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Investment advisory services offered through Raymond James Financial Services Advisors, Inc.. Jeter Hrubala Wealth Strategies is not a registered broker/dealer and is independent of Raymond James Financial Services.
© 2023 Securities offered through Raymond James Financial Services, Inc., member FINRA / SIPC
Securities through Raymond James Financial Services, Inc. Member FINRA / SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Jeter Hrubala Wealth Strategies is not a registered broker/dealer and is independent of Raymond James Financial Services. Jeter Hrubala Wealth Strategies is located at 101 W Saint John St Ste 20, Spartanburg, SC, 29306‐5167, and you can reach the office at 864‐764‐1789. Any opinions are those of SC Business Review and and Elizabeth (Beth) Hrubala and not necessarily those of Raymond James Financial Services, Inc., or of Raymond James. The information has been obtained from sources considered to be reliable, but Raymond James does not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Investing involves risk, and you may incur a profit or loss regardless of strategy selected. Neither Raymond James Financial Services nor any Raymond James Financial Advisor renders advice on tax issues, and these matters should be discussed with the appropriate professional. Contributions to a traditional IRA may be tax‐deductible depending on the taxpayer’s income, tax‐filing status, and other factors. Withdrawal of pre‐tax contributions and/or earnings will be subject to ordinary income tax and, if taken prior to age 59 1/2, may be subject to a 10% federal tax penalty.
401(k) plans are long‐term retirement savings vehicles. Withdrawal of pre‐tax contributions and/or earnings will be subject to ordinary income tax and, if taken prior to age 59 1/2, may be subject to a 10% federal tax penalty. Investors should consider, before investing, whether the investor’s or the designated beneficiary’s home state offers any tax or other benefits that are only available for investment in such state’s 529 savings plan. Such benefits include financial aid, scholarship funds, and protection from creditors. As with other investments, there are generally fees and expenses associated with participation in a 529 plan. There is also a risk that these plans may lose money or not perform well enough to cover education costs as anticipated. Most states offer their own 529 programs, which may provide advantages and benefits exclusively for their residents. The tax implications can vary significantly from state to state. Unless certain criteria are met, Roth IRA owners must be 59½ or older and have held the IRA for five years before tax‐free withdrawals are permitted. Additionally, each converted amount may be subject to its own five‐year holding period. Converting a traditional IRA into a Roth IRA has tax implications. Investors should consult a tax advisor before deciding to do a conversion.