Wachovia Tax Advantaged Accounts

IRAs are one of the simplest ways to save for retirement because they offer tax-free earnings (in a Roth IRA), or tax-deferred earnings and possibly tax-deductible contributions (in a Traditional IRA). With a Wachovia Securities IRA, you can choose from a wide array of services and investment choices—so you create the IRA that is most appropriate for you.

IRA Comparison Chart

Use our chart to quickly compare Traditional, Roth, and SEP IRAs, as well as the benefits of a Coverdell Education Savings Account.

Traditional IRA (Apply Now)

Pay no taxes on your earnings until you withdraw funds at retirement - when you may have entered a lower tax bracket. In addition, your contributions may be tax-deductible.

Roth IRA (Apply Now)

Contributions to a Roth IRA are made after-tax rather than pre-tax, but earnings are tax-free if you meet certain conditions.

Rollover IRA (Apply Now)

When you retire or change jobs, you can continue tax-deferred investing by easily transferring your retirement assets into a Rollover IRA.

SEP IRA (Apply Now)

A retirement plan designed for the needs of small business owners, a SEP offers the benefit of tax-deferred earnings for the employee, and tax-deductible contributions for the company.

IRA Certificate of Deposit (IRA CD) (Apply Now)

If you prefer predictable interest earnings, stable principal, and knowing approximately what you will earn, CD IRAs may be the ideal investment solution.

The Wachovia Securities Tax Center site is designed to provide accurate, authoritative information regarding the subject matter covered. It is made available with the understanding that Wachovia Corporation and/or its affiliates are not engaged in rendering legal, accounting or tax advice. If legal, accounting, or tax assistance is required, the services of a competent professional should be sought. The hiring of a professional is an important decision and should not be based upon advertising. Ask for written information stating qualifications, experience and firm association before making a decision.

Securities and Insurance Products: Not Insured by FDIC or any Federal Government Agency; May Lose Value; Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate Wachovia Securities is the trade name used by two separate, registered broker-dealers and non-bank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC, Member NYSE/SIPC, and Wachovia Securities Financial Network, LLC, Member FINRA /SIPC.

Withdrawals are taxed as ordinary income and may be subject to a 10% Federal penalty if taken prior to age 59½.

Contact Us
To find a financial advisor or learn more:

Retirement Resource Center
(866) 588-9606
8:00am - 8:00pm ET
Monday - Friday

For questions on your existing account:
Wachovia Securities Service
(800) 669-2136
24 hours a day
7 days a week

Mailing Address

Individual Retirement Accounts (IRAs)

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