IRAs – Individual Retirement Accounts

Individual retirement accounts (IRAs) help clients plan for a secure stream of retirement income. If an individual has changed jobs, retired or needs to consolidate previous retirement funds, a rollover into an IRA provides important investment and tax benefits.


  • Roll over funds from an employer retirement plan
  • Establish new IRAs – Roth, Traditional, Simple or Simplified Employee Pension (SEP)
  • Tax-deferred method of saving
  • Continued tax-deferred investment returns
  • Expanded investment choices

We offer the following:

  • Personal consultations on new IRAs, rollovers and consolidating accounts
  • Low-cost asset allocation for clients who wish to delegate daily oversight to our professional money managers
  • Quality mutual funds for clients who want to manage their IRAs themselves
  • Internet account access with financial calculators and tools to project future balances
  • Optional electronic contribution from your checking accounts
  • Full fee disclosure, with no surprises down the road
  • People who are accessible – we actually answer the phone!
  • Free, informative quarterly investment newsletter

IRA Rollovers

If you have retired or undergone a job change, you should consider rolling your existing retirement funds from your previous employment into an IRA. A direct rollover to an IRA provides you with important benefits:

  • No immediate taxes or penalties
  • Continued tax-deferred investment returns
  • Expanded investment choices

Best of all, Bell State Bank & Trust makes it very fast and easy to roll your retirement funds into an IRA. We help you get everything started, talk you through the process, have you sign the paperwork, and we take care of the rest. We can even help you decide whether a Traditional vs. Roth IRA is the better IRA choice for you.

If you’re interested in discussing an IRA or rollover, start the conversation today by contacting our IRA specialist:



Dan Espe




Learn more about Dan by reading his bio.


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