Transfer your IRA to Third Federal and energize your retirement plan.

Talk with one of our non-commissioned IRA Representatives about transferring your IRA to Third Federal. We'll look at your retirement plan and provide solutions that meet your goals. Transferring your IRA is easy.

We'll handle all the details for you - from filling out the paperwork to contacting the financial institutions.

• One place to manage your retirement accounts
• Assistance in calculating your required minimum distribution
• One place to call for answers

Call 1-877-324-5661 to meet with an IRA Representative.

Three ways to maximize your retirement while minimizing your taxes.

Traditional IRAs.
Up to $5,000 of your yearly IRA investment may qualify as a deduction. Of course, you'll want to consult your tax advisor for information about your specific situation. You can open a traditional Individual Retirement Account if you have earned income and if you haven't turned 70-1/2 by the end of this year. It's that easy to qualify.

Roth IRAs.
Contributions to a Roth IRA are not deductible. However, when you take a distribution of funds for reasons that qualify, the interest you've earned may be tax-free. Again, please consult your tax advisor for information about your specific situation. Anyone with earned income, regardless of age, can open a Roth IRA.

CATCH-UP.
Qualified individuals who are age 50 or older are permitted to contribute even more money to their IRAs. For 2008, an extra $1,000 can be contributed as a catch-up contribution.

SEP.
We also offer a Simplified Employee Pension (SEP) for individuals who are self-employed or own a small business. Like a traditional IRA, a SEP defers federal income taxes until you withdraw funds. But you can contribute much larger amounts than those allowed into IRAs.

A SEP allows you to:

• Make tax-deductible contributions for employees. For 2008, the maximum contribution is the lesser of 25% of compensation or $46,000.
• Omit contributions in years when they're unaffordable.
• Avoid the high administrative costs and annual reporting requirements usually associated with other plans.

*This amount is subject to change based on cost-of-living adjustment.