Take charge of
your retirement.
Prepare for what's ahead with an
easy-to-manage, tax-advantaged
Individual Retirement Account.
We Provide Two Types Of IRAs
15% in every deposit with tax exemption.
Roth and Traditional, both offering tax-free growth potential on after-tax contributions. The IRS establishes an annual contribution limit that applies across all your IRAs, including those outside of Integrafintech. For 2024, the limit is $440,000 for individuals under 50 and $510,000 for those 50 and older. For every contribution made to an Integrafintech IRA account we offer a match of up to 15%. This match up extends to all contributions, including transfers and rollovers, with no cap on the matching amount. To qualify for the 15% match, open an Integrafintech IRA account, make monthly contributions, and maintain an active membership.
You can contribute to your IRAs in two ways;
- Transfer or roll over funds from another retirement account with no limit on the amount you can move
- Make monthly contributions that count towards your limit.
The 15% match rate on transfers and rollovers is valid until April 30, 2025
After which the rate for members drops to 10%. The matched funds must remain in the account for at least one yearv to avoid a potential Early IRA Match Removal Fee. When transferring another IRA or rolling over old retirement accounts into an Integrafintech IRA, remember that a transfer involves moving funds between two retirement accounts of the same type. we reimburse the IRA closing or transfer fee charged by other brokerages, provided proof of the charge is provided.
A rollover is a tax-free method
to move funds from an old IRA
into an Integrafintech IRA.
-
It's one of the
options available for managing
your account. Remember that funds contributed
to retirement accounts may offer tax benefits, and for
tax advice, it's recommended to consult with a tax advisor.
Four portfolio based on what matters most to you
We'll help you choose one that best aligns with your future goals.
Highly diversified across domestic, international, and fixed-income assets. You can choose the amount of risk you are comfortable with, from conservative to aggressive. if you're more of a hands-off investor, consider this portfolio type.
This portfolio type offers higher dividend yields, while maintaining a more conservative risk profile. Consider this portfolio type if you're most focused on yield and income.
If you make after-tax contributions to an investment account, this type of portfolio may help maximize your investments. If you're looking to invest using diverse mix of tax-advantaged, low-cost Exchange Traded Funds, consider this portfolio type.
Similar to our core portfolio, with greater weight given to companies that benchmark providers note as having strong environmental, social, or governance qualities. Consider this portfolio type if investing in companies deemed socially impactful is important to you.