Taxes

• Roth IRA
  A Guardian IRA account can be set up as fixed-rate certificates of deposit or as a variable-rate quarterly club account. We offer a Traditional IRA, a Roth IRA, and a Coverdell Education Savings Account.
• Income Tax
  Contributions to a Roth IRA are not tax deductible. Earnings are free from income tax at the time of withdrawal. With a Roth IRA, you are not required to make withdrawals at the age of 70 1/2.

Investment

• Investment Management
  Investment planning is not just for those getting ready for retirement, it is for everyone and every financial situation. You have ideas for the future, we have decades of financial experience. Let's start planning for your tomorrow today.
• Mutual Funds
  The NCUA insures all IRAs at Guardian up to $250,000, which means that if something were to happen to the credit union, you would be able to receive all of your funds up to $250,000. Stocks and mutual funds are not completely insured.
• Wealth Management
  Guardian Wealth Management exists to assist its clientele with pursuing their financial goals. Whether you are planning for retirement, saving for a child's education, or contemplating selling a business, our seasoned  Financial Consultant brings a proven process and years of experience to every member she helps.

Planning

• Retirement Planning
  Whether you want to start saving for your future, or avoid taxes on a pension plan payout, a credit union IRA may be the solution for you. Besides flexibility, an IRA offers several advantages over other savings options such as the opportunity for tax deductible contributions or tax-free earnings.
• College Funding
  We want to talk about your financial future. From retirement to education planning, we'll connect you with a financial consultant who is ready to listen, support, and understand your needs.