Did you make any New Years resolutions? Maybe you would like to retire this year or maybe you'd like to spend your winters somewhere warm. It may be something as simple as starting a Roth IRA or finding a manager who will manage your money for better after tax returns. Or maybe it's finding out how much income you can expect to receive from your retirement savings. We can help with those things and there is no obligation to do any business with us. Let us know if you have any questions.

A Roth IRA offers tax free withdrawals on taxable contributions. To qualify for the tax-free and penalty-free withdrawal of earnings, a Roth IRA must be in place for at least five tax years, and the distribution must take place after age 59½ or due to death, disability, or a first time home purchase (up to a $10,000 lifetime maximum). Depending on state law, Roth IRA distributions may be subject to state taxes. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.