you might benefit from the special tax treatment available with NUA.
• Whatever your age, when leaving your job you may be in need of income. We will be glad to discuss the options open to you for tapping money from your retirement savings, including IRS Rule 72T, which allows those under age 59 to withdraw funds from the IRA without incurring a 10 percent premature distribution penalty. Internal Revenue Code Section 72(t) distributions are complex in nature and must be structured properly to avoid any IRS penalties. Please consult a tax advisor before implementing a Section 72(t) distribution.
• An IRA Rollover Sammons Securities Self-Directed IRA will allow you to choose from a full range of investment options that may include stocks, bonds, mutual funds, money market funds or government securities. These flexible accounts will help provide the control you'll need to adjust your investments selections according to changing economic conditions, market fluctuations or changes in your personal life.
• Those desiring tax-free income in retirement may want to explore the opportunities available with the Roth IRA. While your modified adjusted gross income must be $100,000 or less in the year you convert your Traditional RA to a Roth, there are other factors to consider - such as to pay income taxes on the conversion and the accumulation period.
• Additionally, your Financial Professional will work with you to pass your IRA legacy on to your beneficiaries for many years to come. This Stretch IRA planning may provide your beneficiary with an income stream over their lifetime, while spreading out any tax liability that they will face. Stretch IRAs are not in themselves investments and are only suitable for individuals who have no need for their IRA money.

After deciding on your retirement plan distribution option, the next step to a successful retirement will be designing an investment portfolio based on your retirement income needs, your attitude toward investment risk and your time horizon. Your MWRS Financial Professional will work with you to develop a comprehensive retirement investment strategy and will monitor and review your progress on an ongoing basis. At MWRS, we understand the significance of your retirement distribution decisions and look forward to working with you to build your future. Please call us today to schedule your appointment.

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This may be an excellent time to consider the benefits of an IRA rollover if you have retirement assets being held in an ex-employer's plan. You could enjoy benefits not available in most employer-sponsored plans with a self-directed IRA. These features include the following:

• A universe of investment options including stocks, bonds, mutual funds, managed accounts and more
• Asset allocation strategies
• One statement and more hands-on management and service
• Stretch beneficiary planning ideas