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Fully automated solutions for every type of investor along a broad range of investment strategies

While all IRAs offer a way to build savings, each type offers distinct advantages when it comes to taxation, distributions and payouts. Open a self-directed IRA that fits into your investment strategy.

What is an IRA?

An IRA is a broad category of retirement savings plans that include accounts individuals can open for themselves, as well as accounts employers can set up for the benefit of their employees

IRAs for individuals

IRAs for investors offer distinct advantages when it comes to taxation, required distributions and payouts, including age requirements and more

IRAs for business

IRAs for business offer pension and incentive matching benefits similar to a 401(k), including the option to add additional participants

401(k) rollovers

Contributing to your 401k is a great way to set aside funds for retirement, but instead of leaving it with a previous employer you can roll it over into an IRA

Self-direct your IRA with iTrust

Investor Services offers independent custodial trust solutions that provides professional administration, reporting, and custody services to help you meet regulatory standards and focus on providing institutional-quality investment operations.

What is a self-directed IRA?

A self-directed Individual Retirement Account only differs from other Individual Retirement Accounts in that the IRA owner has more control and flexibility when it comes to choosing investments. Typically, IRA investments are limited to exchange-traded assets like stocks and bonds. A custodian like iTrust offers self-directed IRA owners expanded investment options that include alternative investments.

Do companies like Fidelity offer self-directed IRAs?

If you choose to invest in alternative assets with an IRA or other qualified plan, you must have a self-directed IRA custodian. This is required by the IRS.

The self-directed IRA custodian responsible for holding and administering the assets of your account. There is extensive record-keeping required by the IRS and the self-directed IRA custodian should help you handle the reporting of all investment activity within the account, including quarterly reports, processing of annual asset valuations and other documentation.

Investors and their advisors — not the IRA custodian — are solely responsible for evaluating the investment’s merits and suitability. As the term "self-directed IRA" implies, you are in control and making all investment decisions.

Can investors have both a Roth IRA and a traditional IRA?

Yes. However the combined amount being contributed to both types of accounts must not exceed that year's contribution limits.

Can owners of a traditional IRA convert it into a Roth IRA?

Yes, owners of traditional IRAs can convert their traditional IRA into a Roth IRA. They will be required to pay income taxes on the amount being converted in the year the conversion is completed.

What are iTrust's service fees?

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Retirement plans for individuals

Traditional, and Roth IRAs are known for their flexibility, as well as their tax advantages. Invest with a Traditional, Roth, or Inherited IRA and for tax-deferred and tax-free capital gains.

 

   

  • Tax Benefits
  • Annual Contribution
  • Catch-up Contribution
  • Age Requirement
  • Income Requirement
  • Required Distributions
  • Withdrawel Taxes

Traditional IRA

5 bps AUM

  • Tax Benefits Tax-deferred
  • Annual Contribution $5,500
  • Catch-up Contribution $1000
  • Age Requirement Contribute Until 70 1/2
  • Income Requirement No
  • Required Distributions Yes (Starts Age 70 1/2)
  • Withdrawel Taxes Yes

Roth IRA

5 bps AUM

  • Tax Benefits Tax-free
  • Annual Contribution $5,500
  • Catch-up Contribution $1000
  • Age Requirement No
  • Income Requirement Yes
  • Required Distributions No
  • Withdrawel Taxes No (If 5-year Rule is Met)

Inherited IRA

5 pbs AUM

  • Tax Benefits Tax-deferred
  • Annual Contribution X
  • Catch-up Contribution X
  • Age Requirement No
  • Income Requirement No
  • Required Distributions Lifetime Distributions
  • Withdrawel Taxes No (If 5-year Rule is Met)

Retirement plans for small businesses

SEP and SIMPLE IRAs provide tax-deferred growth on capital gains, while Solo 401(k) Plans enable either, depending on the investment strategy.

 

   

  • Additional Participants
  • Tax Benefits
  • Employer Annual Contribution
  • Employer Catch-up Contribution
  • Employee Annual Contribution
  • Employee Catch-up Contribution
  • Personal Loan from Account
  • Withdrawel Taxes

SEP IRA

5 pbs AUM

  • Additional Participants Yes
  • Tax Benefits Tax-Deferred Growth
  • Employer Annual Contribution Up to $55,000
  • Employer Catch-up Contribution No
  • Employee Annual Contribution $5,500
  • Employee Catch-up Contribution $1000
  • Personal Loan from Account No
  • Withdrawel Taxes Yes

SIMPLE IRA

5 pbs AUM

  • Additional Participants Yes
  • Tax Benefits Tax-Deferred Growth
  • Employer Annual Contribution 3% of Employee Compensation
  • Employer Catch-up Contribution No
  • Employee Annual Contribution $12,500
  • Employee Catch-up Contribution $3,000
  • Personal Loan from Account No
  • Withdrawel Taxes Yes

Solo 401(k) Plan

5 pbs AUM

  • Additional Participants Yes
  • Tax Benefits Tax-Deferred & Tax-Free Growth
  • Employer Annual Contribution Up to $55,000
  • Employer Catch-up Contribution $6,000
  • Employee Annual Contribution $18,500
  • Employee Catch-up Contribution $6,000
  • Personal Loan from Account Yes
  • Withdrawel Taxes Defined By Plan

How your customers benefit

Expand investment reach

Self-directed IRAs enable investors to expand their reach, by freeing up capital to invest in exchange-traded funds, or self-directed into non-exchange funds that are typcially found outside the stock market.

Broader choice

With an IRA you can invest in a lot more than stocks, bonds, and mutual funds, you can also leverage a wider range of investments that you know and understand, such as real estate, crowdfunding, P2P lending, private equity  and more.

Protection against market volatility

Alternative investments are typically non-exchange-traded, and values are more likely to change at different times and to different degrees than conventional investments, helping to stabilize a portfolio.

Tax benefits

Alternative investments have the potential to deliver compelling returns over time, offering tax-deferred or tax-free growth on capital gains. Many investors work these tax incentives into their investment strategy.

Bankruptcy protection

Alternative investments made with an IRA or 401(k) rollover offer various forms of asset protection under federal bankruptcy laws, enabling individuals to tailor tailor asset protection strategies by account type.

Flexibility & Control

Investors who diversify their portfolio with alternative investments can reduce their exposure to the ups-and-downs of the financial markets while giving their portfolios more growth potential.

We're proud to be both the technology and price leader. Family Offices that work with us benefit from our low administrative fees, exhibiting good governance in the eyes of their investors.

Types of investments we custody.

iTrust works to provide investors with greater choices, control and flexibility. The accounts we offer support a diverse set of investing options, that we transact quickly, affordably, and securely.

An uninterrupted flow of synchronized digital custody

iTrust delivers a flexible infrastructure for the regulated financial custody and administration of traditional and alternative assets by combining expert services with first-class technology.

  • Open

    Customers on your site open an individual retirement account to fund their investment.

  • Fund

    Your customers fund their investment account using checking, savings, 401(k) and IRAs.

  • Invest

    Your customers fund their investment using the same standard seamless flow they've come to expect.

Upgrade Your Client's Experience

Investor Services offers the best real-time fully automated cloud-based solution in the industry for 401(k) and IRA investing, giving your family the ability to further their reach.