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Jennifer Ramon SVP , Product Development and Review PlainsCapital Bank

Jennifer Ramon SVP , Product Development and Review PlainsCapital Bank. Making Cents of Savings. Why Save?. Emergency fund Big purchase Retirement Education Grow idle funds. Consider Your Objectives. How often will you need access to funds? How will you access funds?

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Jennifer Ramon SVP , Product Development and Review PlainsCapital Bank

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  1. Jennifer Ramon SVP, Product Development and Review PlainsCapital Bank Making Cents of Savings

  2. Why Save? Emergency fund Big purchase Retirement Education Grow idle funds

  3. Consider Your Objectives How often will you need access to funds? How will you access funds? What is your risk tolerance? What is your ultimate savings goal?

  4. Savings Options Personal Savings Accounts Money Market Deposit Accounts Certificates of Deposit Individual Retirement Accounts Coverdell Education Savings Accounts Brokerage Accounts

  5. Personal Savings Accounts A good option for an emergency fund, where you’ll need only occasional access to funds and rate is not a top priority

  6. Money Market Deposit Accounts Offer more convenient access to funds and often higher interest

  7. Certificates of Deposit (CDs) An insured option with fixed terms and fixed or variable rates

  8. Traditional Individual Retirement Account (IRA) CD Tax-advantaged, secure option for retirement savings Please consult your tax professional for tax rules.

  9. Roth IRA CD Tax-advantaged, secure and flexible retirement savings option Please consult your tax professional for tax rules.

  10. Coverdell Education Savings Accounts (CESAs) Tax-advantaged, secure option for education savings Please consult your tax professional for tax rules.

  11. Brokerage Accounts Many investment options with potential for high growth Please consult your tax professional for tax rules.

  12. Jennifer Ramon SVP, Product Development and Review PlainsCapital Bank 214.252.4066 jramon@plainscapital.com www.plainscapital.com Thank You

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