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Types of Service Fees

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Our IRA management fee schedule varies based on investment type, but essentially there are four types of service fees: Account Establishment, Administrative and Maintenance, Transactional, and Account Closure.

One-Time Account Establishment

This service includes account opening, communication with your existing custodian to initiate the receipt of funds, facilitation of the funds transfer to Pacific Premier Trust, and any other necessary follow-up to establish your account.

Account Administration and Maintenance

To custody retirement account assets and maintain their tax-advantaged benefits, the asset must be held by an authorized custodian or trustee according to IRS Publication 590. The Account Establishment and Administrative and Maintenance fees cover:

  • Access to knowledgeable Pacific Premier Trust representatives  
  • Client Service representatives available for you Monday through Friday from 7:00 a.m.- 5:00 p.m. MT to help you with any questions regarding your Pacific Premier Trust account 
  • Account summaries including intra-day transactions posted online so you can see your account activity, plus quarterly e-statements 
  • Secure online access allowing you to check balances, request incoming transfers, place trades, make contributions, request distributions, add beneficiaries, monitor transactional statuses, securely upload documents, request expenses, and update personal contact information 
  • Assistance in obtaining annual asset valuations to remain compliant with IRS regulations 
  • Annual tax reporting and issuance of, but not limited to, IRS Tax Form 5498 and IRS Tax Form 1099-R to record and report fair market values, contributions, distributions, and other taxable events 
  • Asset sponsor and contra firm correspondence  
  • Expense request processing 
  • Medallion Signature Guarantee stamps  
  • Notary services 
  • Annual RMD calculations and courtesy reminders 
  • Online distribution requests 
  • Deposit processing 
  • Ongoing monitoring and upgrading of our systems to help prevent cyber crime 
  • Regulatory and tax law monitoring, so we can help keep your account IRS compliant 

Transactional charges

These services are based on the nature of your investment or administrative activities. This can include but is not limited to:

  • Outgoing wires, outgoing checks, cashier checks, and returned checks 
  • Overnight mailings  
  • Roth or IRA re-characterizations 
  • Purchases 
  • Liquidations 
  • Sales  
  • Asset re-registration 
  • Partial transfers/rollovers 
  • Quarterly processing fees for real estate, notes, or tax lien payments 
  • Custom account research 
  • Document safekeeping 
  • Manual distribution requests 
  • Mailed paper statements

Account closures

To maintain tax-deferred status, account closure may require re-titling or re-registration activities, along with other critical documentation to properly process your asset transfer.

Payment Preferences

Most Pacific Premier Trust service fees are charged quarterly. There are multiple options for payment — you can choose which one is right for you. You can pay fees out of the cash in your IRA and use pre-tax dollars with a traditional IRA. Or, pay service fees with money outside of your IRA — which may be tax-deductible. Check with your tax professional.

Available Payment Methods

  • Payment by debit, credit card, or check
  • Bank transfer from a non-IRA bank checking or savings account (ACH)
  • Cash deducted from your Pacific Premier Trust IRA account

Complimentary Services

While fees vary based on your type of investment, Pacific Premier Trust proudly provides the following service to all of our clients.

Unlimited Access to Knowledgeable Pacific Premier Trust Representatives

Client service representatives are available Monday through Friday from 7:00 a.m. - 6:00 p.m. MT to help you with any questions about your account.

Account Summaries

  • Intra-day transactions posted online so you can see your account activity
  • Quarterly statements via e-mail

Annual Asset Valuation

  • Private Equity: Reaching out to your investment sponsor to receive your asset valuation as required by our regulators and reporting this information as required to the Internal Revenue Service (IRS)
  • Real Estate, Notes, Other: Reaching out to remind you that your annual valuation is due and reporting that information to the IRS on your behalf

Annual Tax Reporting

  • Recording all contributions and issuing IRS Tax Form 5498
  • Processing all distributions and issuing IRS Tax Form 1099-R
  • Recording all dividends, interest payments and any other investment income earned

Behind the Scenes

  • Continued monitoring and upgrading of our systems to help prevent cyber crime
  • Staying current with regulatory and tax law changes, so we can help keep your account current
  • Listening to our clients and developing more online tools to make it easier for you to manage your account