Planning for Retirement

Set your course for a brighter future

Invest in an individual retirement account as part of your long-term financial plan.

Get started by contacting BB&T Investment Services - important (moves focus down)

Start saving with an IRA

Individual retirement accounts (IRAs) may provide a tax-advantaged way for you to save for retirement, and can be a good choice if you're self-employed.

Check out the IRAs offered by BB&T Investment Services, Inc., and choose one that's right for you.

Traditional IRA

Ideal if you want to lower your taxable income today

  • Contributions may be tax deductible
  • Earnings grow tax deferred
  • Withdrawals are taxed at your tax rate in retirement

Roth IRA

Ideal if you can save for retirement with after-tax income

  • Withdrawals of contributions are tax free1
  • Earnings are tax exempt
  • Contributions are not tax deductible

Rollover IRA

Ideal if you've changed jobs and want to invest your retirement plan funds without incurring tax penalties

  • Earnings continue to grow tax deferred
  • Contributions may be tax deductible
  • Withdrawals are taxed at your tax rate in retirement

Simplified Employee Pension Plan (SEP) IRA

Ideal if you're self-employed and want an easy, tax-advantaged way to save for your retirement

  • Contributions are tax deductible
  • Earnings grow tax deferred until you make withdrawals
  • Employers may contribute up to 25% of compensation up to $53,000

Savings Investment Match Plan (SIMPLE) IRA

Ideal if you're a business owner and want a tax-advantaged way for you and your employees to save for retirement

  • Employer contributions are tax deductible
  • Employee contributions are pre-tax
  • Employer cannot offer any other employer-sponsored retirement plan

Ready to get started?

Phone

Arrange a meeting

800-642-8545

Online

Leave us your contact info and we'll call you back

Mail

Send certificates and correspondence to:

BB&T Investment Services, Inc.
200 S. College St., 11th Floor
Charlotte, NC 28202

Still exploring?

Find out if you're on track to meet your retirement goals with this handy calculator.

Make sure you're avoiding these pitfalls to create better financial habits.

Learn how much to invest each month to reach $1 million.

Managing your BB&T-administered retirement plan?

1A distribution from a Roth IRA is tax and penalty free if the 5-year aging requirement has been satisfied and one of the following conditions is met: age 59½, death, disability, qualified first time home purchase.

Only deposit products are FDIC insured.

BB&T Investment Services, Inc., is a Member FINRA, Member SIPC. Learn more at www.finra.org (opens in a new tab) and www.sipc.org (opens in a new tab)

FINRA's BrokerCheck® is a free tool designed to help investors research the professional backgrounds of current and former FINRA-registered brokerage firms and brokers. Investors may access BrokerCheck by: 1. Visiting the BrokerCheck website at brokercheck.finra.org (opens in a new tab), or 2. Calling FINRA's BrokerCheck toll-free hotline at 800-289-9999 Monday through Friday from 8 am to 8 pm ET.

The information provided should not be considered as tax or legal advice. Please consult with your tax advisor and/or attorney regarding your individual circumstances.

Investment products offered through BB&T Investment Services, Inc. are:

  • Not a deposit
  • Not FDIC-insured
  • Not guaranteed by a bank
  • Not insured by any federal government agency
  • May go down in value

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