Thank You for Being
an Equity Trust Client

You can fund your account in three ways: contributions, rollovers and transfers.

• Contributions can come directly from your bank account, or you can have your employer set up a direct deposit to your IRA. There is a limit on contributions at $6000 a year.
• Rollovers are client-initiated transactions from an existing 401(k) retirement plan to a new IRA or 401(k). The timeline for rollovers is dependent on the institution that holds your retirement plan.
• Transfers come from an existing IRA account that you hold at another custodian. To do a transfer you would need to fill out a Equity Trust transfer form with your current custodian information. You will upload that transfer request along with a statement from your current custodian to your Equity Trust account. From there, we complete the paperwork and work directly to your other custodian. Depending on the custodian, transfers can take anywhere from 3-10 business days. Transferring of assets (a piece of real estate that you own, for example) can take longer to finalize.

All this can be done through your Client Portal.

Rollovers are typically done between different types of retirement accounts. (i.e., IRA to 401(k)). Movements between like-kind accounts (i.e., IRA to IRA) are done as transfers. To roll funds over to another retirement account, we will need our distribution form completed and a signed letter of acceptance from the receiving plan/custodian. The difference between rollovers and transfers are the tax forms generated. Rollovers generate a 1099-R and typically a 5498.

Transfers are requested when you are moving funds and investments between like-kind retirement accounts. (i.e., Traditional IRA to Traditional IRA). To transfer funds to another IRA custodian, you will need to contact the receiving custodian and complete their required transfer paperwork. You will need to return the transfer paperwork to the custodian for them to sign. They will forward the completed paperwork to us for processing. The receiving custodian may require a recent statement of your account. You can pull this from your Client Portal under the documents tab.

The information they will likely ask for on the transfer form includes:

• Current Custodian: Equity Trust Company
• Account Number: Please use your seven digit account number
• Overnight Address: 15671 San Carlos Blvd, Suite 101, Fort Myers, FL 33908
• Mailing Address: PO Box 07520, Fort Myers, FL 33919
• Phone Number: (239) 333-1032
• Fax Number: (239) 466-5496

You can let the receiving custodian know they can fax the transfer form over to us as we do not need originals and do not require a medallion signature guarantee.

You can invite a third party to send funds to your account through your Client Portal by clicking “Invite Payer” for the related holding. This action will send them an email to our Payment Portal site, enabling them to make a one-time payment or establish recurring payments to your IRA. We also offer the Equity Pay app in the Apple and Google Play stores. Your tenants or borrowers can download the app and select your investment. They can set up one-time or recurring payments directly to your account.

You may request a distribution by logging onto your Client Portal and following the instructions below.

1. Go to "Request IRA Distribution" from the home screen once you are logged in.
2. Use the drop-down menu to select either "Partial Distribution," "All Available Funds," or "Full Distribution: Close Account."
3. Enter the Total Distribution Amount.
4. Use the drop-down menu to select whether you elect to have Federal Income Tax withheld.
5. Choose a Delivery Method and enter the Delivery Instructions.
6. Choose a Frequency (one-time or recurring).
7. Once you have entered the distribution request, click on the "Next Page to Confirm" button at the bottom of the page.
8. Review the summary page to ensure you have entered all of the appropriate details.
9. Lastly, submit your request by clicking "Submit Request" at the bottom of the confirmation page.

After submitting the request, it will immediately be sent to us for processing. Please allow up to three business days for review.

Depending on the characteristics of your distribution request, you may be getting a call from one of our distribution associates to verbally confirm the details of your distribution.

Alternatively, you can send us a distribution request by paper form via email, fax, or mail; however, there is a fee for us to process the request per distribution.

You can use your Client Portal to move money into your account via contribution, rollover, or transfer. And you can  initiate sending funds from your account for bill pays, distributions, and investments through the portal as well.

Submitting a bill payment is easy using your Client Portal.

Click here for instructions to pay your bill online.