Do you know how much you will need in retirement? Today there are many choices and increased flexibility when it comes to Individual Retirement Accounts. Rely on our expertise to put you on the right path towards your retirement dreams. We work with you to help build the foundation to support a comfortable retirement.

Since 1904, life expectancy in the United States has been steadily increasing. Those who are 65 years old today are expected to live on average an additional 20 years, and we all want those years to be as financially comfortable and stable as possible. Personal investments should make up part of a sound financial plan, an Individual Retirement Account (IRA) is a great way to help plan for your future. Regardless of what type of IRA, as long as the money stays in the IRA, earnings and capital gains grow tax-free*.

*Requirements must be met.

Traditional IRAs
Traditional IRAs have been popular for years, and for good reason. Clients can contribute up to a maximum contribution per taxpayer per year.
More Information

On December 24, 2008, the Worker, Retiree, and Employer Recovery Act of 2008 was signed into law. The Act eliminates Required Miinimum Distributions ("RMD") for 2009. As a result, if you turned 70½ before 2008 or are taking RMDs as a beneficiary, you will not be required to take an RMD for 2009. If you turned 70½ in 2008, you will still be required to take your 2008 RMD by April 1, 2009. However, you will not be required to take an RMD for the 2009 year. If you turn 70½ in 2009, you will not be required to take a 2009 RMD by April 1, 2010. This waiver provision applies to RMDs for tax year 2009 only. All IRA holders will be required to resume taking RMDs in 2010. If you have any questions, please consult your tax advisor.

If you have your RMD automatically distributed from your Fremont Bank IRA, the scheduled distribution(s) will take place. If you do not want your automatically scheduled distribution to occur, you must notify us. You may contact your preferred branch or our Call Center at 800-359-BANK (2265).

Talk to our Investment Officers to see what strategies you can benefit from.

For more information, please contact us at:

Email: fbfin.serv@uvestmail.com
Call: (800) 400-7067

Securities are offered by, and Investment Consultants are registered with UVEST Financial Services, Member FINRA www.finra.org /SIPC www.sipc.org. UVEST and FB Financial Services are independent entities.

Not FDIC Insured Not Bank Guaranteed May Lose Value

Not Guaranteed by any Government Agency Not a Bank Deposit