Ameriprise offers traditional IRAs, Roth IRAs, Spousal IRAs, Rollover IRAs and IRS designed for small businesses that want to help their employees save for retirement. All of these IRAs are aimed at helping individuals save for retirement. A traditional IRA allows you to make pre-tax contributions, and earnings grow on a tax-deferred basis. With a ROTH IRA, you make after-tax contributions, and earnings grow tax-free.