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What is a Traditional IRA?

A Traditional IRA is an Individual Retirement Arrangement, more commonly known as an Individual Retirement Account, which allows individuals to put aside tax-deferred money for retirement. Eligible contributions are made from pretax dollars, meaning they are tax-deductible, and any interest, capital gains, or dividend income from the original funds will grow tax-deferred upon withdrawal. 

With an Entrust self-directed Traditional IRA, an individual may have the ability to direct their funds towards a wide variety of investments, including alternatives like real estate and precious metals.

Traditional IRA Eligibility Requirements

An individual can open and make contributions to a Traditional IRA if both of the following requirements are met:                             

  1. Taxable compensation has been received during the year.                                                              
  2. 70 1/2 years of age has not been reached by the end of the year.

If an individual and their spouse have received compensation during the year, and have not reached 70 1/2 years of age, an IRA may be established for each.  However, if filing a joint tax return, only one spouse is required to receive compensation and is allowed to contribute on behalf of the other spouse.

Self-Directed Traditional IRAs

A self-directed account is different than a standard account because it allows you to have more investment freedom.  Self-directed IRAs offer the unique opportunity to hold alternative assets, such as real estate, precious metals, and more.  

If your current Traditional IRA does not allow self-direction, you can easily transfer funds to an Entrust self-directed Traditional IRA and gain access to a wide range of alternative investments, from real estate and gold to private stock and small business. You may also convert a 401(k) with a former employer to a self-directed Traditional IRA. Contact us today to get started. 


How to determine if an Entrust self-directed Traditional IRA is the right retirement plan for you:

  • Do you want to make tax-deductible contributions to a retirement account?
  • Do you want to supplement the retirement saving options offered by your employer?
  • Is your income within the income limits for contributing?
  • Do you want the freedom to invest in what you know, whether it's stocks and bonds or real estate?
  • Do you want to diversify your retirement portfolio with alternative investments?


If you answered 'yes' to all or most of these questions, a self-directed Traditional IRA may be a good choice for you.

2015 Traditional IRA Contribution Limits

For 2015, the maximum contribution allowed to a Traditional IRA is $5,500.  If you are over the age of 50, you may contribute an additional $1,000 for a total of $6,500.

Visit our Learning Center Resources for up-to-date information on IRA contribution limits.


IRA Consultation

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