• Maximum contribution for 2019 is $6,000, and $7,000 if you are 50 years or older.
• Contributions can be made for the previous year until April 15th of the following year.
• You must have earned income, or a spouse with earned income to contribute.
• Contributions do not lower your taxable income now, grow tax deferred, and come out federal tax free as long as certain guidelines are met.
• Your income affects how much you can contribute, but you may continue to contribute at any age.  No withdrawals are required.
• Non-qualified withdrawals prior to age 59 ½ may be taxable and penalized.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. We suggest that you discuss your specific situation with your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results.

Investing in stock includes numerous specific risks including: the fluctuation of dividend, loss of principal and potential illiquidity of the investment in a falling market.

Dollar cost averaging involves continuous investment in securities regardless of fluctuation in price levels of such securities. An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

All investing involves risk including loss of principal. No strategy assures success or protects against loss.