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Self-Directed IRAs

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What is a SDIRA?

Learning Center

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Learning Center Overview

Access the largest knowledge base for Self-Directed IRAs. Expand your investor knowledge with articles, whitepapers, practical guides and tons of other educational resources.

About Entrust

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What We Do

For 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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Bolster Your Retirement Portfolio with IRA Contributions

One of the key components of any successful retirement portfolio is time. 

By regularly contributing to their tax-preferred accounts, self-directed IRA (SDIRA) holders may steadily boost their investing power over the years.

What is an IRA Contribution?

An IRA contribution is a deposit of funds into the tax-advantaged holdings of an IRA. These deposits are capped on an annual basis, depending on your income, marital status, and participation in an employer-sponsored retirement plan.

Given the relatively modest nature of IRA contribution limits, making regular contributions is a vital part of building up your retirement portfolio.

Do you want to move funds from an old IRA or 401(k) into an SDIRA? You’ll need to initiate a transfer or rollover.

How to Fund Your IRA with a Contribution

Before making an IRA contribution, check the current annual limits to ensure you’re eligible to contribute. Once you’re sure you’re able to make a contribution, follow these steps to continue funding your SDIRA:

1.

Send Funds to Entrust

    For ACH or wire transfers:
  • Log into the Entrust Client Portal.
  •  Scroll down to “Quick Links” and access our Delivery Instructions.
  • Follow your bank's instructions for the transfer.
    For checks:
  • Prepare a check payable to The Entrust Group.
  • Include your Entrust account number and contribution year in the memo.

2.

Submit a Contribution Request

    Via the Entrust Client Portal:
  • Navigate to "Fund Account" in the portal's "Quick Links."
  • Choose the account you’d like to fund and select "Contribution."
  • Enter the contribution details, including the contribution year, amount, and deposit method.
  • Provide the sender’s name (typically yourself) and submit the request.
  • Once we’ve received the funds, we will deposit them into your SDIRA and send you a confirmation of the transaction.
    Via the Paper Form:
  • Go to our Forms page and download our Deposit Coupon.
  • Fill out the Deposit Coupon and submit to Entrust using one of the following methods:

    Mail: The Entrust Group, 555 12th Street, Suite 900, Oakland, CA 94607

    Fax: (510) 587-0960

    Email: forms@TheEntrustGroup.com

3.

Diversify Your Portfolio with Your SDIRA

  • Now that you've made your contribution, it's time to leverage the expanded investment opportunities available to you. Discover the potential of real estate, private equity, and precious metals to diversify your retirement portfolio.
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Have questions about IRA contributions? Contact Us.

Frequently Asked Questions

What are the contribution limits for traditional and Roth IRAs?

Anyone with earned income can contribute to an IRA. However, individuals must have earned income equal to or greater than the amount they contribute to an IRA. Additionally, there are income limits for making contributions to a Roth IRA and limits for deducting contributions to traditional IRAs if you or your spouse are covered by a retirement plan at work.

Are traditional IRA contributions tax-deductible?

Anyone with earned income can contribute to an IRA. However, individuals must have earned income equal to or greater than the amount they contribute to an IRA. Additionally, there are income limits for making contributions to a Roth IRA and limits for deducting contributions to traditional IRAs if you or your spouse are covered by a retirement plan at work.

Can anyone contribute to an IRA?

Anyone with earned income can contribute to an IRA. However, individuals must have earned income equal to or greater than the amount they contribute to an IRA. Additionally, there are income limits for making contributions to a Roth IRA and limits for deducting contributions to traditional IRAs if you or your spouse are covered by a retirement plan at work.

What is the deadline for making IRA contributions?

Anyone with earned income can contribute to an IRA. However, individuals must have earned income equal to or greater than the amount they contribute to an IRA. Additionally, there are income limits for making contributions to a Roth IRA and limits for deducting contributions to traditional IRAs if you or your spouse are covered by a retirement plan at work.

Is there any way to contribute more to my IRA?

Anyone with earned income can contribute to an IRA. However, individuals must have earned income equal to or greater than the amount they contribute to an IRA. Additionally, there are income limits for making contributions to a Roth IRA and limits for deducting contributions to traditional IRAs if you or your spouse are covered by a retirement plan at work.

Can I contribute to an IRA if I'm covered by a retirement plan at work?

Anyone with earned income can contribute to an IRA. However, individuals must have earned income equal to or greater than the amount they contribute to an IRA. Additionally, there are income limits for making contributions to a Roth IRA and limits for deducting contributions to traditional IRAs if you or your spouse are covered by a retirement plan at work.

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