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It sounds like you might be interested in a Roth IRA

You can contribute up to $5,500 for this year to a Roth IRA with money you’ve already paid taxes on.1 You'll pay no taxes on qualified withdrawals in the future.2
 
Features:
  • Contributions are not deductible
  • Tax-free growth potential
  • Tax-free withdrawals
  • Withdraw contributions at any time
1 This contribution amount assumes no other IRA contributions.
2 2A qualified withdrawal is any withdrawal made after five years of first contributing to any Roth IRA and you are one or more of the following: a) over age 59 ½, b) disabled, or, c) buying a first home.
Certain products and services may not be available to all entities or persons. Results are based on your inputs and IRS regulations regarding age, adjusted gross income, spousal age, eligibility for an employer sponsored plan, and filing status disclosed in IRS publication 590-A. This publication is available at https://www.irs.gov/publications/p590a/index.html. This tool does not consider your complete financial situation and needs, or other inputs such as debt, other retirement assets or contributions, liquidity needs, and other receivables or obligations. Contact your tax advisor regarding the tax impact of any decision regarding potential savings strategies.
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