IRAs
IRAs - Individual Retirement Account
Many factors can affect your eligibility and annual contribution amounts to an Individual Retirement Account (IRA) - including your marital status, your current earned income level, and whether you participate in a retirement plan at work.
Take advantage of tax benefits available with an IRA. You can add money on a regular basis, with many IRA options available.
Interested In Opening An IRA?

Zachary Holly CFP® CRPC®
*Conferred By College For Financial Planning
Centralized Wealth Advisor
(602) 467- 4017
ZHolly@oneazcu.com
Zach has worked as a financial advisor for more than 7 years and focuses on retirement planning for credit union members at all life stages. He takes time to get to know his clients and he helps them address their financial goals.
"Without a road map, one can feel lost. I am here to make it easier and help you down the path towards your retirement goals."
Learn More: IRA Quick Facts
Account Descriptions
Eligibility To Contribute
Maximum Annual Contribution
Tax-Deductible Contributions
Taxation Of Earnings and Withdrawals
Roth IRA
Contributions (all are made after-tax) are always income tax-free. Earnings may be income tax-free if the account is held for 5 years and are withdrawn for a qualified reason. Withdrawal of earnings for nonqualified reasons may be taxed as ordinary income and subject to an early withdrawal penalty.
Withdrawal Penalties
Required Withdrawals