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Saving For Retirement

Making your golden years a little more golden

How do I save for retirement?

For most people, saving for retirement means investing money into an IRA (individual retirement account), annuity, or an employee-sponsored plan like a 401(k). These accounts help you grow money while offering potential tax breaks to ensure the maximum benefit once you reach retirement age. Not sure which one is right for you? Check in with one of our financial advisors.

Traditional IRA

Make contributions today, and potentially defer taxes until retirement.

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Roth IRA

Skip the tax-deduction today and enjoy retirement withdrawals tax-free.

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Simplify the complexity of investing

Older man

Commerce Horizons® simplifies choosing and managing a diversified investment portfolio. It's not a one-time transaction--it's a personalized program managed by your financial advisor, one that adapts to your changing needs and goals.

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Fixed Annuities

Prepare for retirement with tax deferred growth and a guaranteed minimum interest rate.

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Variable Annuities

Set up a stream of income for retirement with earnings and payouts that adjust with the market.

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Build a future, leave a legacy

When you have a vision for your family's future, we'll be there to help. Let us show you how we can help plan for what comes next, from trusts and investments to charities and family plans.

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Disclosures

1 Commerce Brokerage Services, Inc., does not provide tax advice or legal advice to customers. Consult a tax specialist regarding tax implications related to any product and specific financial situations.

2 Insurance products sold through Commerce Insurance Services, Inc., a wholly owned subsidiary of Commerce Bank.

† To send an email that contains confidential information, please visit the Secure Message Center where there are additional instructions about whether to use Secure Email or Online Banking messaging.

The information provided on this website is not meant as a recommendation or endorsement of any specific security or strategy. An individual’s situation can vary; therefore the information provided above should be relied upon only when coordinated with individual professional advice.

Mutual funds, annuities, and other investment products:

Not FDIC-insured

May lose value

No bank guarantee

Commerce Brokerage Services, Inc., Member FINRA/SIPC, is a wholly owned subsidiary of Commerce Bank. This site is not intended for use by, or to provide any information to, investors in any state where Commerce Brokerage Services, Inc. is not registered or in any jurisdiction outside the United States of America where such use would be prohibited or otherwise regulated. Nothing on this web site shall be considered a solicitation to buy or an offer to sell a security to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.