Individual Retirement Accounts

Rolling over a 401(k)? Opening your first IRA? We’ll help you choose the right account and provide investment management to help you stay on track.

What we offer:

Traditional, Roth, and Inherited IRAs
IRA rollovers from employer-sponsored plans
SEP IRAs for self-employed individuals or small businesses
Active investment management and personalized support
CSB as trustee for your IRA, managing assets with care and compliance
Fiduciary oversight from local, experienced advisors

Whether you're planning ahead or making a transition, we’ll guide you every step of the way.

we're here when you're ready

Whether you're exploring options or already have a plan in mind, we're here to help you move forward with clarity and confidence.

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*CSB Wealth Management, Trust, and or brokerage products and services are; not insured by the FDIC; not a deposit or other obligation of, or guaranteed by, the depository institution; subject to investment risks, including possible loss of the principal amount invested.

Traditional IRA

Pre-tax contributions with tax-deferred growth
May reduce taxable income now
Taxes paid at time of withdrawal

Roth IRA

After-tax contributions with tax-free withdrawals
No required minimum distributions
Tax-free income in retirement

SEP IRA

Retirement savings plan for small business owners and self-employed
Employer-funded only
Higher contribution limits than Traditional or Roth

Rollovers and Transfers: What's the Difference?

Rollover:

You receive a distribution and deposit it into a new IRA within 60 days. Limited to once per year and may have tax implications.

Transfer:

Funds are moved directly between IRAs of the same type. Not tax-reportable and can be done any time.

Let’s Figure It Out Together

From first steps to final decisions, we’re here to guide you through it with experience and care.

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