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It’s never too early or too late to plan and save for retirement.

The closer you get to retirement, the tougher it becomes. With the hectic lives people live today, an easy, less time-consuming retirement investment is what they need. The solution is an IRA (individual retirement account).

The Internal Revenue Service (IRS) makes it easy to contribute to an IRA. Employers can allow employees to contribute to a traditional or a Roth IRA by direct deposit through payroll deduction. In addition, employees making direct deposits of deductible contributions to a traditional IRA may be able to adjust their federal income tax withholding to receive a more immediate tax benefit from their contributions. Check out the IRS website for more information (

Make your IRA habit-forming. At White Sands FCU, we’ll help you get your retirement plan off to the right start and make contributing to an IRA easy with direct deposit and payroll deduction.