Home Contact Us Site Map
Why Us Fixed Annuities IRA's Estate Planning Disability Focused Advisory
Long Term Care

How much life insurance do I need?

What is my potential estate tax liablitiy?

How much can I contribute to an IRA?

What are my long-term care insurance needs?

How much disability insurance do I need?

Search for competitive offers

Give Bob a call

"The purpose of life is to believe, hope, and to strive."
                                — Indira Ghandi                        ...Purpose

Robert McKeever
P.O. Box 1186
Smithtown, NY 11787
Tel: 631.863.2200
Toll Free: 800.561.1492
Fax: 631.863.2204
www. rmclu.com


Don’t rely on sources of retirement income over which you have no control.

Simply put, if your retirement income is insufficient, you must work longer or reduce your standard of living. When you retire and your earning power ceases, you will depend on 3 sources of income: social security; employer-provided plans and personal retirement savings. Personal retirement savings represents the only way you can control your future and is the only way to bridge a gap between your needs and your income.

Make an informed decision and meet your retirement needs.

Individual Retirement Accounts (IRA’s) offer a way to augment your income and can produce results superior to a savings plan whose growth is taxed. The key features of each include:
  • Traditional tax-deductible IRA. This allows you to use money that would otherwise be paid in taxes to establish a retirement fund that accumulates tax-deferred. Taxes are paid only when distributions are received.
  • Roth IRA. A second alternative (for those who qualify) is the Roth IRA. While contributions are not tax deductible, the retirement fund accumulates tax-deferred and distributions are received free of income tax.

Determine how much you can contribute to your IRA.

Many factors can affect your eligibility to contribute, such as current and future tax rates, when you will withdraw the money, and how you will use the money. This calculator compares features and eligibility requirements for the Non-deductible IRA, the Traditional IRA and the Roth IRA, and will help you determine whether you are eligible to contribute. Retirement IRA Calculator

Get the facts: Presentation

Worried about retirement? Call me at 1.800.561.1492 or email me at: bob@rmclu.com

Copyright © 2014, Robert McKeever, RMCLU All Rights Reserved.