Individual Retirement Accounts

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Since they were established in 1974, there have been significant changes to the rules governing IRA’s, including the creation of new and different types of IRA’s. Annual contribution limits have also been significantly raised over the years.

Counsel Trust offers all types of IRA’s such as Rollover IRA’s, Traditional and Roth IRA’s, SEP and Simple IRA’s and Inherited IRA’s. Rollover IRA’s can accept distributions from 401(k) plans, 403(b) plans, pensions and other qualified retirement plans to provide individualized investment management and ensure continued compounding tax deferral of your savings.

Counsel Trust’s IRA services can assist you in transferring an existing IRA or consolidating multiple IRA’s to improve the investment process and achieve cost and management efficiencies.

We can also assist in calculating and explaining the required minimum distribution (RMD) rules and establishing a customized IRA distribution plan at retirement.

Enormous wealth is being built up in employee benefit plans, typically rolled over to IRA’s at retirement. Naming the right IRA beneficiary in the best way is thus becoming an imperative element in a solidly drafted estate plan. Inherited IRA’s, designating a trust as beneficiary containing particular instructions for continued investment management and asset distribution is often a superior way to transfer wealth in the most tax-efficient manner.

Individual Retirement Accounts

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