Self-Directed IRAs
More investment options. More control over your retirement strategy. Exeter Trust Company provides self-directed retirement accounts for investors who want to hold alternative investments beyond traditional publicly traded securities.
Speak With a SpecialistBuild a retirement account around more than stocks and bonds.
Expand the Possibilities for Your Retirement Account
Self-directed IRAs give investors and their advisors greater flexibility to select investments that may not be available through conventional IRA custodians.
More Investment Choice
Hold qualifying alternative investments beyond traditional public securities.
Investor Directed
You select the investments and direct Exeter as custodian to process the transaction.
Regulated Custodian
Exeter Trust Company is licensed, regulated and audited by the Wyoming Division of Banking.
Alternative Assets
Build a retirement strategy that can extend beyond stocks, bonds and mutual funds.
What Is a Self-Directed IRA?
A self-directed IRA is a retirement account that gives the account owner greater flexibility in selecting investments. Unlike many conventional custodians that limit accounts primarily to publicly traded securities, a directed custodian can administer qualifying non-traditional and alternative investments.
You or your authorized advisor identify and evaluate the investments. Exeter Trust Company serves as the directed custodian, processing and holding the assets within the retirement account.
Your retirement account. More investment flexibility.
Self-direction can provide access to investments that traditional custodians may not administer, giving you greater control over how your retirement assets are allocated.
Choose the Retirement Account That Fits Your Strategy
Exeter Trust Company administers a range of self-directed IRA structures as well as Individual 401(k) plans.
Traditional & Rollover IRAs
Traditional IRA, Traditional IRA for Kids, Rollover IRA and Inherited IRA account options.
Roth IRAs
Roth IRA, Roth IRA for Kids and Roth Conversion IRA account structures.
Employer & Self-Employed Plans
SEP-IRA, SIMPLE IRA and Individual 401(k), often referred to as a Solo-K or single-participant 401(k).
Go Beyond Traditional Publicly Traded Investments
A self-directed account can provide access to qualifying non-traditional investments that many conventional retirement custodians do not administer.
Real Estate
Direct real estate and other qualifying real estate-related investments.
Private Funds
Qualifying private investment funds and privately offered investment structures.
Private Companies
Qualifying privately held company investments, subject to applicable retirement account rules.
Other Alternatives
Additional qualifying alternative assets that Exeter Trust Company is able to custody and administer.
Three Common Ways to Fund a Self-Directed IRA
Depending on the account and your circumstances, a self-directed retirement account may be funded through contributions, transfers or rollovers.
Annual Contribution
Make eligible annual contributions directly to the self-directed retirement account, subject to applicable contribution rules and limits.
IRA-to-IRA Transfer
Transfer assets directly from the current IRA custodian to Exeter Trust Company without the assets passing through you.
Rollover
Move eligible retirement assets from another IRA or qualified employer retirement plan using the appropriate rollover structure.
A Custodian Built for Self-Directed Investors
Exeter combines alternative-asset administration experience with direct custody through a regulated trust company.
Direct Custodian
Work directly with Exeter Trust Company rather than relying on a third-party administrator between you and the custodian.
Alternative Asset Experience
Experience processing, holding and administering a range of non-traditional investments.
Competitive Fees
A straightforward custody model designed to provide strong value for self-directed retirement investors.
Licensed & Regulated
Exeter Trust Company is licensed, regulated and audited by the Wyoming Division of Banking.
Not Every Investment Is Permitted
Self-directed retirement accounts provide greater investment flexibility, but they remain subject to federal tax rules. Certain assets are prohibited from retirement accounts, and transactions involving disqualified persons or improper personal benefit can create significant tax consequences.
Investors should work with their own legal, tax, investment and financial advisors before completing a transaction.
Examples identified by the U.S. Tax Code include:
Understand the Responsibilities and Risks
Client-Directed Accounts
Clients are responsible for evaluating and selecting investments. Exeter Trust Company does not provide, offer, sell, recommend or endorse investments, sponsors or financial advisors.
Not Guaranteed or Insured
Investments held in self-directed retirement accounts are not guaranteed or insured by the FDIC, any government or regulatory agency, or Exeter Trust Company.
Investment Risk
Investments may result in loss of principal. Clients and their advisors should thoroughly research and understand the risks associated with an investment before proceeding.
Talk With a Self-Directed IRA Specialist.
Learn how Exeter Trust Company can help you establish, transfer or fund a self-directed retirement account and administer qualifying alternative investments.