Long-Term Planning
Individual Retirement Account (IRA)
Flexible retirement savings options built around your timeline.
Choose from common IRA structures that help you build long-term savings with potential tax advantages, depending on eligibility and contribution rules.
Empire State Trust
Plan with confidence
Clear information, helpful tools, and support when you need it.
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Traditional and Roth options available
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Potential tax benefits depending on account type
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Simple online funding and automatic contributions
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Rollovers and transfers supported (as eligible)
Build a better retirement plan
Retirement planning is personal. Whether you’re starting early or catching up, an IRA can help you organize long-term saving with more structure.
Core benefits
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Traditional and Roth options available
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Potential tax benefits depending on account type
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Simple online funding and automatic contributions
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Rollovers and transfers supported (as eligible)
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Clear contribution and distribution guidance
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Dedicated support for account setup
Details
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Use an IRA to structure long-term saving. Contribution limits and eligibility vary by account type and may change over time.
Traditional vs Roth
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Traditional IRAs may offer tax-deductible contributions depending on eligibility, while Roth IRAs typically use after-tax contributions with potential tax-free qualified withdrawals. We’ll help you compare what fits.
Education savings (ESA)
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For families planning ahead, education-focused savings options can complement retirement plans and help you map future priorities.
Ready to take the next step?
Open your account online or contact our team for guidance.