IRA Types Offered

The Traditional IRA (Equity Institutional IRA)

The Traditional IRA offers an immediate tax deduction, allowing investments to grow tax deferred, with taxes due when you withdraw at retirement.

• Contributions may be fully or partially deductible
• Taxes on investment earnings are deferred
• Many individuals are in a lower tax bracket during retirement when distributions are taken. Therefore, earnings will be taxed at a lower rate than at the time of the contributions.

Eligibility and Contributions

Persons are eligible for a Traditional IRA if they are a U.S. citizen, receive taxable compensation, and are not age 70 by the end of the year in which the account is opened.

Age determines how much a person can contribute. Individuals that are 50 and older may contribute more to a Traditional IRA (known as a catch-up contribution). For additional contribution limits in detail, please visit Equity Trust Company or contact Equity Institutional Services at 855-355-ALTS (2587).

Individuals are eligible to begin making withdrawals at age 59 , but minimum withdrawals from a Traditional IRA must begin at age 70 .

Equity Institutional Flex IRA

The Equity Institutional Flex IRA provides you with maximum flexibility in asset diversification. Plus, you can consolidate other IRAs at an affordable cost.

The Flex IRA may hold any investments permitted in the Precious Metals IRA as well as:

• Private Stocks
• Private Limited Partnerships
• Limited Liability Companies
• Promissory Notes or Corporate Debt Offerings
• Futures Trading Accounts
• Trust Deeds / Real Estate Contracts
• Real Estate

• Other private placement or non-standard assets

All private placement investments and non-standard assets must follow specific processing requirements before Equity Institutional will process the purchase or accept an in-kind transfer, rollover, or exchange-in of the asset. Please visit our Forms page for more information.

Withdrawals

Individuals are eligible to begin making withdrawals at age 59 , but minimum withdrawals from a Traditional IRA must begin at age 70 .

The Roth IRA (Equity Institutional Roth IRA)

For individuals who wish to forgo tax deduction now, but never have to pay taxes when you withdraw funds.

Advantages:

• Qualified withdrawals are tax-free
• Investments are able to compound tax-free
• No required withdrawals
• May be able to pass on earnings to beneficiaries tax-free

Eligibility and Contributions

Anyone may have a Roth IRA, regardless of age, assuming his/her Modified Adjusted Gross Income (MAGI) is within allowable limits. Investors must be U.S. Citizens, and must meet income limits to invest and/or contribute to a Roth IRA.

www.trustetc.com/equity-university/irs-contribution-limits.html or contact Equity Institutional Services at 855-355-ALTS (2587).

Withdrawals

• Withdrawals are not required at any age
• Contributions can be withdrawn at any age, tax and penalty-free.
• Earnings in the account may be withdrawn tax and penalty-free as long as it has been open at least 5 years and the owner is over the age of 59 .

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Small Business IRAs

SEP Simplified Employee Pension

Designed for self-employed individuals and small business owners (typically with 25 employees or less), the SEP allows contributions toward retirement without getting involved in a more complex qualified plan such as a 401(k). Contributions to a SEP are tax-deductible and compound tax deferred until withdrawal.

Why Open a SEP?

If an individual wants to contribute the highest amounts possible to a retirement account and qualify for the highest tax deductions yearly (other than a qualified plan), then a SEP might be the best option.

SIMPLE Savings Incentive Match Plan for Employees

The SIMPLE is a plan for small businesses with 100 or fewer employees that have no other qualified plans. With a SIMPLE plan, contributions are tax deductible and compound tax deferred until withdrawal.

Why Open a SIMPLE?

Allowable contributions are more than individual plans and if you have employees other than your family, as the employer you are only responsible to match if the employee contributes funds first.

For more information please Contact Us.