FCNB Financial offers a variety of smart financial choices for investing your hard earned money.  Contact Wealth Managers Julie Settles and John Meusch for more information!

Individual Retirement Account (IRA)

This account allows you to save for retirement using pre-tax dollars. Your money grows tax-deferred until you need it after the age of 59 1/2.  You can open an IRA with a minimum contribution of $50 and you can then contribute up to $5,000 per year in 2009.  If you are age 50 and above, your annual contribution limit is $6,000.  If you have tax problems or want to lower your tax burden, this is an excellent choice.

Roth lRA

You can save for retirement using after tax dollars.  All earnings generated by the account are yours after the age of 59 1/2, withdrawals prior to 59 1/2 are subject to taxes and penalties.  You can open a Roth IRA with a minimum contribution of $50 and you can then contribute up to $5000 per year.  If you are age 50 and above, your annual contribution limit is $6,000.  If you have not started saving for retirement or are between the age of 20 to 50 years old, this is an unbelievably good choice.  If you don't have one, you are missing out on the best deal the IRS has ever given us.  

Stocks and Bonds

There are numerous ways to structure your investments. Once your needs and requirements have been identified, we can make a recommendation that makes sense for you.

Independent Contractor of Money Concepts International, Inc. All securities offered through Money Concepts Capital Corp. Member FINRA/SIPC Money Concepts, 11440 N. Jog Road, Palm Beach Gardens, FL 33418, Phone (561) 472-2000 * Not a Deposit * Not FDIC-Insured * Not Insured By Any Federal Government Agency * Not Guaranteed by the Bank * May Go Down in Value