Fund & Manage Your SDIRA

Managing your self-directed IRA.

At Pacific Premier Trust, we know the account opening process is just the beginning. Once you're up and running with your Pacific Premier Trust account, you can count on us to continually monitor and upgrade our systems to protect your personal and financial information.

We're here to help you navigate your ongoing account maintenance—and to develop new online tools to make it easier for you to manage your IRA account.

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Funding Options

You can fund your new Pacific Premier Trust account by electing to transfer cash and/or assets into the account using our online application process. Alternatively, if you are transferring funds from a Traditional, Roth, Simple or SEP IRA, you can fill out a Pacific Premier Trust Transfer/Rollover Request form.

Another way to fund your Pacific Premier Trust account is to rollover funds from a qualified account at another institution. Please contact your current custodian to find out more information about rolling over funds to a Pacific Premier Trust IRA.

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Request a Distribution

Pacific Premier Trust offers three convenient ways to take a distribution from your account:

1. For partial cash distributions from Traditional, SEP, and Roth IRAs, log in to your account, then select Request a Distribution.
2. If you’ve previously taken a cash distribution from your account either by paper form or online, one of our Client Services representatives can take your request over the phone. Call us at 800.962.4238.
3. For IRA accounts, submit an IRA Distribution Request Form by email to [email protected] or by mail to Pacific Premier Trust, PO Box 981012, Boston MA 02298.
4. For distributions from non-IRA accounts, submit a Disbursement Instruction Form by email to [email protected] or by mail to Pacific Premier Trust, PO Box 981012, Boston MA 02298.

Change Address

Pacific Premier Trust offers three convenient ways to update your address:

1. Log in to your account and select Profile/Logout followed by My Profile.
2. Contact Client Services at 800.962.4238.
3. Download and complete the Address Change Request form. Then submit the completed form either by email to [email protected] or by mail to Pacific Premier Trust, PO Box 981012, Boston MA 02298.

Change Beneficiaries

Pacific Premier Trust offers two convenient ways to update your beneficiaries:

1. Log in to your account and select Profile/Logout followed by Inheritance Beneficiaries. If you have complex beneficiaries you will need to complete the appropriate form below.
2. Download and complete one of the forms below. Then submit the completed form either by email to [email protected] or by mail to Pacific Premier Trust, PO Box 981012, Boston MA 02298.

• • IRA – Beneficiary Designation
  • Transfer on Death Account Designation
  • Solo(k) – Beneficiary Designation

General Maintenance

As a Pacific Premier Trust client and IRA owner, please remember to always perform the following account maintenance:

• Pay quarterly fees
• Maintain minimum cash in your account to cover any asset expenses
• Take required minimum distributions (as applicable)
• Communicate any asset, address and contact information changes to Pacific Premier Trust
• Review/update account beneficiaries annually (as applicable)
• Review/update authorized fiduciaries on your account annually (POA, interested parties, etc.) 

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Additional Maintenance Based on Asset Type

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Private Equity

Numerous events can impact your private equity investments. The investment sponsor is responsible for notifying Pacific Premier Trust of the following:

• Confirmation of the purchase within 14 days
• Capital calls
• Liquidation
• Expenses
• Additional purchases
• Valuation updates (at least annually)
• Address and/or name changes
• Stock splits
• Corporate actions and Reorganization events
• Litigation
• Final payoff or notice of default

Client will need to provide notice if sponsor does not respond.

Real Estate

Investing in real estate within your IRA means your account is the actual owner of the property. As such, the following ongoing maintenance and documentation is required:

• Expenses: See our Real Estate Expense FAQs for details
• Copy of recorded deed
• Rental/lease agreement: Pacific Premier Trust must review and sign
• Valuation: IRA owner is responsible for providing valuation (at least annually)
• Sale of property: Please refer to the real estate sale checklist for details

Notes Secured by Deeds of Trust

If your note investment is secured by a deed of trust, the following ongoing maintenance and documentation is required: 

• Recorded deed of trust and other applicable documents: Must be submitted within 90 days
• Payoffs: See our payoff checklist for details
• Loan payments: Remitting payments with a deposit slip will assist us in expediting posting to your account.

Notes

For any notes held in your IRA, it is your responsibility to communicate the terms of your investment to Pacific Premier Trust, in addition to any amendments that may occur prior to maturity.

To update the status of a current note held, please use the Note Investment Status form.

If your note no longer exists, you can remove the note from your account by using the Note Investment Removal Request form. Be sure to submit the required backup documentation indicated on the form.

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Learn How to Fund a Self-Directed IRA.

Once you’ve opened your account, you’ll need to fund it so you can invest in the asset that you or your financial advisor have identified, researched and determined best suits your individual needs.

Pacific Premier Trust initiates fund transfer requests within two days of receiving them. Transferring assets other than cash may require additional timing or documentation.

If you are transferring cash from another custodian, sign and submit the transfer-in documents with a copy of your most recent statement.

Please call 855.453.4960 for assistance.

