Individual Retirement Accounts

IRAPlans

The ONE FUTURE IRA Program. Learn more and open your account here. For savers needing to save $7,000 or less per year.

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How It Works

ABOUTIRAs

ONE Future IRA Basics

IRA Contributions

IRA Eligibility

Investments:	Mutual Funds. No brokerage or Self-directed options
Distribution Rules:	Attainment of age 59 ½. If balances are pulled prior a 10% penalty and normal income taxes may apply
Loans:	IRA accounts do not offer loans (unlike 401ks).

IRA Contributions:

The maximum total annual contribution for all your IRAs combined is: Tax Year 2022 - $6,000 if you're under age 50 / $7,000 if you're age 50 or older. Tax Year 2023 - $6,500 if you're under age 50 / $7,500 if you're age 50 or older.

Contribution Table:

AGE	2023 Max Contribution
< 49	$6,500
50 >	$7,500

Eligibility to Contribute:

IRA’s have several Income based contribution rules and restrictions. Below are a few of those. Please consult with your CPA or the IRS website to confirm your ability to make deductible contributions

Notes:

If you are employed by or own a business that offers a 401k or other group retirement plan your ability to deduct IRA contributions will be determined by your income. If your AGI is less than $68,000 for single filer, or $129,000 for joint (2022, indexed for inflation) you are allowed to fully deduct the contribution. Amounts above this will be phased out over the next $10,000- $20,000 of compensation and not allowed for AGI over $78,000 single filer or $129,000 for joint filers.
Roth IRAs have certain AGI based contribution limits
- General married filing jointly can contribute up to the full $7,500 if their income is less than $218,000 or a reduced amount up to $228,000 at which point the opportunity o contribut is completely phased out.
- For single filers or head of household, these individuals can contribute up to the full $7,500 if their income is less than $138,000 or a reduced amount up to $153,000 at which point the opportunity o contribut is completely phased out.
For more information please visit: IRS - IRA Contribution Limits

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