IRA Retirement Plan Solutions | Retirement Solutions for IRA Plans

TPAs

Advisors

Strategic Partners

Participants/Employees

Plan Sponsors/Employers

Your strategy for taking distributions (withdrawals) from your retirement plan can be as important as how much you deposit and how it's invested This video explains the factors to consider as you develop your plan.

This video describes the reasons an employer should consider offering the Roth 401(k) options, including its attractiveness as an employee benefit and its value to high-income and younger employees.

One time-honored way of defraying some of the risk inherent in investing is diversification. By not keeping all your eggs in one basket, you can often achieve a measure of protection from losing all your money on a single investment asset category.

Saving just a small bit more for retirement for as long as possible can make a significant difference in the size of your retirement nest egg—just adding 1% over the long term can mean thousands of extra dollars. View the tutorial to see how it works.

A major aspect of investment risk is volatility—how much and how often the value of an investment changes. This tutorial explore the role of volatility and time in portfolio to understand their impact.

Asset allocation is a powerful investment concept, but it's not a "one and done" task. Your goals or risk tolerance may change due to your personal circumstances or your portfolio investments may perform better or worse than expected. This tutorial explains the need to rebalance your portfolio on a regular basis.

Smart Retirement Solutions for IRA Plans

For individuals and small businesses, IRAs can help bridge the ever-expanding retirement savings gap. Aspire’s smart IRA solutions make participating toward retirement easy and beneficial – regardless of your working role.

Transparent accountholder pricing
Zero plan/employer costs
Non-proprietary investments
No investment-trading fees
Open-advisor platform
Private label branding options

Forms & Documents

Forms & Documents can be accessed by clicking the links below

SIMPLE IRA FAQs
SEP IRA FAQs
Roth IRA Custodial Agreement
Traditional IRA Disclosure Statement
Roth IRA Disclosure Statement
Financial Disclosure

View Forms & Documents Library

State Retirement Laws

Map of current state retirement laws updated in real time provided by Georgetown University Center for Retirement Initiatives

View Map

Aspire delivers a full suite of smart retirement solutions for Individual Retirement Accounts (IRAs) including:

Traditional IRA

Allows individuals to direct pre-tax income, up to specific annual limits, toward investments that can grow tax-deferred. Distributions are taxed.

Roth IRA

Contributions are not tax deductible and qualified distributions are tax free. Non-qualified distributions may be subject to penalty.

SIMPLE IRA

Savings Incentive Match Plan for Employees of Small Employers offers advantages to businesses with 100 or fewer employees earning at least $5.000 the prior year who do not have another retirement program.

SEP IRA

Simplified Employee Pension plan allows employers to make a tax-deductible contribution on behalf of eligible employees. Employees do not pay taxes on SEP contributions. Distributions are subject to tax-withholding rules.

Payroll Deduction IRA

Employee-only contribution program available to businesses of any size.

Rollover IRA

A transfer of funds from a qualified retirement account into a Traditional IRA or Roth IRA. Most rollovers occur at the time of a job change in order to move 401(k) or 403(b) assets into an IRA.

Auto Rollover IRA

Designed to be used for forced distributions to IRAs from qualified plans. The IRA must meet the Department of Labor’s safe harbor requirements.

Smart retirement solutions respond to market needs

Being a leader in the industry means monitoring issues and trends—and knowing how to respond and deliver smart retirement solutions that address what the market needs and how to grow business within the changing retirement landscape. Aspire understands and knows how to:

Respond to government regulations
Address the fiduciary issues of subjected standards for broker dealer reps and RIAs
Provide effective participant education
Deal with the trends of auto enroll and auto escalate
Drive competitive advantage through cost-effective transparent pricing

Linking people, investments and technology

It’s all done online and on demand. It’s an innovative technology-enabled platform that links the retirement planning community together to deliver smart solutions for any plan type independent of average account balance or plan size—enabling our partners and customers with strong economic value and competitive advantage through a cost-effective transparent pricing structure and fully built operational model.

It’s all done through InvestLink—Aspire’s conflict-free open-investment platform that links to more than 25,000 investment options enabling the ultimate in flexibility and customization for plan design for our TPAs, advisors, sponsors and participants for IRA plans. The choice is yours.

Enable flexible choices

Aspire's IRA plans are designed to deliver flexibility in making choices for our strategic distribution partners and plan participants. Our conflict-free open investment retirement management system is uniquely positioned to deliver the ultimate in flexibility and transparency at a competitive cost structure. All fees are disclosed.

Aspire tailors smart retirement solutions to partner and participant needs—anticipating—and delivering what the market demands.

Aspire Is Customer Centric

Delivers a choice of thousands of open-investment options including mutual funds, ETFs, collective trusts and stable value funds with no restrictions on account balance or plan size
Provides the ability to invest in exchange traded funds (ETFs)
Allows participants to work with an advisor or self-direct

Aspire Is Cost Effective

Increases economic value with fair, transparent pricing
Operates with an awareness of expenses incurred in managing retirement accounts that translates into advocating for participants

Aspire Is User Friendly

Access to real-time on-demand plan information 365 days
Change investments, rebalance accounts, and obtain statements online