Managed IRA

We have created the American Trust Managed IRA (MIRA) to make saving and investing for retirement much easier. Whether you are a seasoned investor or know nothing about the process, our IRA solution is the right choice for you. The basic premise behind the American Trust Managed IRA is simple. We keep you, the investor, in mind. We provide you with personal, professional assistance and offer choices without confusion. The goal is to provide a simply better and secure retirement for you.

1. Why choose an American Trust Managed IRA (MIRA)?

There are many advantages in choosing the American Trust MIRA. Here's what you should consider:

One-On-One Service

At the time your MIRA is opened, you are assigned a qualified client manager to meet your need, and assist in processing your requests and questions. Your client manager is available toll free at 800.548.2994; there are no complicated prompts or voice-response systems.

Managed Approach to Investing

Our experienced investment professionals assist you in choosing a portfolio that best fits your investment style at no additional cost. Once you select a portfolio, we manage the investments for you, conduct quarterly rebalancing, and make strategic changes to your investments.

No Hidden Fees

You've probably often heard others complain of a low initial cost for a product only to find later that they were charged an abundance of "extra costs" which may not have been disclosed upfront. With the MIRA, there is an annual asset-based fee assessed to your account quarterly. There are no extra costs or hidden fees for any additional services such as statements, processing distributions, or receiving guidance from a financial advisor.

Easy Account Access

You receive hard copy statements detailing your account each quarter. You can also access your account online at americantrustretirement.com where you can easily view your fund balance, investment performance, and other information.

Contributions Made Simple

Making contributions to a MIRA is simple. Whether you bank with American Trust or another financial institution, automatic deductions from your checking or savings account can be established, or you can simply write a check. Traditional or Roth IRA contributions can be made up to the annual IRS maximum depending on your income. You can check the income limits at www.irs.gov. Regular IRA contributions help build a solid balance, leading to a better and more secure retirement. Contributing regularly also takes advantage of dollar-cost averaging which, over time, lowers the overall cost per share.

Tax-Deferred Growth and Compounding

An important benefit of an IRA is avoiding paying taxes as your money earns interest. The interest is compounded, meaning you earn interest on interest. Consult one of our experienced advisors for assistance in developing an investment plan that works for you.

Roll Over Accounts Into One

According to the Bureau of Labor Statistics from January 2010, the average length of time a worker stays with their current employer is 4.4 years. Due to the shorter employee tenure, it is common for individuals to have two or more retirement plans at different institutions. This makes planning for your retirement more challenging. We simplify the process by working with you to roll over all your accounts into one American Trust MIRA.

2. How does the American Trust MIRA work?

Our process is easy and we're here to help.

Analysis

The best solution for your individual retirement begins by reviewing your overall investor profile. Start by completing a short questionnaire or call us directly at 800.548.2994 for assistance.

Recommendations

We take results from your questionnaire and/or the facts we gather in speaking with you to determine which of our investment portfolios will best meet your needs and aid in achieving your retirement goals. Each of our five portfolio options is managed differently. We take into consideration your risk tolerance and time horizon to retirement to make the best recommendation for you.

Open your Account

Opening a MIRA is easy. You complete a few simple forms, which include an account application, investment election, and a W-9 form. An additional form is needed if you choose to set up automatic contributions to your MIRA.

Ongoing Management

Our team of experienced and skilled investment professionals completely manages your account. We make important investment decisions and/or trades in the portfolios for your benefit. Your account is carefully monitored to maximize your return potential.

Client Manager

We are committed to providing you superior, award-winning service. You are assigned a client manager to answer all your requests from a simple address change to a more detailed request such as an investment review.

3. How do I withdraw from my MIRA?

You can access money in an IRA whenever you need to — there are no rules or provisions that prohibit you from accessing your money. However, you may end up paying income tax and an early withdrawal penalty depending on why and when you take money from the account.

Traditional IRAs are tax deferred, meaning you do not pay taxes when the money is invested, but do when money is withdrawn. Roth IRA money is taxed when you invest it, and all money is tax-free once you turn 59½ and have held the Roth IRA for at least five years. While taxes and penalties are certainly consequences to consider when taking a withdrawal from your IRA, you will also want to consider potential loss of earnings and compounding on the money you withdraw.

4. How do I make contributions?

It is easy to contribute to a MIRA. If you bank with American Trust, we can automatically deduct your contribution from your American Trust checking or savings account at a frequency you choose. If you do not bank with us, you can mail us a check. Regular contributions to your MIRA help build a solid retirement balance, and allow you to take advantage of dollar-cost averaging, which lowers your overall cost per share over time.

According to the 2015 Defined Contribution Plan and IRA Limits, you can contribute up to $5,500 or $6,500 if your over age 50 to a Traditional or Roth IRA each year. Your ability to contribute may be affected by your income. You can check the income limits at www.irs.gov.