Jay Speckman

Vice President

Commercial Loan Officer

Before Jay became a distinguished Commercial Lender, he was a local, self-employed businessman. This makes him especially equipped to understand the struggles and meet the needs of his customers. Jay is an expert in commercial loans and enjoys meeting with small business owners and working with all the different industries.

If you’re looking for a lender that truly understands what it’s like to sit on both sides of the desk, give Jay a call!

Contact Jay

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Contact Information

Direct Line

(317) 584-5744 Ext. 4999

Email

jspeckman@citizens-banking.com

NMLS

555565

  • Disputes
  • How to dispute debit card transactions
  • With a Roth IRA, you typically pay taxes on the money before you contribute to your IRA. This means you generally can make qualifying withdraws once you reach 59 1/2 years of age without paying additional taxes on the distributions.
  • A traditional IRA allows you to direct pre-tax income toward investments that can grow tax-deferred until your retirement. You cannot contribute after age 70 ½ and distribution is required at that age.

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