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Self-Directed IRAs

  • What is a SDIRA?
  • How Does Entrust Help?
  • How Do I Start?

Individual Plans

  • Traditional IRA
  • Roth IRA
  • HSA & ESA

Small Business Plans

  • SEP IRA
  • SIMPLE IRA
  • Individual 401(k)

Self-Directed IRA Rules

  • IRA Contribution Limits
  • Fair Market Valuation
  • Disqualified Persons & Prohibited Transactions
  • Distributions

Funding Your IRA

  • IRA Transfer
  • IRA Rollover
  • IRA Contribution

Investment Options

A Self-Directed IRA gives you the opportunity to make investment decisions in areas based on your knowledge and expertise. From real estate to private lending, you can choose from a wide variety of different types of investments allowed. 

Real Estate

  • Why Real Estate IRA?
  • Types of Real Estate IRAs
  • Funding Your Real Estate Purchase
  • Investment Strategies
  • myDirection Visa Card

Precious Metals

  • Why Precious Metals?
  • Parties Involved
  • Dealers
  • Domestic Depository Options
  • Metals Allowed
  • Process

Private Placements

  • Checkbook Control

Other Alternatives

  • Energy, Gas, Oil
  • Mortgage Notes

Professionals

Stand out from the competition by offering your audience a way to diversify their portfolios.

Real Estate
Professionals

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About Entrust

"For almost 40 years, The Entrust Group has provided account administration services for self-directed retirement and tax-advantaged plans. Entrust can assist you in purchasing alternative investments with your retirement funds, and administer the buying and selling of assets that are typically unavailable through banks and brokerage firms."

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The Entrust Group is a BBB Accredited Financial Service in Oakland, CA
  • Self-Directed IRAs
  • Self-Directed IRA Rules
  • Contribution Limits
  • Education Savings Account (ESA)

Education Savings Account (ESA) Contribution Limits

  • Traditional IRA
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  • Chart (PDF)
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ESA Contribution Deadlines

  • Tax-year 2018 deadline is April 15th, 2019
  • Tax-year 2019 deadline is April 15th, 2020
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ESA Information

A Coverdell Education Savings Account (ESA) is a way to save for your child’s education. Contributions to an ESA are not tax deductible, but the earnings grow tax-deferred and will be tax-free if used for education.

Education Savings Account (ESA) Contribution Limits
  2019 2020
Per year until the child is age 18 unless the child has special needs. $2,000 $2,000
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Eligibility for ESAs

  • Any adult or entity can establish an Education Savings Account (ESA) for any child below the age of 18.

  • Age exceptions apply for special needs beneficiaries.

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Other Important Information

  • The beneficiary does not have to be related to the individual(s) who open the account or make annual contributions to the account.
  • Contributions must be made in cash but you are not required to contribute every year.
  • Funds can be transferred to any eligible family member below the age of 30.
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Education Savings Account (ESA) - IRS Limitations

There are limits to who may contribute to a Coverdell ESA. Your eligibility is based on your modified adjusted gross income (MAGI) and tax filing status.

Single filers can contribute to a Coverdell account if their MAGI for the year is less than $110,000. For married couples filing a joint return, the MAGI threshold is $220,000. A trust or corporation can also make contributions to a Coverdell account on behalf of an eligible student. The income limits don’t apply to organizations making ESA contributions.  

Frequently Asked Questions

What is an ESA?

Coverdell Education Savings Accounts (ESA) are tax deferred trust accounts. They are designed to help families paying for educational expenses for beneficiaries who must be 18 years of age or younger when the ESA is established.

What are the eligibility requirements to open an ESA?

Any adult may establish an ESA for a child who is 18 years old or younger.  The beneficiary does not need to be related to the individual who opened the account.  Age exceptions do apply for those beneficiaries with special needs.

How much can I contribute to an ESA?

Eligible beneficiaries are able to receive up to $2,000 per year until they reach the age of 18, unless the beneficiary has special needs.

IRA Contribution Limits FAQs

Learn the answers to the most asked questions on the topic of contribution limits

 
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