Make the Most of Your IRA
Get a 3.5% match when you contribute to your Self-Directed IRA. For a limited time, transfer before Dec. 31 to take advantage of the increased $1,000,000 cap and earn up to $30,000. T&Cs apply.
Open Your IRA
Get a 3.5% match when you contribute to your Self-Directed IRA. For a limited time, transfer before Dec. 31 to take advantage of the increased $1,000,000 cap and earn up to $30,000. T&Cs apply.
Open Your IRA
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These funds invest in short-term, high-quality, low-risk securities. These funds are structured to offer liquidity and generally aim to maintain a stable net asset value (NAV) of $1 per share. While not risk-free, money market funds are often used to manage uninvested cash while seeking income and capital preservation.
BIGEIO Advisors, powered by BlackRock, empowers individuals with intelligent, accessible investment solutions. By combining cutting-edge technology and data-driven insights, we deliver tailored strategies, competitive cost and exceptional service that help investors achieve their financial goals with confidence and ease.
IRA options, including Traditional IRAs with tax-deductible contributions, Rollover IRAs to consolidate funds from a 401(k) or similar plans, and Roth IRAs offering tax-free growth.
Take the hassle out of building your wealth with tools designed to simplify the investment process. Recurring investment and contribution features help you consistently grow your retirement savings by automatically allocating funds according to your chosen strategy.
Your IRA may offer valuable tax benefits depending on the account type. Traditional IRAs can reduce your taxable income, while Roth IRAs may offer tax-free withdrawals in retirement. Take advantage of every opportunity to make your retirement strategy more tax-efficient.
Reduce taxable income with tax-deferred growth
Tax-free withdrawals in retirement
Plan A Assumption:
Contribute $540 per month in an IRA account starting the age of 18, with an annualized return of 5%, the IRA balance at age 65 is $1.23M.
Your total value at retirement is
$982,114.18
Disclosures
All investments are subject to risk of loss. Hypothetical investment performance is based on the specified assumptions and does not represent the actual performance of the investment portfolio of any customer of BIGEIO Financial LLC or BIGEIO Advisors, LLC. Your investment portfolio may achieve substantially lesser returns or be subject to losses based on a range of factors, including without limitation the specific securities comprising your portfolio, market conditions, and your contribution amounts.
Contribute pre-tax dollars to your Traditional IRA and benefit from tax-deferred earnings on your investments. This option is ideal for individuals looking to reduce their taxable income while building a secure financial future.
Seamlessly take control of your retirement savings by rolling over an employer-sponsored retirement plan into a new Rollover IRA with BIGEIO. Simplify management and maintain the tax advantages of your retirement assets.
Make post-tax contributions to a Roth IRA and enjoy tax-free withdrawals during retirement. This option is especially beneficial for individuals in the early stages of their career who anticipate being in a higher tax bracket later in life.
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An Individual Retirement Account (IRA) is a tax-advantaged investment account designed to help you save for retirement. IRAs offer various tax benefits depending on the type: Traditional IRAs provide tax-deferred growth with potential tax deductions on contributions, Roth IRAs offer tax-free withdrawals in retirement, and Rollover IRAs allow you to consolidate retirement funds from previous employer-sponsored plans.
The main differences lie in tax treatment and eligibility:
For 2024, the annual IRA contribution limit is $7,000 for individuals under age 50. If you're 50 or older, you can make an additional catch-up contribution of $1,000, bringing your total to $8,000. These limits apply to the combined total of all your Traditional and Roth IRA contributions. Contribution limits are subject to change annually and may be affected by your income level for Roth IRAs.
Yes, you can contribute to an IRA even if you participate in a 401(k) or other employer-sponsored retirement plan. However, your ability to deduct Traditional IRA contributions may be limited based on your income and whether you (or your spouse) are covered by a workplace retirement plan. Roth IRA contributions are not affected by workplace plan participation, but they have income limits that determine eligibility. You can contribute to both a 401(k) and an IRA in the same year, allowing you to maximize your retirement savings.
You can start taking penalty-free distributions from your IRA at age 59½. Withdrawals before this age are generally subject to a 10% early withdrawal penalty in addition to ordinary income taxes (with some exceptions for hardships). For Traditional IRAs, you must begin taking Required Minimum Distributions (RMDs) starting at age 73 (as of 2023). Roth IRAs do not have RMDs during the owner's lifetime, making them attractive for estate planning purposes.