Retirement Accounts

United Brokerage Services, Inc.

Your Retirement, Your Way

Guidance and strategies tailored to the retirement you envision.

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Our approach

Let’s Make a Plan that Fits Your Life

Whether you’re starting your career or nearing retirement, it helps to talk with someone who gets the full picture. At United Brokerage, we take the time to understand where you're coming from and where you'd like to go. From Individual Retirement Accounts (IRAs) that offer tax-smart ways to save to annuities that can provide reliable income later in life, we’ll walk you through your options in a way that makes sense for you.

IRAs

Set aside money for retirement in a personal savings account with special tax advantages.

Traditional IRAs

  • Get a tax break now, pay taxes later
  • Grows tax-deferred
  • Withdrawals in retirement are taxed as income
  • Best for those expecting a lower tax rate in retirement
  • The earlier you start, the more time your money has to grow tax-deferred!

Roth IRAs

  • Pay taxes now, get tax-free withdrawals later
  • Grows tax-free
  • Withdrawals are tax-free if qualified
  • Best for those expecting a higher tax rate in retirement
  • The earlier you start, the greater your benefit!

Annuities

Turn savings into reliable income with options designed for steady security or potential growth. As fiduciary advisors, we consider annuities as a part of a broader strategy to help you reach your goals.

Fixed Annuities

Guaranteed Growth with Predictable Income

  • Earnings grow at a guaranteed interest rate
  • Lower risk: stable and predictable
  • Steady, guaranteed income payout
  • Ideal for conservative savers who value security

Variable Annuities

Market-Linked Growth Potential

  • Earnings fluctuate with market performance
  • Higher risk: potential for greater growth
  • Payments may vary over time
  • Best suited for growth-minded investors with longer horizons

Let’s Start Your Journey Together

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Tools for peace of mind

Whether you’re starting your career or nearing retirement, it helps to talk with someone who gets the full picture. At United Brokerage, we take the time to understand where you're coming from and where you'd like to go.

For Us, It's Always Personal

Get to know the team and discover the right local advisor for you.

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   Learn more about our firm's background on FINRA's BrokerCheck.

Broker Check
United Brokerage Services, Inc., a registered broker-dealer is a subsidiary of United Bankshares, Inc., the issuer of UBSI stock. The investments offered through United Brokerage Services, with the exception of brokerage certificates of deposit, are not bank deposits and are not obligations of, or guaranteed by, any bank. These products are not insured or guaranteed by the FDIC. Investments are subject to risk including possible loss of principal. This information is not legal or tax advice and past performance is no guarantee of future performance.

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