Individual IRA’s are similar to the retirement plans most often offered by employers. Specifically 401(k), 403(b), etc… They are taxed the same way too, that is; money goes in before-tax, grows tax-deferred, and is taxable as ordinary income when drawn out. However, they do have a distinct advantage over company offered plans. There are no restrictions on the types of holdings you have in individual IRA’s. Individual IRA’s are most frequently used when people change jobs and convert old 401(k) plans. Our investment advisors are independent, meaning they can search the entire market place to find the best holdings for your IRA.