ALERT: USPS is experiencing unprecedented volume increases and limited employee availability due to the impact of COVID-19.  This is impacting the delivery of client statements and payments, Equity Trust is encouraging clients to use electronic methods for depositing and delivery of payments: Rental and Note Payments can be submitted using our Online Payment Center | Request purchase funds, bill payments, and distributions using Wire or ACH payment methods through myEQUITY Wizards | Review for updates.

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Self-Directed Roth IRAs


Created in 1997 by Senator Roth of Delaware, contributions are made with after-tax dollars and are NOT tax-deductible. All funds within the Roth IRA compound tax-free and all withdrawals from the account are also tax-free (as long as the account owner is 59½ and the account has been opened for five years).

One of the benefits of a Roth IRA is that there is no required minimum distribution (RMD). Individuals may contribute as long as they have earned income and meet the modified adjusted gross income criteria. All withdrawals continue to be tax-free (if the account has been open for at least five years).

Anyone who has earned income and falls within the MAGI (Modified Adjusted Gross Income) limits established by the Internal Revenue Service can establish a Roth IRA.


Grow your retirement account over time tax-deferred and distributions are tax-free, once certain eligibility requirements are met. There are no yearly tax-deductions with a Roth IRA.

Invest Tax-Free. Retire Tax-Free. Build a Legacy Tax-Free. Learn more in your Roth Account Guide

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2019-2020 Contribution Limits

IRA Contribution Limits, Catch Up Provisions and Contribution Deadlines

2020 IRA Contributions & Deductions Infographic

Infographic summarizing IRS contribution limits and catch up provisions for retirement accounts

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