We all have busy lives filled with family and work responsibilities, and it’s easy to overlook some of the most effective ways to save and grow your money. You may have a pension and, yes, at the moment, there’s the Federal Government’s Social Security program. But if you rely on those alone for your retirement, it probably won’t be as enjoyable as it could be.

If you’re like most people, you have goals. Buying a house; taking memorable vacations; financing your kids’ college education; or maintaining your life style when you retire. Stop and ask yourself a simple question – have I done everything I can to maintain my current income when I retire?

If the answer is no, an IRA can help. Money invested in a retirement plan grows tax-deferred until you withdraw it. Delaying taxes usually allows your money to accumulate faster than in taxable investments that get taxed year after year. The more money you have working for you, the greater the potential for compounding your assets. That’s good for you and good for your retirement.

Any wage earner is eligible to invest in an IRA as well as any non-earning spouse. For some individuals, contributions to their IRA are tax deductible. Except for certain exceptions such as hardship, disability, and death, withdrawals before age 59 ½ may be subject to a 10% federal income tax penalty, and applicable taxes.

As an important part of your retirement program, an IRA may help you plan for a better future. Contact your MEA Financial Services representative to assist you in assessing your retirement finances and establishing your retirement needs.


MEA Financial Services offers all security products through Paradigm Equities, Inc., Member of FINRA and SIPC. Paradigm Equities, Inc. is the broker/dealer subsidiary of MEA Financial Services.

MEA Financial Services/Paradigm Equities, Inc. does not give tax or legal advice. The comments regarding the law and tax treatment simply reflect our understanding of current interpretations of such laws. Since laws are always subject to interpretation and possible changes, we recommend that you seek the counsel of an attorney, accountant or other qualified tax advisor regarding these matters as it applies to your particular situation.

Available Fund Families: For a list of the available mutual fund families offered through Paradigm Equities, Inc. and for more complete information including charges and expenses, and to request a free prospectus (read carefully prior to investing or sending money), please contact us at 1-800-292-1950 or click on our "Send Me Information!" link to complete our online request form.

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