Starion IRA Options

Get more in-depth information about the IRA options Starion offers.


For individuals
Offered by Starion Financial Personal Bankers

  • Traditional IRA Certificates of Deposit
    Combines tax advantages of an IRA with the security of a bank Certificate of Deposit. Contributions can be deducted from an individual’s income tax. Withdrawals are subject to income tax. IRA CDs are FDIC insured


  • Roth IRA Certificates of Deposit
    A CD structured inside a Roth IRA follows the rules of a Roth IRA. Contributions are not tax deductible, but the CD enjoys tax-free growth and qualified withdrawals are generally tax-free. Roth IRA CDs are FDIC insured

For individuals
Offered by Starion Investment Representatives through Cetera Investment Services

  • Traditional IRA Accounts
    Allows individuals to direct pretax income, up to specific annual limits, toward investments that can grow tax-deferred. These IRAs are subject to investment risk and are not insured by the FDIC


  • Roth IRA Accounts
    Bears many similarities to the traditional IRA, but contributions are not tax deductible and qualified distributions are tax free. Roth IRAs are subject to investment risk and are not insured by the FDIC


For farmers, ranchers and small business owners
Offered by Starion Investment Representatives through Cetera Investment Services

  • SEP IRA Accounts
    Simplified Employee Pension, or SEP IRAs, are generally designed for self-employed business owners with no employees. SEP IRAs are subject to investment risk and are not insured by the FDIC


  • SIMPLE IRA Accounts
    Savings Incentive Match Plan for Employees, or SIMPLE IRAs, are aimed at business owners with up to 100 employees who want to set up a retirement program for themselves and their employees. SIMPLE IRAs are subject to investment risk and are not insured by the FDIC

As with any investment plan, please contact your tax advisor for questions on how the plan might affect your taxes.

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Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member SIPC/FINRA. Securities and insurance products offered by Cetera are: * Not FDIC insured * May go down in value * Not financial institution guaranteed * Not a deposit * Not insured by any federal government agency. Cetera is not affiliated with the financial institution where investment services are offered.
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