Individual Retirement Accounts (IRAs)

Individual Retirement Accounts (IRAs) can allow a person to set up retirement accounts where contributions may be tax deductible and grow tax-deferred until retirement. Individuals are able to withdraw the money anytime (though if younger than 59 ½ a 10% penalty may apply), and once a person reaches 73, required minimum distributions will begin. Tax deductible IRAs are taxed as ordinary income when the money is distributed. Types of tax deductible retirement plans include: Employer Plans (401k(s), 403b(s) and 457 plans), Simplified Employee Pension (SEP) IRAs, SIMPLE IRAs and Rollover IRAs.

Roth IRAs are not tax deductible; however, the eligible distributions are tax-free.

Mission Statement

Our mission is to enhance our client’s financial security and peace of mind. We take great care in listening to our client’s needs and objectives, so that we can build customized investment portfolios to help them achieve their financial goals and dreams.


We provide financial and investment services including Registered Investment Advisory Services, Private Portfolio Management, Financial Planning, IRAs, College Savings Plans, Life Insurance and Estate Planning Assistance.

Client Letters

Click HERE to view our newly published Client Letter for the Spring of 2024. You can also view any other of our archived Client Letters and Newsletters which contain advice and tools to help you navigate the myriad of financial news and trends.

Advisory services offered through Arbor Point Advisors, LLC, an SEC Registered Investment Advisor.
Securities offered through Securities America, Inc., Member FINRA/SIPC

CA Financial Services, Arbor Point Advisors and Securities America are separate companies.

This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed.