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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."

  • Why Entrust
  • Mission & Values
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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
  • Roth IRA

Roth IRA Contribution Limits

  • Traditional IRA
  • Roth IRA
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  • HSA
  • ESA
  • Chart (PDF)
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Roth IRA Contribution Deadlines

  • Tax-year 2020 deadline is April 15th, 2021
  • Tax-year 2021 deadline is April 15th, 2022
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Roth IRA Conversion Deadlines

  • 2020 Traditional IRA to Roth IRA conversion deadline is December 31st, 2020
  • 2021 Traditional IRA to Roth IRA conversion deadline is December 31st, 2021
Roth IRA Contribution Limits
  2020 2021
Up to age 50 $6,000 $6,000
Catch-Up Contributions Age 50+  $1,000 $1,000
Total Contribution if Over the Age of 50  $7,000 $7,000
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Eligibility for Roth IRA

  • The account holder must have taxable earned income.
  • Unlike Traditional IRA requirements, a Roth IRA  does not have any age limits for contributions.
  • There are income limits that determine eligibility. Check out the Roth IRA Contribution Limits MAGI Phase-Out Ranges in the table below.
Take control of your own financial future

Other Important Information

  • The account must be established before the tax deadline for the year that the contribution applies.
  • The IRA contribution limits do not apply to transfers or rollovers.
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Conversion - Funding a Roth IRA Beyond Normal Limits

If contributing directly to a Roth IRA for the year is restricted because of your income, you can still fund a Roth by converting any portion of your Traditional IRA to a Roth IRA. 

  • You will need to pay taxes on any money in your Traditional IRA that hasn’t already been taxed. Carefully calculate the tax implications of a Roth IRA conversion before you decide. Contact us for more information on this topic.
Roth IRA Contribution Limits MAGI Phase-Out Ranges
  2020 2021
Single Individuals $124,000 to $139,000 $125,000 to $140,000
Married, Filing a Joint Tax Return  $196,000 to $206,000 $198,000 to $208,000
Married, Filing Separate Tax Returns 

$0
to $10,000

$0
to $10,000

IRA Contribution Limits FAQs

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

 
Take Me There
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555 12th Street, Suite 900, Oakland, CA 94607
TEG@theentrustgroup.com
The Entrust Group is a BBB Accredited Financial Service in Oakland, CA
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