Allstate(R) - Michael Petronis

	Michael Petronis		(301) 869-5000
	Allstate Personal Financial Representative

Allstate Products / IRAs

IRAs

An IRA lets you build your retirement savings while you enjoy certain tax advantages. Think of an IRA as a box that holds investments such as mutual funds, stocks, bonds, annuities, certificates of deposit (CDs) or other financial products. To help you take advantage of this powerful financial tool, Allstate offers a variety of IRA products. I can help you determine how to best use IRAs to help meet your retirement savings needs.

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Other Types of IRAs

There are several types of IRA options available to fit your specific retirement needs. SEP-IRAs (Simplified Employee Pension) can benefit self-employed or small business owners. Spousal IRAs allow a non-employed spouse to start a tax-deferred retirement vehicle.

Roth IRAs

Contributions to this retirement vehicle are made with after-tax dollars and aren't tax deductible. If you comply with applicable rules, you'll generally pay no taxes when the money is withdrawn. If you keep your Roth IRA for at least five years, you'll generally have tax-free and penalty-free access at age 59½. With no age limits for contributions or distributions, you can grow your retirement savings longer.

Traditional IRAs

Contributions to this retirement arrangement may be tax deductible, and you don't pay taxes on your earnings until they're withdrawn. Over the years, your traditional IRA accumulates earnings tax deferred. The result: a tax-deferred retirement nest egg you can access free of the 10% penalty beginning at age 59½ or you can continue to build the account until age 70½.

How can an Allstate Personal Financial Representative help?

I have the experience to help you define your financial goals and create an effective way to achieve them. If you would like to discuss IRAs, call me at (301) 869-5000

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Find out how to include IRAs in your financial plan. An Allstate Personal Financial Representative can help you explore your product options.

Begin securing your financial future today.

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Should I convert my IRA into a Roth IRA?

Amount in current IRA	$
Your future contributions	$
Your current age
Age to begin withdrawing
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Should You Convert Your Traditional IRA to a Roth IRA?

The Who, What and When of IRAs

Allstate does not provide tax advice. Please consult your tax advisor for specific information.

Please note the current contribution limits are set to expire after 2010 unless the law is extended by a future Congress. Additionally, not all states have adopted changes made by the Economic Growth and Tax Relief Reconciliation Act of 2001.

Michael Petronis is licensed to sell Allstate insurance products only in the state(s) of MD. The material contained in this Web site is applicable only in the state of MD. If you do not reside in the state(s) of MD, please go to the Find an Agent section on allstate.com to search for another Allstate representative.

This material is intended for educational purposes only. Allstate, through its insurance companies, subsidiaries, and brokers/dealers, offers a variety of products including life insurance and registered securities. Certain products, such as variable annuities, variable universal life insurance, mutual funds and 529 Plans, are available only through securities licensed representatives, and sales material must be accompanied by a prospectus. Life insurance and fixed annuity products are available from Allstate Life Insurance Company: Home Office, Northbrook, IL., and Lincoln Benefit Life Company: Home Office, Lincoln, NE. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC. Registered Broker-Dealer, Member NASD, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. 877-525-5727.

Banking products offered through Allstate Bank, Member FDIC. Other products sold by Allstate are not insured by the FDIC, are not a deposit or other obligation of or guaranteed by Allstate Bank, and may be subject to investment risks, including possible loss of principal amount invested.

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(03/15/2006)