Open a GWP IRA


Guided Wealth Portfolios          

April 15, 2019 is your
IRA deadline.
Once Tax Day has come and gone, so has your opportunity to make your
2019 Individual Retirement Contribution.

Every year you have the opportunity to invest in your IRA. Don't miss out this year!


Invest toward your future

See potential tax benefits

Build beyond your 401K

An IRA remains an effective
way to save for retirement.
Every year counts, the earlier
you start making your
contributions the more
opportunity you have for your
earnings to compound
In both Traditional and Roth IRAs
the investments in your IRA grow
tax-deferred, meaning you owe
nothing on the gains, while the
money remains in the IRA.
IRAs allow individuals to
contribuite up to $5,500 per year,
that's on top of what you can
invest annually in your 401(k) or
other employer-sponsored
retirement plans. Note that tax
contributions are only tax
deductible whithin certain
income limits.




Click Here: Get Your Personalized Proposal to See if Guided Wealth Portfolios is Right for You


What is an IRA?

An IRA is a tax-advantaged investment vehicle that is designed to help you save towards retirement.
There are two main types of IRAs: The traditional IRA and the Roth IRA. The primary difference between the two relates to the tax breaks these accounts offer.

Traditional IRA

Roth IRA

A traditional IRA is a tax-deferred retirement
investment account. You pay taxes on your
money only when you make withdrawals in
retirement. Deferring taxes means all of your
dividends, interest payments and capital
gains can compound each year without
being hindered by taxes.
A Roth IRA is a retirement investment account
that allows your money to grow tax deferred.
You fund a Roth with after-tax dollars, meaning
you've already paid taxes on the money you
put into it. In return for no up-front tax break,
your money grows tax-deferred, and when
qualified withdrawals are made at or near
retirement, you pay no taxes.


Open your IRA with GWP

With GWP, you work with your adisor, who 
understands yourneeds, and the potential 
of an advanced digital portfolio.

      Tom Hickman


Personalized investing advice from your dedicated advisor
With GWP, you have a licensed advisor who understands your
financial situation and goals, and is there when you need him.
A customized digital portfolio
A sophisticated investment approach that ensures your portfolio is     
monitored regularly, automatically adjusted and optimized for tax    
savings to help keep you on track towards your goals.
Confident, connected investing
Benefit from your financial advisor's guidance combined with the
convenience of anytime account access and proactive
communications that keep you up-to-date.

Click Here: Get Started: View Your Personalized Proposal to See if Guided Walth Portfolios is Right for You


Traditional IRAs are funded with tax deductible contributions in which any earnings are tax deferred until withdrawn, usually after retirement age.  Unless certain criteria are met, IRS penalties and income taxes may apply on any withdrawals taken from Traditional IRAs prior to age 59 1/2.  RMDs (required minimum distributions) must generally be taken by the account holder within the year after turning 70 ½. 

The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change

Guided Wealth Portfolios (GWP) is a centrally managed, algorithm-based, investment program sponsored by LPL Financial LLC (LPL). GWP uses proprietary, automated, computer algorithms of FutureAdvisor to generate investment recommendations based upon model portfolios constructed by LPL. FutureAdvisor and LPL are nonaffiliated entities. If you are receiving advisory services in GWP from a separately registered investment advisor firm other than LPL or FutureAdvisor, LPL and FutureAdvisor are not affiliates of such advisor. Both LPL and FutureAdvisor are investment advisors registered with the U.S. Securities and Exchange Commission, and LPL is also a Member FINRA/SIPC.

All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

References to tax strategies that the GWP service investment management considers in managing accounts should not be confused with tax advice. LPL Financial does not provide tax advice. Clients should consult with their personal tax advisors regarding the tax consequences of investing.