Methods of Funding

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Cash Transfer

A transfer entails moving cash directly from one IRA to another like IRA (e.g., Traditional IRA to Pacific Premier Trust traditional IRA). There’s no limit to the number of transfers that can be requested, and because the account holder never takes physical receipt of the money, a transfer does not create a taxable event.

You can choose between transferring cash or assets in-kind. For cash transfers, Pacific Premier Trust will request the funds from your current custodian on your behalf, and the transfer typically takes five to seven business days. See “In-Kind Transfer” for specifics on how to transfer assets in-kind.

In-Kind Transfer

If you don’t wish to liquidate an asset before transferring it, you may be able to perform an in-kind transfer of the asset from another IRA to your Pacific Premier Trust IRA of the same type. The process can take longer than a cash transfer and alternative assets must be reviewed by Pacific Premier Trust first to ensure we can custody the asset in question.

Rollovers

A rollover occurs when you move assets from a qualified plan, including non-IRA plans, such as a 401(k), profit sharing plan, or other employee-sponsored plan, to your Pacific Premier Trust IRA. This is a very common method of funding a self-directed IRA and there are several ways to accomplish this.

1. In-kind direct rollover: The direct rollover of non-cash assets from an eligible non-IRA plan into an IRA. Moving the assets directly from another qualified plan to an IRA will avoid a taxable event. Check first to see if Pacific Premier Trust holds the assets in question. If we are unable to hold the asset, you may need to liquidate the asset and roll over the cash instead.
2. Cash direct rollover: The direct rollover of cash from an eligible non-IRA plan into an IRA. Moving the funds directly from a qualified plan to an IRA will allow you to avoid a taxable event.
3. 60-day cash rollover: Allows the IRA owner to take receipt of funds from an IRA or eligible non-IRA plan, then deposit it into an IRA within 60 days without triggering a taxable event. You must return the funds to an IRA within 60 days, or the rollover will be considered a reportable distribution that is subject to taxes and, if you are under 59½, subject to penalties. Current rules only allow an individual to make one rollover from an IRA to another per 12-month rolling period.

Roth IRA Conversion

Under certain circumstances, the IRS allows individuals to convert a Traditional IRA into a Roth IRA. Pacific Premier Trust has extensive experience with the rules and processes around Roth IRA conversions. Contact our expert team if you want to learn more.

Important note regarding IRA rollovers:

You can make only one rollover from an IRA to another IRA in any 12-month period — regardless of the number of IRAs you own. The limit applies by aggregating all of the individual IRAs, including SEP and SIMPLE IRAs as well as Traditional and Roth IRAs, effectively treating them as one IRA for purposes of the limit. However, the one per year limit does not apply to these rollovers:

• From traditional IRAs to Roth IRAs (conversions)
• From trustee-to-trustee transfers to another IRA
• From IRAs to qualified plans (i.e., pensions, 401(k)s, etc.) and vice versa
• From qualified plans to qualified plans

If you make more than one IRA-to-IRA rollover in any 12-month period:

• You must include in your gross income, the previously untaxed amounts distributed in the preceding 12 months from an IRA, and;
• You may be subject to the 10% early withdrawal tax on the amount you include in gross income

For more information, view these IRS resources:

• IRS Resource: IRA One-Rollover-Per-Year Rule
• IRS Resource: IRS Rollover Chart

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Time Duration to Fund

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How Long Does Self-Directed IRA Funding Usually Take?

At Pacific Premier Trust, we do everything we can to make the account funding process as fast and efficient as possible. Keep in mind that the time it takes to complete new account funding can vary based on several factors, including:

• Funding method
• Source of existing funds
• Policies of your current custodian or administrator
• Types of assets currently in your account
• Availability of funds to transfer

Estimated Funding Timelines

Upon Pacific Premier Trust’s receipt of your funding request, you can use the following chart to estimate how long it will take to fund your account. Timelines are also dependent upon your current custodian or administrator.

Method	Allowable Accounts	Processing Time With ACATS	Processing Time Without ACATS	Considerations
Cash Transfer -Partial Cash	From like IRA to like IRA (e.g., traditional IRA to Pacific Premier Trust traditional IRA) with Market-Traded Securities	5–7 business days	5–7 business days	Check with your current IRA administrator for processing time. Mutual funds take longer.
Cash Transfer -Full Cash		5–7 business days	5–7 business days
Cash Rollover	From a qualified plan like a 401(k) or profit sharing plan to Pacific Premier Trust IRA		5–10 business days depending on your current plan administrator	Check with your current plan administrator for processing time.
60-Day Cash Rollover	From IRA or eligible non-IRA plan to Pacific Premier Trust IRA		5–7 business days	This type of rollover can be performed once per 12-month rolling period but there are exceptions. Consult with your tax advisor.
In-Kind Transfer	From like IRA to like IRA (e.g., traditional IRA to Pacific Premier Trust traditional IRA)	Traded assets: 5–7 business days	Non-traded: 15–30+ business days Please note the transfer may be more complex.	Check with Pacific Premier Trust to see if your assets can be accepted.
In-Kind Direct Rollover	From eligible non-IRA plan to Pacific Premier Trust IRA		15–30+ business days	Check with your current plan administrator for details on processing time.

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