Due to Covid-19 related USPS mail delays of our client statements, late fees for non-payment of Annual Maintenance Fees will not be assessed until Apr. 30^th (extended from Mar. 16^th) – Learn More

Delivery of our client statements and payments have been impacted due to COVID-19 related USPS mail delays.

In response, Equity Trust has pushed out the date for assessments of late fees for non-payment of Annual Maintenance Fees from March 16^th to April 30^th. (Due date for the 2020 AMF invoice was Wednesday, March 3, 2021.)

Equity Trust is encouraging clients to use electronic methods for depositing and delivery of payments: Rental/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.

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Home | Investment Accounts | Solutions for Individuals | Roth IRA

Roth IRA

Self-Directed Roth IRAs

Overview

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.

Benefit

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

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

Related Pages:

Next Page Get Started with a Traditional or Roth IRA

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Equity Trust Company
1 Equity Way
Westlake, OH 44145

Equity Trust Company is a directed custodian and does not provide tax, legal or investment advice. Any information communicated by Equity Trust Company is for educational purposes only, and should not be construed as tax, legal or investment advice. Whenever making an investment decision, please consult with your tax attorney or financial professional. Equity Institutional services institutional clients of Equity Trust Company. Brokerage Services Available Through ETC Brokerage Services, Member SIPC, and FINRA. *Founded in 1974 | Self-Directed IRA Custodian since 1983. The predecessor business to Equity Trust Company was established in 1974 and the IRS approved as a custodian in 1983. **Assets under custody as of 12/31/20.

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