An individual retirement arrangement (IRA) is the blanket term for a form of retirement plan that

provides tax advantages for retirement savings in the United States. The term encompasses an
individual retirement account — a trust or custodial account set up for the exclusive benefit of taxpayers
or their beneficiaries — and an individual retirement annuity, by which the taxpayers purchase an
annuity contract or an endowment contract from a life insurance company. [1]

With a Roth, contributions are made with after tax dollars and are ultimately withdrawn tax free. Since
the money will be used in retirement, most investors believe that a tax free withdrawal (Roth IRA) will
be more efficient than a taxable one (Traditional IRA). So the question is often asked, "Which account is
better?" http://pr-usa.net/index.php?option=com_content&task=view&id=658091&Itemid=30

Retirement is the point where a person stops employment completely. [1][2] A person may also semi-retire
by reducing work hours. http://en.wikipedia.org/wiki/Retirement

Financial services refer to services provided by the finance industry. The finance industry encompasses a
broad range of organizations that deal with the management of money. Among these organizations are
banks, credit card companies, insurance companies, consumer finance companies, stock brokerages,
investment funds and some government sponsored enterprises.

Products are

Shares: Bonds: Treasury Bills Credit Default Swaps Collateralized Debt Obligations
http://www.economywatch.com/investment/financial-products.html

Strategy

Description

Example

Undifferentiated

Sending the same promotional message to everyone

Promoting the city as a historic destination by placing ads in widely read newspapers

Concentrated

Designing a promotional message that communicates the benefits desired by a single specific
segment

Promoting the city as historic by targeting elderly members of historical societies by placing ads
in their newsletters

Differentiated
Designing more than one promotional message, with each communicating different benefits

Also targeting families by communicating a promotional message about the importance of

children learning history

Bank office and accounting commodities and energy corporate services deal making equities and
derivatives fixed income foreign exchange independent advisors investment management quatitative
research and trading risk management wealth management

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