Financial Planning
Wherever you are in life, now is the perfect time to think about what lies ahead. We start with a detailed evaluation of your financial information and thorough discussion of your financial goals. Based on that information, we'll show you real-world ways to reach those goals based on when, where and how to invest your money.
We value long-standing relationships with our neighbors, so we're always available to answer questions and make any necessary adjustments to your financial plan.
Retirement Planning
What does retirement look like for you? Maybe it's filled with travel, adventure, new hobbies or a running a small business out of your home. Or maybe it's more relaxed with lots of time on the front porch, visiting with friends and making memories with your grandkids. Whatever you have in mind, you'll find Individual Retirement Accounts that can help you plan while delivering tax advantages.
Traditional IRA
- Invested earnings remain tax-deferred
- Contributions can be tax-deductible or you may be able to make non-deductible contributions
- Taxes are paid at the time distribution
- Must begin distribution at age 72
- Withdrawals can begin at age 59 ½
Roth IRA
- Earnings are tax-free; however, contributions are made with after-tax money
- After the age of 59 ½, qualified distributions are tax-free
SEP IRA
- Must be at least 21 years of age to enroll
- IRA established and funded by your employer
Rollovers
- For clients who choose to transfer assets from one retirement account (such as an IRA, 401(k), or other deferred income account) to another retirement account
- Allows the value to remain tax-free until withdrawal begins and allows controlled investments
Check the background of this Investment Professional on FINRA's BrokerCheck.
First Metro Bank Financial Services is a division of First Metro Bank. Securities offered through Cetera Advisor Networks LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.
NOT FDIC INSURED | MAY LOSE VALUE | NOT FINANCIAL INSTITUTION GUARANTEED | NOT A DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Please be advised that presently Kenneth Davis holds a Series 7 and 66 licenses. For residents of other states in which registration is not held, proper licenses and registrations must be obtained by representatives before proceeding further. No part of this communication should be construed as an offer to sell any security or provide investment advice or recommendation. Securities offered through Cetera Advisor Networks LLC will fluctuate in value and are subject to investment risks including possible loss of principal.
Links to third-party web sites are provided as they may be of interest to our website visitors for convenience. First Metro Bank does not endorse nor are we responsible for the content of the third-party links. Cetera Advisor Networks LLC makes no representation to the accurateness of information provided at these sites. Also, please be aware that the security and privacy policies of these sites may be different than those of First Metro Bank; therefore, read third-party privacy and security policies closely. First Metro Bank will not be responsible for any loss, damage to equipment, or incompatibility between the third party website and any Web browser, operating system, or devise used or operated by a user.