An Individual Retirement Account (IRA) can be an excellent way to save for or get income during retirement. It offers tax advantages that other savings options don't.

With an IRA, you can choose from a variety of investments, such as mutual funds, stocks, bonds, annuities and certificates of deposit (CDs).

We can help you understand your options. Whether you're changing jobs, participating in more than one retirement plan, or getting ready to retire and want the security of guaranteed income, we'll find the IRA that's right for you.

• Traditional IRA Invest tax-deferred. You can deduct contributions on your current year's tax return. Plus, you don't have to pay taxes on earnings until they are withdrawn.
• Roth IRA Make tax-free withdrawals on earnings when meeting certain requirements. (Contributions are made on an after-tax basis.)