Manage retirement your way with alternative assets and self-directed IRAs.

Key Features

  • Greater Flexibility and Control
  • Expanded Investment Options
  • Diversification

Self-directed IRAs offer account holders more control and flexibility when it comes to choosing investments, which can provide portfolio diversification. Through the administration of a self-directed IRA custodian, investors can go beyond the stock market and hold alternative assets — including private equity, real estate, marketable funds, and more. 

Any type of IRA (traditional, Roth, etc.) can be “self-directed” if you are choosing your investments. Each IRA type brings unique benefits. Take a look at the options below to find the right IRA for your situation or contact us to review your options.

What type of IRA is right for you?


There are perks to both traditional and Roth IRAs. One of the biggest differences is the time at which you enjoy your tax advantage. A traditional IRA can provide tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.1 

Traditional IRA

  • No income limits to open
  • No minimum contribution requirement
  • Contributions are tax deductible on state and federal income tax2
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty3
  • Required minimum distributions at age 72

Roth IRA

  • Income limits to be eligible to open Roth IRA1
  • Contributions are NOT tax deductible
  • Earnings are 100% tax free at withdrawal2
  • Principal contributions can be withdrawn without penalty2
  • Withdrawals on interest can begin at age 59½
  • Early withdrawals on interest subject to penalty3
  • No required minimum distributions
  • No age limit on making contributions as long as you have earned income

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1Consult a tax advisor and see IRS Publication 590-A for information on IRA contributions.

2Subject to some minimal conditions. Consult a tax advisor.

3Certain exceptions apply, such as healthcare, purchasing first home, etc.

An inherited IRA, also known as a beneficiary IRA, is an account that’s opened when an individual inherits a retirement plan after the original owner dies. The individual inheriting the IRA (the beneficiary) can be anyone — a spouse, a relative, or an unrelated party.

A beneficiary can open an inherited IRA using funds from any type of IRA — including traditional, Roth, rollover, SEP, and SIMPLE IRAs. Assets held in the deceased’s IRA must be transferred into a new inherited IRA in the beneficiary’s name.

Inherited IRAs can be opened as traditional or Roth IRAs, which means taxes on withdrawals are treated accordingly. However, as a beneficiary, you cannot make additional contributions to an inherited IRA. 

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It’s never too early to start saving for your child — and an IRA is an ideal vehicle. An IRA for a minor is set up as a custodial IRA account by a parent or other adult. Traditional and Roth IRAs are both options for custodial IRAs.

Any child of any age can contribute to an IRA if they have earned income. Family and friends can contribute too, as long as they don't exceed the amount of the child's earned income.

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Pave the way for your student’s academic career by setting up a savings account early. A Coverdell ESA provides a tax-free safe place to build financial confidence for a new stage in life.

Coverdell funds can be used on a wide variety of education expenses for students from kindergarten to college attending eligible schools.

Coverdell funds must be used by the time a student is age 30 or taxes, fees, and penalties will accompany withdrawals.

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A SEP IRA is an employer-sponsored retirement plan that can be set up by sole proprietors, partnerships, and corporations. SEP IRA annual contribution limits are higher than those for traditional IRAs.

Employers, not employees, can make contributions to SEP IRAs. Employees manage the investment decisions of their SEP IRAs within the limits set up by the plan’s trustee.

Solo 401(k)

A solo 401(k) is an individual 401(k) designed for a business owner with no employees. IRS rules prohibit contributions to a solo 401(k) if you have full-time employees, but you can use the plan to cover yourself and your spouse.


A SIMPLE (Savings Incentive Match Plan for Employees) IRA is a retirement savings plan available to most small businesses with 100 or fewer employees.

SIMPLE IRAs require minimal paperwork. Setup and maintenance costs are low, and employers get a tax deduction for contributions they make for employees.

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