Individual Retirement Accounts

Traditional IRA: Your contributions might be tax-deductible, and your earnings grow tax-deferred until you withdraw them in retirement. This option can lower your taxable income now while you save for the future.

Roth IRA: Contributions grow tax-free, and qualified withdrawals during retirement are also tax-free. While you make contributions with after-tax dollars, the long-term benefits can be significant, especially if you expect to be in a higher tax bracket later on.

Rollover IRA: If you’ve changed jobs or retired and have a 401(k) or similar retirement plan, a Rollover IRA helps you transfer those funds into an IRA without triggering taxes or penalties—giving you more control and investment flexibility.

• Tax Benefits: Whether tax-deferred or tax-free, IRAs offer significant savings incentives.
• Flexible Contribution Options: Contribute at your own pace, up to the IRS annual limit.
• Customizable Investments: Choose from a broad range of investments, including stocks, bonds, mutual funds, and more.
• Retirement Security: Start preparing now so you can enjoy peace of mind later.

If you don’t have access to an employer-sponsored retirement plan or want to supplement one, an IRA can be a great tool for your future. Whether you’re self-employed, between jobs, or focused on building wealth independently, IRAs are designed for long-term savings success.

You don’t have to navigate retirement planning alone. At Sargent Insurance Agency, we treat you like family by listening closely, answering your questions, and helping you take confident steps toward your future. We are proud to serve Arkansas families with honest and practical retirement solutions that prioritize your best interests.