A Health Savings Account gives you more flexibility and control over your health care costs.  That's because it empowers you to make your own health care decisions.

• Use pre-tax dollars to pay for future medical expenses
• To open an HSA, you must select a high-deductible health plan
• The balance in your HSA at the end of the year is carried over to the next year
• Protection from catastrophic medical costs
• An HSA enables you to take control of your health care decisions

Please check with a tax professional when planning to open a HSA.

A safe, easy retirement planning account with a great interest rate!

• You must be under the age of 70 1/2 to be eligible.
• Member can choose from an IRA share account or a variety of certificate options.
• And all investment earnings on your IRA may be tax-deferred--that is, tax is only due when you receive distributions from the account.

Please check with your tax adviser when planning to invest in an IRA.

The Roth IRA allows you to make annual non-deductible contribution annually. However, this amount is reduced by contributions made to your traditional IRAs.

Although you cannot claim a tax deduction, you can withdraw your contributions tax- and penalty-free at any time.

After the account is open five tax years, earnings can be withdrawn tax- and penalty-free for any of these reasons: age 59 1/2, disability, death, or a first-time home purchase up to a lifetime limit of $10,000

Please check with your tax adviser when planning to invest in an IRA.

A new and better way to save for a child's educational expenses.

• Up to $2000 in non-deductible contributions per child can be made each year, until that child reaches age 18.
• Withdrawals for certain qualified education expenses are tax-free.
• Qualified education expenses may include tuition, fees, books, computer equipment and technology required for elementary, secondary and post-secondary education.

Please check with your tax adviser when planning to invest in a Coverdell Education Savings Account.