Personal Retirement


Plan to Enjoy Yourself

Retirement may be the end of your working years, but it’s just the beginning of what should be the most important phase of your life. When will yours begin… at age 55, 62, 67? What kind of lifestyle do you want to have?

Few people realize that they should plan for their retirement as if they were planning a long vacation. Creating and implementing a plan can make your life less stressful and more enjoyable.

Many of our clients have found that a financial plan helped them crystallize their goals and prepare for the lifestyle of which they have dreamed.

Let us help you navigate along the road to your retirement dream. If you are a few years away, it is more important than ever that you have a plan in place.

At Tioga State Investment Services, we offer the following retirement options:

  • Traditional IRA

An individual retirement account (IRA) that allows individuals to direct pretax income, up to specific annual limits, toward investments that can grow tax-deferred (no capital gains or dividend income is taxed). Individual taxpayers are allowed to contribute 100% of compensation up to a specified maximum dollar amount to their Traditional IRA. Contributions to the Traditional IRA may be tax-deductible depending on the taxpayer’s income, tax-filing status and other factors.

  • Roth IRA

A Roth IRA is an individual retirement plan that bears many similarities to the traditional IRA, but contributions are not tax deductible and qualified distributions are tax free.

The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change.


We look forward to helping you work toward reaching your financial goals.

Contact us to begin working with one of our LPL financial advisors.

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.
Not FDIC Insured No Bank Guarantee May Lose Value
Not a Deposit Not Insured by any Federal Government Agency

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AL, CA, CO, CT, FL, GA, IL, IN, MA, MD, ME, NC, NJ, NV, NY, PA, SC, UT, VA.

Tioga State Bank and Tioga State Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.