• Keep more of what you earn through tax-deferred growth
• Save for retirement with pre-tax dollars
• Withdraw assets tax-free for retirement after age 59 ½ (Roth IRA/ Roth 401(k))

Participating in the tax-advantaged accounts for which you're eligible may offer one of the best ways of accumulating assets over the long-term. But which of these programs makes the most sense for you, given your unique circumstances and their combination of benefits, requirements and constraints? Your UBS Financial Advisor can help you determine an appropriate mix across the following retirement asset tax baskets:

Here are a few guidelines to consider:

• You should consider participating in an employer plan like a 401(k) or 403(b), if available. These plans enable you to save for retirement with pre-tax dollars and accumulate assets tax-deferred
• If you're eligible for a Roth IRA, consider establishing one and contributing to it annually. You'll not only accumulate assets tax-deferred but you'll potentially be able to withdraw them tax-free at retirement
• If you're not eligible for a Roth IRA, you should consider establishing and contributing to a traditional IRA annually
• Annuities also offer tax-deferred growth opportunities, with no IRS-imposed contribution limits (although they may be subject to insurance company maximums).
• You should realize that different retirement programs have different, and complex, requirements and constraints concerning eligibility, participation and the circumstances under which money can be withdrawn.

The value of tax-deferral

Contributing to an IRA or other tax-advantaged program makes sense at any age. Here's how much you can accumulate over various periods of time by contributing to an IRA on a regular basis:

The potential cumulative value of maximum IRA contributions¹

¹ This hypothetical example is provided for illustrative purposes only and is not meant to represent the performance of any specific investment product. Data assume a 50-year-old making Neither UBS Financial Services Inc. nor its employees or agents provide tax or legal advice. You must consult your tax and legal advisors regarding your personal circumstances.

² A 50-year-old individual can save an extra $165,508 for retirement in only 15 years. A married couple, both aged 50, can save an extra $331,016 in 15 years ($165,508 x 2).

Neither UBS Financial Services Inc. nor its employees or agents provide tax or legal advice. You must consult your tax and legal advisors regarding your personal circumstances.