Traditional IRA

If you have earned income, a Traditional IRA may be the appropriate choice.

A Traditional IRA can help support your retirement goals by allowing your assets to grow tax deferred, while fitting into a broader strategy designed around your life.Whether you are investing for retirement or refining an existing plan, a Traditional IRA can play an important role in helping you move forward with confidence.

Key Features and Benefits

Contributions to a Traditional IRA have the potential to grow tax-deferred until the money is withdrawn.

Tax Advantages

Contributions may be tax-deductible

Benefits of Compounding

Earnings remain invested tax-deferred, allowing investments to compound

Open Eligibility

Anyone with earned income can contribute

Overview

Account Highlights

Immediate tax advantages; contributions may be tax-deductible
Earnings remain invested tax-deferred, allowing your retirement investments to compound
Select from a wide array of investment options
No maximum income limits for eligibility, no minimum contribution required to open an account

Eligibility

Anyone with earned income or whose spouse has earned income can contribute to a Traditional IRA.

Your income determines to what extent your Traditional IRA contributions are tax-deductible. These limits are based on your Modified Adjusted Gross Income (MAGI). Consult your tax advisor to determine your specific deduction allowances.

If you are covered by an employer-sponsored plan:

Filing Single: 2026

MAGI	Deduction
Less than $81,000	Full
$81,000 - $91,000	Partial
Greater than $91,000	None

Married, Filing Jointly: 2026

MAGI	Deduction
Less than $129,000	Full
$129,000 – $149,000	Partial
Greater than $149,000	None

If you're covered, but your spouse is not: 2026

MAGI	Deduction
Less than $426,000	Full
$242,000 - $252,000	Partial
Greater than $252,000	None

Married, Filing Separately
(and lived with spouse any time during year): 2026

MAGI	Deduction
$0	Full
$0 - $10,000	Partial
Over $10,000	None

If you are NOT covered by an employer-sponsored plan:

Filing Joint: 2026

MAGI	Deduction
All $ amounts	Full

Filing Single: 2026

MAGI	Deduction
All $ amounts	Full

Required Minimum Distributions (RMDs) are withdrawals that the federal government requires you to take annually from Traditional IRAs. Beginning in 2023, RMDs were triggered by your attainment of age 73, up from 72 (the RMD age as of 2019). You can always withdraw more than the minimum amount from your IRA in any given year, but if you withdraw less than the required minimum, you will be subject to a federal penalty.

Two Options to Fit Your Needs

Everyone plans for retirement differently. That’s why you can choose the level of support that feels right for managing your Traditional IRA.

Self‑Directed Traditional IRA Account

Open your Traditional IRA digitally with easy‑to‑use tools and more control over your investment decisions.

Best for confident, hands-on investors who want full control

Construct and manage your own portfolio with our self-directed, easy-to-use online platform.

Choose from a wide range of stocks, exchange-traded funds (ETFs) and mutual funds
Take advantage of $0 commission online stock and ETF trades

Open an Account

Advisor-Assisted Traditional IRA Account

Work directly with a PNC Wealth Management financial advisor who can help you explore your choices and align your retirement strategy with your financial needs.

Best for investors who want a guided approach to portfolio management

Choose your investing goals and risk tolerance and let our investment professionals do the work for you.

Get a diversified portfolio tailored to your risk level
Enjoy automated re-balancing as markets fluctuate

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This material is meant to educate and not to provide legal, tax, accounting or investment advice. PNC Wealth Management 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 INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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• SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED

Securities products and brokerage services as well as managed account advisory services are offered by PNC Wealth Management 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 (CA License #0B57695).

PNC Wealth Management and PNC Insurance Services do not provide legal, tax, or accounting advice.

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This document provides information on additional compensation that PNC Wealth Management receives from certain mutual fund companies, 529 plan program managers and insurance companies.

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 Wealth Management 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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2026 – Under 50
Filing Single	$7,500
Filing Joint	$15,000

2026 – 50 and over
Filing Single	$8,600
Filing Joint	$17,200

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Traditional IRA

If you have earned income, a Traditional IRA may be the appropriate choice.

Key Features and Benefits