Retirement Planning

Individual Retirement Account

IRAs allow you to invest a portion or your yearly earnings, tax deferred. This means that you don’t have to pay taxes on the money earned in the account until you withdraw it.

Roth IRAs

The Roth IRA offers outstanding retirement and estate planning opportunities. They are similar to traditional IRAs, but the money you contribute is taxed differently. You aren’t allowed to deduct your contributions from your yearly income taxes but upon withdrawal you pay no taxes on the money.

Retirement Plans


A 401(k) is a retirement savings plan sponsored by employers. This plan allows you to contribute a portion of your income to an investment account. Most contributions are made before taxes and many employers match their employees’ contribution.


The 403(b) is a retirement plan offered to employees of educational institutions and certain non-profit organizations. Contributions and investment earnings in a 403(b) grow tax deferred until withdrawal (assumed to be retirement) at which time they are taxed as ordinary income.


A 457(b) plan is a non-qualified, tax deferred compensation plan offered by many tax-exempt institutions to their employees, especially by governments. This plan, like a 401(k) or a 403(b) plan, allows you to save for retirement.

Direct Rollover of 401(k)s, 403(b)s and 457s

In today’s job market, people are finding themselves changing jobs much more frequently than ever before. With job changes comes uncertainty regarding retirement plans. WealthSprings can help you make sound decisions regarding the handling of your 401(k)s, 403(b)s, and 457(b)s. There are a few different options from consolidation, withdrawing, or transferring to a new employer’s 401(k).

Investment advice offered through PCG Wealth Advisors, a registered investment advisor. PCG Wealth Advisors and Wealthsprings are separate entities from LPL Financial.