Recently promoted to senior vice president of playing with the grandkids.

It's never too early to start planning for your future. Whether you're just starting to plan, already saving or nearing retirement, Indiana Bank & Trust Company can explain your options and help you plan for a comfortable future.

Three different types of individual retirement accounts with one common goal-your financial well-being during retirement.

• Traditional IRAs allow you the advantage of federal-income-tax-deferred earnings. Your contribution may be deductible.
• Roth IRAs help you save for retirement by making after-tax contributions and then enjoying earnings that are tax-free when distributed.
• Coverdell Educational Savings Accounts allow you to make nondeductible contributions to save for education and enjoy tax-free distributions when used for eligible educational expenses at colleges, universities or private schools. While adults contribute to the savings plan, a child age 18 or younger is named as the account's beneficiary.

Rollovers

Retiring, changing or losing a job can be stressful enough without worrying about your IRA rollover. Indiana Bank & Trust Company can help take care of the paperwork and make sure your retirement funds are invested. By rolling over the funds in your 401(k) or retirement plan to an IRA, you will continue to receive the tax-deferred status of your retirement savings and avoid penalties and taxes.

Investment Options

Indiana Bank & Trust Company offers a wide variety of investment options from insured deposits to self-directed IRAs to managed IRAs. We'll help you select one that makes you feel right at home.