Retirement Planning

It's always the right time to start planning for retirement – whether you've just joined the working world or have hit your stride (or have been striding for years) in your career.

Josh, an Affinity Plus member, on an orange background.
Josh, Affinity Plus Member

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Retirement Products

Traditional IRA

Funds grow tax-deferred, but are taxed at your current ordinary income when withdrawn after age 59½. Contribution eligibility not tied to individual or household income.

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  • Contributions may be tax deductible
  • Accounts are tax-deferred and penalty-free if withdrawn after age 59½
  • Limits on annual contributions
  • Must have taxable income to be eligible to contribute
  • Required Minimum Distributions begin at age 73
  • Withdrawals after age 59½ taxed as ordinary income
  • Ability to convert portions to a ROTH IRA on an annual basis

Roth IRA

Funds grow tax-deferred and withdrawals after the age 59½ are tax-free. Contribution eligibility is based on individual and household income limits.

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  • Contribution eligibility based on individual and household income level
  • Funds are tax deferred while invested, and tax free if withdrawn after age 59½ 
  • No required minimum distributions (RMDs)
  • The account balance can pass tax free to beneficiaries at death
  • Limits on annual contributions
  • Must have taxable income to be eligible to contribute

Getting Started is Easy

Ready to get started?

Our Financial Professionals can help you choose the right products for your goals.

Request an appointment.

Connect with one of our experts to plan for your financial future.

Already have an account?

Access the LPL Account View site.

Investment Center Disclosures 

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Affinity Plus Federal Credit Union and Affinity Plus Investment Center are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Affinity Plus Investment Center and may also be employees of Affinity Plus Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Affinity Plus Federal Credit Union or Affinity Plus Investment Center. Securities and insurance offered through LPL or its affiliates are:

Not insured by NCUA or Any Other Government Agency

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligations

May Lose Value

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.

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