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Retirement Accounts
Inherited IRA Traditional	A Inherited IRA Traditional is established by a beneficiary of a Traditional, Rollover, Roth, SEP or SIMPLE IRA to receive his or her inherited IRA assets. The Inherited IRA Traditional allows the beneficiary to keep the inherited IRA Traditional assets tax-deferred until they are distributed according to the IRS regulations	Download your application online and submit by mail or fax
Inherited IRA Roth	A Inherited IRA Roth is established by a beneficiary of a Traditional, Rollover, Roth, SEP or SIMPLE IRA to receive his or her inherited IRA assets. The Inherited IRA Roth allows the beneficiary to keep the inherited IRA Roth assets tax-deferred until they are distributed according to the IRS regulations	Download your application online and submit by mail or fax
Guardian IRA	A Guardian IRA account is established to allow working minors to begin saving for retirement before the age of 18. If a minor has earned income reportable on a W-2 then s/he can save up to the standard IRA contribution maximum or 100% of his or her salary, whichever is lower. The minor must have a legal guardian to take ownership of the account until s/he reaches the age of majority. A Guardian IRA is also applicable to a handicapped person with earning but who is unable to handle finances.	Download your application online and submit by mail or fax
Rollover IRA	A Rollover IRA is established to transfer money from an employer sponsored plan. The account is tax-deferred and participants will be taxed on their savings when the funds are distributed.	Download your application online and submit by mail or fax
Roth IRA	Contributions to a Roth IRA are not tax deductible and therefore the qualified disbursement(s) including earnings are free from federal taxes. Contributions may be eligible for a tax credit.	Download your application online and submit by mail or fax
Roth Conversion IRA	A Roth Conversion IRA offers the same benefits of a Roth IRA. However, the original source of funds must have been a Traditional or Rollover IRA.	Download your application online and submit by mail or fax
Spousal IRA	A Spousal IRA is established for a non-working spouse and is funded by the working spouse.	Download your application online and submit by mail or fax
Traditional IRA	A Traditional IRA brokerage account is established to build tax deferred savings. Traditional IRAs will be taxed on their savings when the funds are distributed. Contributions may be tax deductible or eligible for a tax credit.	Download your application online and submit by mail or fax

Personal Accounts
Custodial	A custodial account is established by a custodian on behalf of a minor under the Uniform Gifts (or Transfers) to Minors Act (UGMA/UTMA) in your state. The minor is the owner of the account while the custodian directs and manages all investments until the minor reaches the age of majority. The minor is not eligible to trade in the account. Custodial accounts cannot trade on margin. The minor is the sole owner and is the designated party for payment of taxes on any income generated from the account. Different tax consequences may apply to minors under the age of 14. All gifts under this act are irrevocable.	Download your application online and submit by mail or fax
Individual	An individual account is established by one person who has sole ownership of the account.	Download your application online and submit by mail or fax
Joint	A joint account is established by two people who share responsibility for the account. The two most common types of joint ownership are (1) joint tenants with rights of survivorship (JTWROS) and (2) tenants in common. In the JTWROS account, if one party dies the survivor assumes ownership of the entire account. In the tenants in common account, if one party dies, the ownership of the deceased's portion of the account transfers to his or her estate. Some states may require one type of joint account over the other.	Download your application online and submit by mail or fax



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