Your IRA Is More Than an Account. It's
Part of Your Retirement Plan.

Looking for the IRA Guy? You Found the IRA Guys.

Whether you are changing jobs, retiring, reviewing an old 401(k), managing an IRA you have accumulated over the years, or simply wondering whether your retirement money is positioned appropriately, the decisions surrounding your IRA can affect much more than investments.

At IRA Guys, powered by Tonka Financial Services, we help people understand their retirement options and
how those decisions fit into their complete financial picture.

Schedule a Conversation

Have an IRA or Old 401(k)? Start With the Right Questions.

Retirement accounts often represent years - sometimes decades - of saving.

Before making a decision, it can help to understand questions such as:

● Should I leave money in my former employer's retirement plan?
● Should I consider rolling a 401(k) into an IRA?
● What are the advantages and disadvantages of each option?
● How should my IRA be invested for the retirement I actually want?
● When should I consider Roth conversions?
● How will required minimum distributions affect me?
● How could withdrawals affect my income taxes?
● How does Social Security fit with my retirement accounts?
● How much income can my retirement savings reasonably provide?
● What happens to my IRA when it passes to my spouse or children?
● How do Medicare and healthcare expenses affect my retirement income strategy?

The goal isn't simply to answer, "Where should I move my IRA?"

The better question:

"How should my retirement assets work together to support the
life I want?"

What Is an IRA Guy?

● Income needs: How much will you need each month, and where will that income come from?
● Investments: Does the amount of risk you're taking still make sense for your life and retirement timeline?
● Taxes: How could distributions, Roth conversions, and required minimum distributions affect your tax
picture?
● Social Security: When and how you claim benefits can affect the rest of your retirement strategy.
● Healthcare and Medicare: Healthcare can become one of retirement's largest expenses and deserves to be
part of the conversation.
● Estate and beneficiary planning: Who ultimately receives your retirement assets, and are your beneficiary
decisions still appropriate?

That's why IRA planning at Tonka Financial is part of a broader approach we call Financial Health.

Changing Jobs or Retiring?

You May Have Several Choices for Your Retirement Plan
When leaving an employer, you generally may have options for your retirement-plan assets.
Depending upon your circumstances, those may include:

Leave the assets in your former employer's plan
This may be available if the plan permits it.
Move the assets to a new employer's retirement plan
This may be available if the new plan accepts eligible transfers.
Roll eligible assets into an IRA
An IRA may offer different services, investments, costs, and features.
Take a distribution
This may create taxes, penalties, or other consequences depending on the circumstances.

Each option can have advantages, disadvantages, costs, and tax consequences.

A rollover should not be automatic.

Before making a decision, we believe you should understand your choices and determine which approach is
appropriate for your individual circumstances.

Another Experienced Set of Eyes Can Be Valuable

Already have an IRA or financial advisor?
That's okay.
Sometimes a second opinion confirms that what you're doing makes sense. Other times, it identifies questions
worth addressing.

Request an IRA Second Opinion

Retirement Is About More Than Accumulating Money

Saving for retirement is one phase.
Turning those savings into an organized retirement strategy is another.
We help clients think through areas including:
● IRA and retirement-account coordination
● Retirement income planning
● Investment strategy
● Roth IRA and Roth-conversion considerations
● Required minimum distributions
● Tax-aware withdrawal strategies
● Social Security planning
● Medicare and retirement healthcare
● Insurance and risk management
● Beneficiary planning
● Estate and legacy coordination
● Family wealth and next-generation planning

Our goal is not simply to help you become more invested.

It is to help you become more prepared.

Why the IRA Guys Are Tonka Financial

IRA Guys is powered by Tonka Financial Services, a Minnesota financial advisory firm serving individuals,
families, retirees, professionals, and business owners.
Our approach is built around a simple idea:

Your Wealth Deserves the Same Care as Your Health.

Rather than looking at one account in isolation, we help clients connect investments, retirement, insurance,
healthcare, and long-term financial decisions.

You get the perspective of a financial team rather than having your entire financial future depend on one
isolated product or transaction.

How We Work

Understand Your Situation
We begin with your goals, retirement timeline, existing accounts, concerns, and questions.
Diagnose Your Financial Picture
We look beyond the IRA to understand how retirement income, investments, taxes, healthcare, insurance,
and legacy considerations fit together.
Evaluate Your Options
If you are considering an IRA rollover or another retirement decision, we help you understand reasonable
alternatives, advantages, disadvantages, and important considerations.
Build a Coordinated Strategy
When appropriate, we develop recommendations designed around your broader retirement and financial
objectives.
Review and Adjust
Retirement is not a one-time transaction. Your investments, income needs, tax situation, healthcare, and
family circumstances can change over time.

Frequently Asked IRA Questions

Should I roll my 401(k) into an IRA?

There is no universal answer. A rollover may make sense for some people while remaining in an employer-sponsored plan may be appropriate for others. Investment choices, expenses, services, creditor protections, withdrawal provisions, and your broader financial circumstances should all be considered.

Can I have more than one IRA?

Yes. Individuals may have multiple IRA accounts, although having several accounts can sometimes make investment management, beneficiary planning, and required distributions more complicated.

What is a Roth conversion?

A Roth conversion generally involves moving assets from a traditional tax-deferred retirement account to a Roth IRA. The converted amount may generally be taxable in the year of conversion. Whether a conversion is appropriate depends upon individual circumstances and should be evaluated as part of a broader tax and retirement strategy.

When do required minimum distributions begin?

Required minimum distribution rules depend upon your age, account type, and applicable law. Because retirement and tax rules can change, your individual situation should be reviewed before taking action.

Can you help if my IRA is somewhere else?

Yes. You don't have to transfer an account simply to have a conversation. We can help you evaluate your current arrangement and determine whether changes should even be considered.

You Worked Hard to Build It. Now Make Sure It Has a Plan.

Your IRA may be one of your largest retirement assets.

It deserves more than an investment allocation and an annual statement.

If you're wondering whether your IRA, old 401(k), retirement income strategy, or overall retirement plan
deserves another look, we'd welcome the opportunity to have a conversation.

Talk With the IRA Guys
IRA Guys | Powered by Tonka Financial Services

Schedule a Conversation Request a Second Opinion

Before deciding whether to retain assets in a 401(k) or roll over to an IRA, an investor should consider various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock. Please view the Investor Alerts section of the FINRA website for additional information.

Your IRA Is More Than an Account. It'sPart of Your Retirement Plan.