Please note: Call center hours expanded to open at 8:00 am EDT to better serve our clients.
Visit our Coronavirus Resource Center for important updates and resources to help you navigate this time (this resource center also includes information related to the CARES Act and IRS Tax Deadline updates).

[close]


SDIRA Concepts

How to Title a Self-Directed Investment in an Equity Trust Account

April 14, 2020

How to Title an Asset in Your Equity Trust Self-Directed Account

Sole Ownership Titling

(The most common titling option)

Use this titling if your investment is titled directly to your account and your account is the only owner.

  • For Traditional, Roth, SEP, and SIMPLE IRA account types, the titling should be worded as follows:

Equity Trust Company Custodian FBO (For Benefit Of) [Account Owner’s Name] IRA

  • For CESA and HSA account types, the titling should be worded as follows:

Equity Trust Company Custodian FBO [Account Owner’s Name] CESA
Or
Equity Trust Company Custodian FBO [Account Owner’s Name] HSA

  • For Qualified Plans including Individual 401(k)s:
    Call Client Services for details: 800-955-3434, Option 3

Offer - SDIRA Self-Directed Rules Guide - Access Banner

Co-Ownership Titling

(Multiple owners of one investment)

Use this titling if your investment is titled directly to your IRA and your IRA will be one of two or more owners of the same investment.

  • For Traditional, Roth, SEP, and SIMPLE IRA account types, the titling should be worded as follows:

Equity Trust Company Custodian FBO [Account Owner’s Name] IRA, XX% Undivided Interest

(All owners combined must total 100%)

  • For CESA and HSA account types, the titling should be worded as follows:

Equity Trust Company Custodian FBO [Account Owner’s Name] CESA, XX% Undivided Interest
or
Equity Trust Company Custodian FBO [Account Owner’s Name] HSA, XX% Undivided Interest

(All owners combined must total 100%)

  • For Qualified Plans including Individual 401(k)s:
    Call client services for details at 800-955-3434, Option 3

[Related: Self-Directed IRA Rules and Regulations]

If you’re an Equity Trust client and want more information about the self-directed investing process, log into myEQUITY and navigate to Resources>Education.

Yes, partnering your self-directed IRA or other retirement account with another funding source is possible. You can partner your IRA with your non-IRA money, your other retirement accounts, your spouse’s IRA, other people’s IRAs, another investor’s non-IRA money and your children/grandchildren’s CESAs, to name a few options.

No. This is considered a prohibited transaction (see IRC 4975).


Have Questions?

Get answers to your questions and learn more about building wealth with tax advantaged accounts.

Contact Us