- Self-Directed Accounts
- Investment Types
- Why Equity Trust
- Institutional Solutions
Equity Institutional offers a full range of tax-advantaged accounts, including IRAs and qualified account types to meet the investment needs of your clients.
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contributions with pre-tax money and may provide a tax deduction, while the investment earnings are tax-deferred until withdrawn from the account.
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
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.
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.
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 Contributions to a SEP are tax deductible and compound tax-deferred until withdrawn, pending that the distribution is taken after the account holder reaches 59 ½ years of age.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.
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 With a SIMPLE plan, contributions are tax deductible and compound tax-deferred until withdrawn, pending that the distribution is taken after the account holder reaches 59 ½ years of age.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.
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).
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.
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.
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.
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