How to Invest in What You Know Using a Small Business Retirement Plan

Small Business Plans

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Explore Our Small Business Retirement Plans and Benefit from Greater Tax Advantages and Higher Contribution LimitsAs an investor, you’re always looking to make bigger and better deals. The more deals, the better, right?

A basic self-directed traditional or Roth IRA provides many profitable deal-making advantages, including tax-deferred and tax-free profits. This may not be enough for many investors, especially considering the relatively low contribution limits offered by the traditional and Roth IRA.

Fortunately, Equity Trust offers a number of account options that provide higher contribution limits and larger tax deductions that will satisfy any investor’s need for bigger and better deals.

You May Qualify as a Small BusinessWhether you know it or not, you may be eligible for government-sponsored small business retirement plans such as the SIMPLE, SEP, Solo 401(k) and Roth Solo 401(k). Being an investor often qualifies you as self-employed, a sole proprietor or even as your own small business.

The advantages of a self-directed SIMPLE, SEP, Solo 401(k) and Roth Solo 401(k) plan over a traditional or Roth IRA are clear: higher contribution limits and larger tax-deductions. In addition, you’re able to contribute to both an individual account like a traditional or Roth IRA and a small business plan—truly maximizing the investing power of self-directed retirement accounts.

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An Investment Choice that Takes You a Step Closer to Financial FreedomIt’s important to know the basic facts about each plan before making an investment decision that will impact your future. The following is a brief overview of the SIMPLE, SEP, Solo(k) and Roth Solo(k):

SIMPLE (Savings Incentive Match Plan for Employees)The SIMPLE is an incentive-match plan designed for small businesses with 100 or fewer employees who have earned income of $5,000 or more during the previous calendar year and currently have no other retirement plan. With a SIMPLE IRA, an employer contributes a percent-based salary (1-3%) match to its employees’ SIMPLE IRAs, while the employees make elective salary deferrals.

SEP (Simplified Employee Pension)The SEP allows for contribution amounts of up to 25 percent of your salary. It enables individuals to make contributions toward their own retirement without getting involved in a more complex plan. Any type of business or employer (you, if you’re self-employed or a sole proprietor) is eligible for the SEP. It’s typically designed for business owners who employ 25 or fewer employees.

Solo 401(k)The Solo 401(k) is often the most attractive plan to investors, if they qualify, because it combines elements of the SEP and SIMPLE. This plan is designed for owner-only businesses and spouses. It can be established by both incorporated and unincorporated businesses, sole proprietorships, partnerships and corporations. You can contribute annually through salary deferral, plus a profit-sharing portion of 0-25 percent of your salary.

Roth Solo 401(k)Would you like the same benefits of the Solo(k) but with the tax benefits of Roth-type contributions? Consider the Roth Solo 401(k). The same contribution limits apply as the Solo(k) but you can designate the salary deferral contributions you make as Roth contributions. The portion you contribute as Roth does not qualify for a tax deduction but the profits from these contributions grow tax free, plus all qualified distributions are tax free. The profit-sharing portion (0-25 percent of your salary) of the Roth Solo 401(k) is just like the standard Solo 401(k).

For details on contribution limits and eligibility requirements for each of the account types, visit www.TrustETC.com/contributions. You can also speak with a Senior Account Executive at 855-673-4721.

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Take Control of Your Future with Equity Trust Company’s ServicesThe SIMPLE, SEP, Solo 401(k) and Roth Solo 401(k) offer many advantages for you to save for your future. Even if you already have a traditional IRA or Roth IRA, you can still invest in other plans for your retirement. It’s time to get started with Equity Trust Company so you can take advantage of higher contribution limits and the potential tax advantages.

Equity Trust Company: Providing Education, and CommitmentThe mission of Equity Trust is to help investors take control of their financial future by providing education and a commitment to customer service.

Equity Trust is Your Best Choice…• 40 years of experience in educating clients about self-directed retirement accounts

• Custody of $30 billion in IRA assets

• IRA specialists ready to serve clients

• Low, all-inclusive fee schedule – clients don’t pay fees on every transaction

• An industry-leading online account-management and community portal (www.myEQUITY.com), exclusively for Equity Trust clients

• Online trading through our affiliate, ETC Brokerage Services, member NASD/SIPC

If you’re interested in enrolling in the SIMPLE, SEP, Solo 401(k) or Roth Solo 401(k), or for more information about these plans, please contact a Senior Account Executive at 855-673-4721.

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Is a Self-Directed Retirement Account Right for You?Advantages

• Enhanced portfolio diversification with the potential for low correlation to market conditions

• Greater sense of control over your investment options and retirement savings

• Potential tax advantages including tax-deferred savings, tax-free growth and tax deductions

• The ability to harness the true power of compounding interest since investments are made in a tax-sheltered environment and earnings grow tax-free

• Many accounts provide the ability to pass assets to beneficiaries while reducing taxes

Considerations• You actively choose and manage the investments,

and are solely responsible. As a passive custodian, Equity Trust reviews all documents for administrative feasibility but doesn’t offer advice regarding specific investments.

• You must be aware of all rules, potential tax considerations and responsibilities as a self-directed account holder. It’s advised that you consult with tax and financial professionals before making any investment.

At Equity Trust, we understand that self-directed retirement accounts aren’t for everyone. However, if you’re an investor with strong knowledge in a particular area, a self-directed account may be beneficial to your retirement future.

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1 Equity Way, Westlake, OH 44145855-673-4721

www.TrustETC.com

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