Planning for retirement is the most important step you can take to secure your financial future. Let F&M help you establish the appropriate Traditional, Roth or SEP to secure your golden years, or an Education IRA for your children. Contributions may lower your current tax bill, and you may be able to earn a higher interest rate than with a non-retirement account (consult a qualified financial advisor for tax advice).
This unique TIERED IRA lets you start small and work your way up to significant retirement savings. With this flexible account, you make deposits as often as you choose!
Health Savings Accounts (HSAs) offer a new way to pay for health care. To qualify, you must be covered by a high deductible health plan (HDHP). HSAs let you save for current and future health care expenses on a tax-free basis. You control the money in your HSA and make decisions on how and when to spend the money.
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