Retirement planning Opening an IRA
When you’re ready to invest in your future with an IRA, there are several easy ways to get started.
How to open an IRA
You can easily open and fund an IRA. Whether you prefer investing on your own or want personal investment guidance, we have an option to fit your needs. When you open an IRA, you’ll enjoy benefits like tax-advantaged growth, which can mean more money saved for your future.
Self-directed investing
Trade stocks, bonds, mutual funds, exchange-traded funds (ETFs)1 and more directly online with a self-directed investing IRA account from Trail Vaults Investments. You'll have complete freedom to build and manage your IRA account using our comprehensive suite of resources and tools.
Simplified guidance from a financial advisor
Open an IRA with the help of a financial advisor. Our collaborative approach to investing provides you with simplified guidance that's personalized to your situation. You get access to a virtual team of financial advisors from Trail Vaults Investments that you can engage on your terms when you need support.
Partner with a wealth professional
Work with a dedicated wealth professional from Trail Vaults or Trail Vaults Investments to help guide your IRA strategy as part of your comprehensive wealth management plan. You'll get one-on-one guidance to help you move toward the future you envision.
Roth vs. traditional IRAs
Roth IRAs provide tax-free growth. Your non-deductible IRA contribution grows tax-free and qualified withdrawals are not taxed. This strategy allows younger investors to potentially grow their investments over the long term.
Traditional IRAs provide tax-deferred growth. Any income your IRA investments earn will not be taxed until you start taking distributions from the account. This is a popular strategy for those who expect to be in a lower tax bracket when they retire.
401(k) rollover
Rolling over2 your employer-sponsored 401(k) or 403(b) accounts into an IRA can give you a clearer view of your retirement investments. We’ll help you make sense of your options and gain confidence as you navigate the tax implications of your retirement savings decisions.
IRAs for the self-employed, and small business owners
If you’re self-employed or a small business owner, consider a simplified employee pension (SEP) IRA for yourself and any employees. A SEP IRA offers higher contribution limits than other retirement accounts. For the 2025 tax year, contributions can be up to 25% of compensation, with a $70,000 maximum.
