Your Forge Trust Customer Portal has a new and improved valuation tool to make maintaining your Self-Directed IRA easier than ever.

Forge Trust has improved the valuations experience with notification and guidance message inside your customer portal on Forgetrust.com.

Outstanding fees can be paid with your debit/credit card in our online payment portal.

Forge Trust has new Banking Information that can be found on our Delivery Information Page. Please notify any 3rd party making payments to your IRA (i.e. Issuers, Borrowers, Renters, etc.) of these new deposit instructions.

Forge Trust has a new Physical and Mailing address which can be located on our Contact Us Page or our Delivery Information Form.

Attention Forge Trust customer a friendly reminder that our banking partner is Tri-Counties bank, their information can be found in our Forms page on Forgetrust.com

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Your Forge Trust Customer Portal has a new and improved valuation tool to make maintaining your Self-Directed IRA easier than ever.

Forge Trust has improved the valuations experience with notification and guidance message inside your customer portal on Forgetrust.com.

Outstanding fees can be paid with your debit/credit card in our online payment portal.

Forge Trust has new Banking Information that can be found on our Delivery Information Page. Please notify any 3rd party making payments to your IRA (i.e. Issuers, Borrowers, Renters, etc.) of these new deposit instructions.

Forge Trust has a new Physical and Mailing address which can be located on our Contact Us Page or our Delivery Information Form.

Attention Forge Trust customer a friendly reminder that our banking partner is Tri-Counties bank, their information can be found in our Forms page on Forgetrust.com

Individual 401(k)

An Individual 401(k) or Solo 401(k) plan allows individuals from owner-only businesses and partnerships to set aside money in a tax-advantaged retirement account for themselves.

Key Advantages:

Is this retirement account right for you?

Easy to set up and maintain

Potentially higher contribution limits than a SEP IRA

More flexibility than other plans - may take personal loans, invest in collectibles, avoid UDFI, avoid UBIT on leveraged tax properties

Eligibility:

  • Available to self-employed individuals or business owners with no employees other than a spouse
  • Includes sole proprietors, partnerships, C corporations, S corporations with no full time employees
  • Plan document must accompany application

Funding Your Account:

  • The business owner is both employee and employer and can fund in both capacities; employee deferral and employer contribution

Withdrawals:

Withdrawals:

  • Without penalty, anytime after age 59 1/2, become permanently disabled, or are unable to work.
  • Withdrawals are taxed at an individual's current income tax rate
  • Required Minimum Distributions (RMDs) start at age 72 (as of 2020)

2023 Contributions:

  • Up to $22,500 in salary deferral; $30,000 if age 50 or older; plus employer may contribute up to 25% of compensation to a maximum of $66,000 for 2023, not including catch-up contributions.

Administrative Responsibilities:

  • Annual Form 5500 filing after plan assets exceed $250,000
  • Plan re-statement document every 5 years

Plan Setup Deadline:

  • Establish by December 31 or fiscal year end.

For more information visit IRS One Participant 401(k) Plans

Key Advantages:

Easy to set up and maintain

Potentially higher contribution limits than a SEP IRA

More flexibility than other plans - may take personal loans, invest in collectibles, avoid UDFI, avoid UBIT on leveraged tax properties

Is this retirement account right for you?

Eligibility:

  • Available to self-employed individuals or business owners with no employees other than a spouse
  • Includes sole proprietors, partnerships, C corporations, S corporations with no full time employees
  • Plan document must accompany application

Funding Your Account:

  • The business owner is both employee and employer and can fund in both capacities; employee deferral and employer contribution

Withdrawals:

Withdrawals:

  • Without penalty, anytime after age 59 1/2, become permanently disabled, or are unable to work.
  • Withdrawals are taxed at an individual's current income tax rate
  • Required Minimum Distributions (RMDs) start at age 72 (as of 2020)

2023 Contributions:

  • Up to $22,500 in salary deferral; $30,000 if age 50 or older; plus employer may contribute up to 25% of compensation to a maximum of $66,000 for 2023, not including catch-up contributions.

Administrative Responsibilities:

  • Annual Form 5500 filing after plan assets exceed $250,000
  • Plan re-statement document every 5 years

Plan Setup Deadline:

  • Establish by December 31 or fiscal year end.

For more information visit IRS One Participant 401(k) Plans

IRS Contribution Limits

Each year the IRS reviews and sometimes adjusts how much you can contribute to retirement accounts. See how much you are allowed to contribute by account type.

Open an Individual 401(k) Account

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Important Notice:

We’re moving!

Starting December 12th, Forge Trust will have a new physical AND mailing address. Our new addresses can be found here and is on all our forms. Please use this information when mailing anything to Forge Trust to avoid delays. Mail sent to our previous addresses will temporarily be forwarded.

Forge Trust has new Banking Information that can be found on our Delivery Information Page. Please notify any 3rd party making payments to your IRA (i.e. Issuers, Borrowers, Renters, etc.) of these new deposit instructions.