This is a question on the minds of many people these days. Unfortunately, for many individuals, the answer is, "NO."

To encourage people to put money aside for the future, the government offers tax benefits to retirement savers. The 1997 tax legislation added yet another tax-advantaged way to invest for financially secure retirement - the Roth IRA.

The Roth IRA is available starting in 1998. And with the advent of this new savings vehicle come many questions - and planning opportunities. In this brochure, we answer questions about Roth IRAs and explain the potential advantages these accounts offer. We hope the information we present helps you start the process of deciding whether a Roth IRA is right for you.