Our Services

An Individual Retirement Account (IRA) is one of the best ways to build wealth and save for retirement. IRAs are tax-deferred vehicles established by Congress to encourage people to save for retirement so that they would not have to rely on Social Security benefits or employer retirement plans as their sole source of retirement income. Trust Management, Inc., ("TMI") specializes in the administration of self-directed retirement plans, including IRAs (both Traditional and Roth), SEP-IRAs, and Simple IRAs. We administer and keep the records for thousands of clients throughout the United States with self-directed retirement plans holding diversified investments such as Non-Profit Bonds, Private Placements, Limited Partnerships, Stocks, Mutual Funds, Corporate Notes and Bonds and most other legally permitted assets A TRUST MANAGEMENT SELF-DIRECTED IRA provides you with the opportunity to make the retirement investment decisions which best fit your own retirement plans, so you can sit in the driver's seat where you belong.

For more information about our IRA services or to order an IRA kit, call us at 1-800-580-2933. We can forward our Self-Directed IRA kit directly to you or to your financial advisor. You may also choose to download the Self-Directed IRA kit or order it online. If you have any questions, one of our retirement specialists will answer all of your questions and guide you through the procedures every step of the way.

Most financial service companies who offer their services as custodian for self-directed IRA’s are banks, insurance companies, stock brokers and mutual fund companies who are in the business to sell you investment advice and their investment products, and in some cases they limit your investments to only the products they sell. Trust Management does not offer any investment advice or sell investment or insurance services or products. Trust Management will take care of all the administrative requirements for your IRA and we let you do the rest. Because the investment decisions for your TRUST MANAGEMENT SELF-DIRECTED IRA are totally within your control, you can choose or change investments when YOU want. All of your information is maintained by us in strictest confidence, and is not shared with any other party without your authorization.

A Trust Management self-directed IRA allows you to have complete control over your retirement investment decisions. You can diversify and change your investments as often as you choose to optimize your return. Because investment decisions are involved, you have the option to designate your financial advisor as representative on your account if you wish. We believe that you and your financial advisor know the best strategy for investing your retirement savings so that you can reach your retirement goals.

At Trust Management, you have the choice to invest in any public offerings of stocks, bonds, mutual funds, annuities, limited partnerships, certificates of deposit, and government securities - to name a few. We take it one step further by also allowing investments in many nonstandard assets - something most banks, brokerage firms, and other IRA sponsors won’t permit you to do. For those who want to invest their retirement funds in church bonds, stock of closely-held companies, promissory notes, deeds of trust, privately-offered corporate debt or other types of private investment offerings, you can do this through your Trust Management self-directed IRA. For more details, call our IRA Customer Service Department at 1-800-580-2933

Experience the freedom of making your own investment choices and enjoy the convenience of receiving one comprehensive statement of your IRA assets. Whether you wish to diversify your IRA portfolio to include a nonstandard asset or just want to simplify the tracking of your IRA holdings, you can do it with a Trust Management Self-Directed IRA

We encourage you to maximize the potential of your retirement assets as you see fit. This allows you to fully plan and execute your own retirement investments. Whether you choose government bonds, corporate bonds, church bonds, mutual funds, stocks, limited partnerships, or other privately offered investments, you may combine them all in your One TRUST MANAGEMENT SELF-DIRECTED IRA account. You decide when to change or re-direct your investments within your One TRUST MANAGEMENT SELF-DIRECTED IRA account to attain your desired investment mix. You may furnish investment direction directly to Trust Management, or through your authorized broker or financial advisor. You can even direct that the income from one investment be invested in another investment to achieve maximum diversification.

Trust Management, Inc. is a Texas owned and operated independent trust company founded in 1954. Trust Management is regulated by the Texas Department of Banking and is also subject to annual examinations by independent auditors. The company provides personal attention to the record keeping and reporting requirements of the IRS so that you can maximize your ability to control and manage your IRA assets. Trust Management provides the IRS required record keeping services and performs all regulatory reporting, such as 5498, 1099-R, 1098 and 5500's. We also routinely perform rollovers from all qualified plans, as well as qualified plan terminations. Trust Management's experienced personnel are committed to superior service and to serving the needs of our clients. Some of the many benefits of a TRUST MANAGEMENT SELF-DIRECTED IRA include:

· Investment of all funds according to you or your financial planner’s instructions

· Ability to make and change your investment portfolio as often as you choose - all purchases and first six sales per year at no fee

· For your convenience, cash balances automatically earn interest from the day of deposit in an FDIC insured custodial account up to $100,000 at a custodial bank

· Automatic investment of dividends/earnings into another investment of your choice

· Flexible distribution schedule when you need to start withdrawing from your IRA - you choose the day of the month or quarter that best meets your needs.

