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Build Retirement Confidence with the Right IRA

Traditional, Roth, SEP, Rollover, Inherited (Beneficiary), Minor (Custodial), and Small-Business IRA solutions--guided by professionals who make it easy.

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Travis Tandy CEO & President of Tandy Consulting Inc
IRA Services | Tandy Consulting

Build Retirement Confidence with the Right IRA

Traditional, Roth, SEP, Rollover, Inherited (Beneficiary), Minor (Custodial), and Small-Business IRA solutions--guided by professionals who make it easy.

You're in Good Hands

  • Recognized locally for business consulting excellence
  • Transparent, plain-English guidance
  • Seamless setup and ongoing support

Serving individuals and small businesses across California and beyond.

Choose the IRA That Matches Your Goals

Every situation is unique--start with the basics below, then we'll tailor a plan.

  • Traditional IRA: Potential tax-deductible contributions today, tax-deferred growth; taxes due on withdrawals in retirement.
  • Roth IRA: After-tax contributions, tax-free qualified withdrawals. Great for long horizons.
  • SEP IRA: Higher contribution limits for self-employed and small businesses.
  • Rollover IRA: Combine old retirement accounts and simplify management.
  • Inherited (Beneficiary) IRA: Compliant distribution strategies for inherited accounts.
  • Minor (Custodial) IRA: Start early with a custodial Roth IRA for a child.
  • Small Business IRAs: SEP or SIMPLE IRA plans to attract and retain talent.

Traditional vs. Roth IRA Comparison

Feature Traditional IRA Roth IRA
Tax treatment of contributions Potentially tax-deductible After-tax (no deduction)
Tax treatment of growth Tax-deferred Tax-free on qualified withdrawals
Withdrawals in retirement Taxable as ordinary income Tax-free (if qualified)
Best for If you expect a lower tax bracket later If you expect a higher tax bracket later
Eligibility limits Deduction rules based on income & plan coverage Income limits for direct contributions

Smarter Retirement Benefits for Small Businesses

We help owners pick the right plan (SEP, SIMPLE-IRA, or alternatives), draft employer contribution policies, and onboard your team.

  • Clear plan selection and setup
  • Payroll and provider coordination
  • Employee education sessions

Clear Steps. No Confusion.

  1. Free Strategy Call: Understand goals, taxes, and timeline.
  2. Plan Selection & Setup: Paperwork, provider, rollover coordination.
  3. Ongoing Support: Annual check-ins and life-event updates.

Frequently Asked Questions

Can I contribute to both a 401(k) and an IRA?
Yes. Your 401(k) doesn't prevent IRA contributions, but deductibility rules may apply.
What if my income is too high for a Roth IRA?
You may consider a backdoor Roth strategy. We'll walk you through it safely.
How do rollovers work from a former employer plan?
We coordinate a trustee-to-trustee transfer to preserve tax advantages and avoid withholding.
When do RMDs start?
We'll confirm the current required minimum distribution age and help calculate amounts.
What records do I need at tax time?
Contribution confirmations (Form 5498), distribution forms (1099-R), and deduction documentation.

Why Tandy Consulting

We specialize in practical, year-round financial guidance for individuals and small businesses--integrating taxes, bookkeeping, and retirement planning so your money tells a consistent story.