Since 1976, we have been dedicated to building and preserving our clients’ assets. 

Retirement planning should be one of your top priorities, regardless of your age. Whether you are just starting out in the workplace or are thinking about retirement, you should know the investment options available to you. 

The most important thing is to have a plan in place and stick to it. Our Investment Counselors will collaborate with you to establish goals and implement a plan. 



How much do you need to save to retire?

The Value of Starting Early

The growth of a lump sum of $10,000 at 5% deposit, compounded annually - from age 20 could grow to $89,850 – compared with age 50, could only grow to $20,789.

It's never too late

It’s never too late to get started. Schedule a FREE financial review with one of our Investment Counselors and get started today!

David Lerner Associates offers customized investment solutions for retirement savings, including:

  • Individual Retirement Accounts (IRAs): IRAs are retirement savings accounts that individuals can open and contribute to. There are two main types of IRAs: Traditional and Roth. Traditional IRAs offer tax-deferred contributions and earnings, while Roth IRAs offer tax-free withdrawals in retirement.
  • The Traditional IRA is one of the oldest and most popular retirement savings plans. It was first introduced in 1975 as a government-sponsored, tax-advantaged tool to help individuals save for retirement. With Traditional IRAs, individuals can enjoy tax-deferred growth, meaning you don’t pay taxes on the money you earn until you withdraw it in retirement. Additionally, those who qualify can claim an immediate tax deduction equal to the amount of their annual contribution. Contributions are subject to income limits and other restrictions, so it’s important to consult with one of our investment counselors to determine if a Traditional IRA is the best option for your retirement savings.
  • A Roth IRA allows individuals to save for retirement with after-tax money that grows tax-free. This means that you pay taxes on the money you contribute upfront, but you won’t have to pay taxes on the money you withdraw in retirement. This means you can withdraw your contributions at any time without penalty or taxes. And, because you won’t owe taxes on the growth, your money can compound over time and potentially grow to a larger amount than a traditional IRA. There are no required minimum distributions (RMDs) for Roth IRAs, meaning you can leave the money in the account to continue growing tax-free for as long as you like. Speak to one of our Investment Counselors to determine whether a Roth IRA is the right choice for your retirement savings strategy.
  • 401(k) Plans: These are retirement saving plans offered by employers. Contributions are usually made through payroll deductions, and employers may match a portion of the employee’s contribution. These plans offer tax-deferred contributions and earnings, meaning you don’t pay taxes on the money you contribute or the earnings until you withdraw the funds in retirement.

Find out if it makes sense to roll over your employer-sponsored retirement plan. 

It’s important to understand the features, benefits, and limitations of these options before making a decision. Schedule an appointment with one of our Investment Counselors to help you choose the best way to achieve your retirement goals.

Retirement Planning for Business

David Lerner Associate offers many retirement investment vehicles for your business, including SEP Plans (Simplified Employee Pension), SIMPLE IRA plans, Defined Benefit Plans, Money Purchase Plans, and SARSEP (Salary Reduction Simplified Employee Pension).

Our Investment Counselors can work with you to start a retirement program for your business.


Learn More About Retirement Savings:

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