B.2. Retirement Savings

Members may retain individual retirement accounts (IRAs) and other personal, tax-advantaged retirement instruments. Such accounts are exempt from the personal bank account balance limit, as long as they are made up only of deposits, fixed-income instruments, or other assets not traded on public securities markets.

Certain retirement accounts are technically savings accounts, but they aren’t accessible under normal circumstances. This clause provides a carve-out for those types of accounts and defines precisely what they are. It’s important to point out that most 401(k) and Thrift Savings Accounts are not part of this carve-out because they involve assets traded on public securities markets.