Reminder: Please submit your annual investment valuation updates. Some updates can be completed directly through our Customer Portal.

Forge Trust will be closed November 27-28, in observance of the Thanksgiving Holiday. We will reopen on Monday, December 1, at 8:00 AM Central Time.

Reminder: Submit your 2025 Required Minimum Distribution (RMD) request by December 1, 2025, to avoid delays!

Reminder: Please submit your annual investment valuation updates. Some updates can be completed directly through our Customer Portal.

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Traditional IRA

With a Traditional IRA, you make contributions with money you may be able to deduct on your tax return. Any investment gains grow tax-deferred until you withdraw them in retirement.

Plan Benefits:

Is this retirement account right for you?

Contributions are tax deductible

Penalty-free withdrawals after age 59 1/2

No earned income limits on participation

Contributions are protected from creditors

Can be paired with other retirement plans

Eligibility:

For 2020 or later, available with no age limit to individuals.
Must have earned income

2024 & 2025 Contributions:

Contributions may be tax deductible with a maximum contribution of $7,000 ($8,000 if age 50 or older) for 2024 and 2025.
For 2020 or later, there is no age limit on making regular contributions

Investment Returns or Gains:

Investment returns or gains can grow tax deferred

Funding Your Account:

Contribute earned income
Rollover funds from a 401(k)
Transfer an IRA

Withdrawals:

After age 59 1/2 withdrawals are penalty-free, but taxed as current income
10% early withdrawal penalty may apply for withdrawals taken prior to age 59½
Required Minimum Distributions (RMDs) start at age 73 (as of 2023)
Hardship distributions for immediate and heavy financial need. Money is taxed to the participant and not paid back to the borrower’s account.

Plan Benefits:

Contributions are tax deductible

Penalty-free withdrawals after age 59 1/2

No earned income limits on participation

Contributions are protected from creditors

Can be paired with other retirement plans

Is this retirement account right for you?

Eligibility:

For 2020 or later, available with no age limit to individuals.
Must have earned income

2024 & 2025 Contributions:

Contributions may be tax deductible with a maximum contribution of $7,000 ($8,000 if age 50 or older) for 2024 and 2025.
For 2020 or later, there is no age limit on making regular contributions

Investment Returns or Gains:

Investment returns or gains can grow tax deferred

Funding Your Account:

Contribute earned income
Rollover funds from a 401(k)
Transfer an IRA

Withdrawals:

After age 59 1/2 withdrawals are penalty-free, but taxed as current income
10% early withdrawal penalty may apply for withdrawals taken prior to age 59½
Required Minimum Distributions (RMDs) start at age 73 (as of 2023)
Hardship distributions for immediate and heavy financial need. Money is taxed to the participant and not paid back to the borrower’s account.