An IRA is a personal tax sheltered plan developed to help individuals plan and build a secure and comfortable retirement. Federal law allows contributions up to $3500.00 each year. If you have a non-working spouse, you may contribute an additional $3500.00. Your yearly earnings may affect the amount of your yearly tax deductible contribution. (Please check with your accountant on this.) Contributions may be deposited over a year, or lump sum annually. Give us a call for current rate information.