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Stifel Wealth Tracker

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Organize Your Financial Life

  • Pull all of your financial information into one singular, secure view
  • Create a personal balance sheet
  • Take a more in-depth look at your holdings
  • Track your spending and view your net worth
  • Better understand the companies you're invested in by accessing Stifel's nationally recognized research and investment insights
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Traditional IRA

Traditional IRA

Traditional IRAs offer two distinct advantages over other types of investment accounts. First, Traditional IRAs allow your savings to grow tax deferred until withdrawn. Secondly, contributions to a Traditional IRA may be tax deductible.

Each tax year, you are allowed to contribute the lesser of 100% of your earned income or the contribution limits set by the IRS. If you are married and filing a joint return, you and your spouse can each contribute up to the maximum limit.

Traditional IRA contributions are fully deductible unless you are an "active participant" in an employer-sponsored retirement plan. If you are an active participant in an employer's plan, the deductibility of an IRA contribution will depend on your adjusted gross income (AGI) and your spouse's, if married.

You will be required to take minimum distributions from your account beginning at age 72. You can begin taking distributions without penalties at age 59 12. Distributions that include deductible contributions and/or earnings are taxed as ordinary income.

A Stifel self-directed IRA provides you the versatility and freedom to choose the investment vehicles that meet your financial needs.