Retirement Accounts
Traditional, Roth, and Coverdell accounts, with people on staff who can talk you through which one fits. Tax-advantaged saving, explained plainly.
Three Ways to Save Tax-Advantaged
What You Should Know
Transfers and Rollovers
Waypoint can assist with transfers, rollovers, conversions, and inherited IRAs.
People to Ask
Waypoint has staff who can answer IRA questions and point you in the right direction.
No Figures on This Page
Contribution limits and income thresholds change annually. We point to current IRS guidance instead.
What You Will Need
Waypoint membership
Earned income, for IRA contributions
Your own tax advisor, for anything about your tax position
IRA certificates are offered in addition to IRA savings
Common Questions
It depends on whether a deduction now or tax-free withdrawals later is worth more to you, which depends on your tax position now versus in retirement. Waypoint staff can talk it through, and your tax advisor should confirm it.
The IRS sets annual limits and they change each year. Check current IRS guidance or ask your tax advisor.
Yes. Waypoint can assist with transfers, rollovers, conversions, and inherited IRAs.
Not sure which fits? Ask a Waypoint Credit Union representative
A Waypoint Credit Union representative will compare the options against what you are actually trying to do, including the ones we do not advertise heavily. Book a time at any Waypoint branch.
Important Disclosures
Federally insured by NCUA.
Waypoint does not provide tax advice. Contribution limits, income thresholds, deduction eligibility and required minimum distribution ages are set by the IRS and change from year to year. See current IRS guidance and consult your own tax advisor about your situation.