· Accurate and timely government reporting for your contributions, rollovers, and withdrawals

· Toll-free telephone access to friendly, knowledgeable customer service representatives for your technical or service questions

· Easy to read quarterly statements for you and your designated investment advisor

Please keep in mind that TMI does not give any investment advice and therefore we have no control over the returns on your investment. If you have any type of questions about your investment, please contact your financial planner.

An IRA is one of the best ways to save for retirement because it allows the earnings on your investment to compound on a tax-deferred basis. The two basic types of IRAs are the Traditional IRA and the newer Roth IRA. For a traditional IRA, contributions may or may not be tax-deductible in the year they are made, depending on how much you earn and/or whether you also participate in an employer-sponsored retirement plan. Contributions to a Roth IRA are always on an after-tax basis, but the income and/or withdrawals from both contributions and earnings will be entirely tax-free later on, as long as the account has been open for at least five years. Tax-deferred growth can make a big difference over the years.

Year	Amount	Catch-up(Age 50+over)
2005	$4,000	$500
2006-2007	$4,000	$1,000
2008 and beyond	$5,000	$1,000

Generally you can contribute in the aggregate the lesser of $4,000 or 100% of compensation per year into a traditional IRA. The amount of contribution you may be able to deduct will depend on your adjusted gross income (AGI, or total income less certain adjustments) level and whether you or your spouse is covered by a qualified retirement plan. If you are covered by a qualified retirement plan, the deductibility of your contributions will be subject to the AGI limits set forth below.

Year	Joint Returns (AGI)	Single Returns (AGI)
2005	$70,000-80,000	$50,000-60,000
2006	$75,000-85,000	$50,000-60,000
2007+	$80,000-100,000	$50,000-60,000

A full deduction is allowed for incomes below the first of the two numbers shown. No deduction is allowed for incomes at or above the second number shown. In the range between the numbers, the maximum deductible amount phases out. If you are covered by a qualified retirement plan but your spouse isn't, your spouse is governed by different AGI limits discussed below. Keep in mind that these income levels are subject to change. Check with your tax advisor to be sure you have the most current information.

Generally, traditional IRAs require that ordinary income taxes are due upon withdrawal (except for the return of non-deductible contributions). There may also be penalties for taxable withdrawals before age 591/2. Two new exceptions to the 10% penalty tax include: qualifying educational expenses and up to $10,000 used for the purchase of a first home. Traditional IRAs require withdrawals to begin by April 1 after turning age 701/2, or the taxpayer faces additional penalties.

Generally, you can contribute up to $4,000, per year to a Roth IRA if you have earned income of $4,000 or more and your adjusted gross income does not exceed $150,000 for joint filers or $95,000 for single filers (contributions are phased out between $150,000 and $160,000 for joint filers and $95,000 and $110,000 for single filers.) Any contribution made to a traditional IRA by the same taxpayer reduces the $4,000 available for a Roth IRA contribution, dollar-for-dollar.

The tax appeal of Roth IRAs is the opportunity to receive tax free earnings, provided that the withdrawal of earnings is five taxable years after the establishing the Roth IRA and the withdrawal is made:

Distributions of Roth IRA earnings that do not meet both of these tests are taxable and may be subject to a 10% penalty if under age 591/2. Unlike traditional IRAs, Roth IRAs allow contributions to continue beyond age 701/2, and pre-death minimum distributions are not required while you are alive. Rollovers from one Roth IRA to another are allowed once per year. You can convert your traditional IRA to a Roth IRA if your modified adjusted gross income does not exceed $100,000. Please note: This option is not available to married taxpayers who file separately. The amount rolled over from your traditional IRA (excluding non-deductible contributions) will be included in income. Withdrawals prior to age 591/2 of taxable converted amounts within five taxable years from such conversion will (unless you meet an exemption) be subject to the 10% premature penalty tax.

The following IRA forms are available for download in Adobe Acrobat "pdf" format. To view these files, you may download the free Adobe Acrobat reader by clicking on the icon below.

Note: If you can't download and print the literature available on our site, please fill out our Information Request Form to receive them in the mail, or call 1-800-580-2933 anytime.