Individual Retirement Accounts (IRAs) are special savings accounts that allow you to save money for retirement while deferring earnings from taxes.

Recent tax law changes allow individuals to contribute up to $5,000 a year or 100% of compensation, whichever is less. Special “catch-up” rules allow for contributions of $1,500 for taxpayers aged 50 and older.

By saving today, you can provide for a standard of living at retirement comparable to that you are accustomed to while a wage earner.

IRAs held in the Trust Department allow you to invest in stocks, bonds, and mutual funds providing opportunity for long-term growth.

Consult your tax advisor.

Talk to our trust professionals today at 217-234-6430 or email at trust@fnbbankingcenters.com.

INVESTMENT DISCLAIMER

• Not Bank Deposits
• Not Insured or Guaranteed by any Bank
• Not insured by any federal government agency
• Not FDIC Insured
• Involves Investment Risk, Including the Loss of Principal