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Tax-Advantaged Accounts

Account Types

Individual Retirement and Business Accounts

Equity Institutional offers a full range of tax-advantaged accounts, including IRAs and qualified account types to meet the investment needs of your clients.

Traditional IRA

Allows individuals to make contributions with pre-tax money and may provide a tax deduction, while the investment earnings are tax-deferred until withdrawn from the account.


  • Contributions may be fully or partially tax deductible depending on your circumstances
  • Taxes on investment earnings are deferred

Individuals are eligible to begin making withdrawals at age 59 ½, but required minimum withdrawals from a Traditional IRA must begin at age 70½.

View Contribution Limits

Roth IRA

Allows eligible individuals to make contributions with after-tax dollars (not eligible for tax deduction).  This account is designed to allow investment earnings to grow tax-free and provides the opportunity for tax-free withdrawals in retirement. The earnings and distributions are tax-free after the individual reaches 59 ½.


  • Qualified withdrawals are tax-free
  • Investments can compound tax-free
  • No required withdrawals at any age

Individuals who are U.S citizens, regardless of age, can open a Roth IRA, assuming their individual Modified Adjusted Gross Income (MAGI) is within allowable limits.

SEP – Simplified Employee Pension

Simplified Employee Pension (SEP), is designed for self-employed individuals or small businesses with less than 25 employees. The SEP allows for pre-tax 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  Contributions to a SEP are tax deductible and compound tax-deferred until withdrawn, pending that the distribution is taken after the account holder reaches 59 ½ years of age. Additional information related to SEP accounts can be found here.


  • Less complex and costly than a 401(k)
  • Allows individuals to contribute larger amounts
  • May qualify for larger tax deductions

SIMPLE – Savings Incentive Match Plan for Employees

Savings Incentive Match Plan for Employees (SIMPLE) is a plan for small businesses, typically with 100 or fewer employees, that have no other retirement plans.  With a SIMPLE plan, contributions are tax deductible and compound tax-deferred until withdrawn, pending that the distribution is taken after the account holder reaches 59 ½ years of age. Additional information related to SIMPLE accounts can be found here.


  • Less complex and costly than a 401(k)
  • Contribution limits are higher than individual retirement accounts and grow tax-deferred, without being subject to capital gains or income tax
  • Employees are always 100% vested in (or, has ownership of) all SIMPLE IRA money

Solo 401(k)

The Solo 401(k) is designated for a business in which only the owner (and their spouse) is an employee, and offers the same benefits of the 401(k).


  • A retirement savings plan specifically designed for the individual business owner
  • Higher contribution limits for tax-advantaged retirement investing
  • Opportunity to maximize contributions through employee and employer contributions

Custodial Services

Non-Qualified Personal Custodial Services: Equity Institutional offers custodial services for non-qualified custodial accounts, providing individual investors and corporations with a convenient way to consolidate, monitor, and track all investments within the portfolio.

Qualified Custodial Services: Equity Institutional also provides custodial-only services for qualified retirement accounts. This service allows for an existing qualified retirement plan to be diversified without the obligation to move the entire account.

Health Savings Accounts (HSA)

A Health Savings Account (HSA) allows individuals to save for current and future medical expenses in a tax-advantaged environment, while potentially reducing their health insurance premiums.


  • Potentially lower health care premiums
  • Triple Tax Advantages – possible tax deductions, funds grow tax-deferred and qualified expenses are tax-free
  • Not a “Use it or Lose it” Plan

Coverdell Education Savings Accounts (CESA)

A Coverdell Education Savings Account (CESA) allows individuals to save for educational expenses in a tax-advantaged account. Earnings from investments in the account grow tax-deferred and distributions are tax-free when used for qualified expenses.


  • Save for Higher Education
  • Save for More than just College – Help pay college expenses, in addition to elementary and secondary tuition, as well as books and supplies
  • Anyone can contribute to a CESA