Oak Ridge Financial offers a variety of accounts and products to help you save for a financially secure retirement, including:

• 401(k) - Investing in your company’s 401(k) can be a great way to optimize your money’s potential for growth, but it should represent only one aspect of your overall savings strategy.

• Individual Retirement Account (IRA) - Investing in your IRA is one way to contribute to your retirement savings.

• Roth IRA - A Roth IRA helps avoid federal taxation on your IRA earnings-both while they are invested and upon withdrawal.

• Rollovers - Rolling your retirement assets from a qualified retirement plan at your place of employment into a traditional IRA is one of the best ways to keep your assets growing.

You should consult with a tax advisor before choosing IRA and Roth IRA accounts for deferred tax saving.

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