Continue your Embark IRA Contributions

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The annual contribution limits and eligibility criteria for Traditional IRAs and Roth IRAs are subject to change based on IRS rules and income phaseouts. Contributions to a Traditional IRA may be tax-deductible depending on your income level and whether you (or your spouse, if married) are covered by a retirement plan at work. Contributions to a Roth IRA are made with after-tax dollars and are not tax-deductible, but qualified withdrawals may be tax-free under current law. Early withdrawal penalties and required minimum distributions (RMDs) may apply to Traditional IRAs. Roth IRAs are not subject to RMDs during the original owner’s lifetime.

Diversification does not ensure a gain or prevent against loss in a declining market.

Tax and Legal Considerations: Before making any decisions regarding IRA contributions or conversions, you should consult with: A qualified tax advisor to assess deductibility, contribution limits, and tax treatment specific to your situation, and a legal professional if considering IRAs in the context of estate or retirement planning strategies. The rules and interpretations of the Internal Revenue Code are subject to change.