Individual Retirement Accounts have become very popular instruments for sheltering more of your current income from the IRS. In fact, these accounts were a creation of Congress some 20 years ago, intended to encourage more Americans to save for longer retirements as the population ages and life expectancies increase. IRAs offer very appealing tax advantages for money that you put into them and agree not to withdrawal until you reach retirement age (barring specific exceptions or incurring severe penalties). And United Bank has tremendous expertise in establishing and managing the IRA that will be most advanta-geous to you.