EntrustCAMA Self-Directed Individual(k) Plan

Take Advantage of Accelerated Contribution Limits with Enhanced Flexibility

The Individual(k) Plan is a defined contribution plan for businesses that employ only the owners, their spouses, and partners. In some plans, including 401(k)s, business owners can make both employer and employee contributions. The Individual(k) is offered both with and without a Roth option, which permits after-tax contributions to the account.

If you currently have an Individual(k) and wish to self-direct your funds into non-traditional investments, you can easily move the funds to Entrust utilizing our Outsourced model.

Should You Consider an EntrustCAMA Self-Directed Individual(k)?

• You are a sole proprietor with no employees other than your spouse or partner(s) whose only employees are self-employed partners and their spouses. The administrator of the plan is simply the business owner, their spouse or a partner. However, a designated third party works as well.
• You are looking for the largest potential contribution for a business without employees.
• You want the capability of borrowing from your plan.
• You want to purchase leveraged real estate in your plan and wish to avoid UBIT (Unrelated Business Income Tax).

Individual(k) Contribution Limits:

Contact an EntrustCAMA professional to establish a self-directed Individual(k)

or open an account online today.

Which EntrustCAMA Self-Directed Individual(k) Should You Choose?

There are several different alternatives, depending on your needs:

1. EntrustCAMA Self-Directed Traditional or “Full Service” model

• Entrust provides the required documents to establish the plan.
• Entrust provides the record-keeping services on your self-directed investments.

• This option is only available with the Individual(k) plan.

2. EntrustCAMA Self-Directed “Do Your Own” Service Model

• Entrust provides you the required documents to establish the plan.
• You perform your own investment record-keeping.

• This option is only available with the Individual(k) plan.

3. EntrustCAMA Self-Directed “Outsourced” Service Model

• You have an approved plan documents.
• Entrust provides the required record keeping on self-directed investments.
  
• This option is available with plan types such as Traditional 401(k), Roth 401(k), Profit Sharing Plans, Employer Stock Ownership Plans and the like.

Consult with your CPA or investment advisor to determine whether these plans could work for you. And if you’ve decided to establish a self-directed Individual(k), contact EntrustCAMA to establish your account and self-direct your funds.