Retirement Accounts

Individual Retirement Accounts (IRAs) may offer you tax advantages that can help you achieve your goals. Consult your individual tax advisor.

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Traditional IRAs can offer immediate tax advantages.
  • Earnings remain invested tax-deferred
  • Contributions may be tax-deductible, or you may be able to make non-deductible contributions
  • Taxes are paid at the time of distribution
  • You are eligible if you've earned income and won't be 70½ years of age by December 31

A Roth IRA may be appropriate for investors with growing earning potential who may expect the same or higher tax rate in retirement.
  • Contributions are made after tax, but earnings can remain invested tax-free
  • Qualified distributions are tax-free after age 59½
  • There is no lifetime annual Required Minimum Distribution


When you leave an employer, such as for retirement or a job change, you have several options available to you and some important decisions to make about what to do with the money you've set aside for retirement.

Our investment professionals are here to listen, learn about your goals and help you find the option that is appropriate for you.


Important Information and Disclosures

This material is meant to educate and not to provide legal, tax, accounting or investment advice. PNC Investments and its affiliates and vendors do not provide legal, tax or accounting advice.

Important Investor Information: Brokerage and insurance products are:

Not FDIC Insured • Not Bank Guaranteed • Not A Deposit
Not Insured By Any Federal Government Agency • May Lose Value

Securities products, brokerage services and managed account advisory services are provided by PNC Investments LLC, a registered broker-dealer and a registered investment adviser and member FINRA, and SIPC. Annuities and other insurance products are offered through PNC Insurance Services, LLC, a licensed insurance agency.

This material does not constitute an offer or solicitation in any jurisdiction where or to any person to whom it would be unauthorized or unlawful to do so.

PNC Investments does not guarantee the performance of any investment. Investing results may vary. Investments may lose money. Diversification and asset allocation may not prevent a loss of investment.

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