Reduce your team’s workload and create operational efficiencies.

Partnering with us takes the stress out of IRA administration and helps you provide the best customer service to your clients.

Fully-Administered Program

Spend less time on back-office administration and more time growing your business. The Fully-Administered Program for IRAs provides a full-service program with complete administrative, operational, and compliance support.

This program uses a secure online processing system—called IRAdirect®—that creates a faster, simpler IRA program by eliminating paper forms. IRAdirect forms and tax reporting compliance logic technology reduces common errors and improves efficiency.

Benefits:

  • Forms generation
  • Tax reporting
  • Death claim processing
  • Distribution notification
  • Call center support
  • Marketing support
  • Staff training

Call 800-346-3860, option 2, suboption 1 for more information.

Existing clients can log in or call 800-356-9140 for call center support.

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The Fully-Administered Program is an online tool to let us do the back-end work for your IRA program.

Self-Administered Program

Managing paper forms for your IRA program is time-consuming and complex. Eliminate the need for paper forms with our Self-Administered Program.

Using the same software technology as the Fully-Administered Program, IRAdirect® automatically selects the right forms for transactions and uses compliance logic technology to catch common errors.

Benefits:

  • Forms generation
  • Call center support
  • Compliance and operational manuals

Call 800-346-3860, option 2, suboption 1 to learn more.

Existing clients can log in or call 800-356-9140 for call center support.

Contact Us to Learn More

IRAdirect express

Your clients expect your staff to be knowledgeable and comfortable with processing IRA transactions. Our IRAdirect express™ gives you the ability to enter IRA transactions to your core processing system and IRAdirect in one easy step. You can post to both systems in real time, making IRA transactions easier and more efficient.

IRAdirect express works with:

  • Fiserv Portico®
  • Fiserv DNA
  • Fiserv Spectrum®

To see how IRAdirect express can make IRA processing easier, request a demonstration.

Call 800-346-3860, option 2, suboption 1 to learn more.

Existing client and have a question? Call 800-346-3860, option 2, suboption 2.

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IRAdirect express™ gives you the ability to enter IRA transactions to your core processing system and IRAdirect in one easy step.

Product Demos and Program Information

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Retirement Central® Take Action Forms Center

Opening IRAs, selecting investments, completing paperwork, and managing future transactions takes patience and cooperation between your staff and clients. Ascensus’ Retirement Central® Take Action Forms Center is an add-on feature for the Fully-Administered Program that lets your clients open and manage their IRA, HSA, and ESA transactions online.

Remote Transactions in a Secure Environment

From your website, your staff and clients can use the Take Action Forms Center to perform remote transactions in a completely secure environment. The IRAdirect® online form wizards guide them through opening new accounts with your organization and managing existing accounts.

Your staff and clients can then print, sign, and deliver completed forms to your organization either in person, mail, or through electronic submission with the eSign option. This option virtually eliminates the need for your clients to travel to your branch.

Retirement Central is available in three versions and includes these key features:

  • Content only – Life stages, education, planning tools
  • Take Action Forms Center – Includes interactive and printable forms
  • Take Action Forms Center with eSign – Interactive forms with electronic signature

Call 800-346-3860, option 2, suboption 1 for more information.

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Copyright Forms and Documents

Our IRA opening and maintenance documents allow you to establish and service IRAs efficiently while ensuring that the latest IRS requirements are met. Our forms copyright license gives you the most versatility to use our forms and documents in the ways that work best for you.

Our IRA forms and documents can be delivered in a variety of ways for you to use how you choose.

  • Print your own forms
  • Integrate on your core or deposit platform
  • House on your network or intranet for your staff to access

Key Features

  • Updated when regulatory changes occur
  • Branding and customization available

Ascensus provides account opening documents (IRA plan agreements, disclosure statements, and financial disclosures). We also offer the necessary maintenance forms for Traditional and Roth IRA individual account owners and for employers of small businesses (SEP and SIMPLE IRA plans).

IRA Plan
Agreement Types

  • Trust
  • Custodial
  • Self-directed custodial
  • Inherited trust
  • Inherited custodial
  • Inherited self-directed custodial
Employer Level Documents
SEP Plan Document Types

  • Standard prototype (employer contribution only)
  • Universal prototype (allows for salary deferral)
  • Form 5305-SEP model document

SIMPLE IRA Plan Document Types

  • Prototype document
  • DFI and Non-DFI model documents

Sample Account Maintenance Forms

  • Contributions and investments
  • Eligibility and information
  • Rollovers, transfers, recharacterizations, and conversions
  • Required minimum distributions and withdrawals
  • Withholding notices
  • Excess worksheets
  • Beneficiary designations and elections

Call 800-346-3860, option 2, suboption 1 to learn more about your IRA document copyright options.

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eForms

Streamline your daily transactions and eliminate paper forms with our eForms, which are available through your core or deposit platform. eForms are provided in the appropriate format for your system.

Ascensus provides account opening documents (IRA plan agreements, disclosure statements, and financial disclosures). We also offer the necessary maintenance forms for Traditional and Roth IRA individual account owners and for employers of small businesses (SEP and SIMPLE IRA plans).

eForms Benefits

  • Increase accuracy by eliminating dual entry and manual processes
  • Gain immediate access to up-to-date IRA, HSA, and Coverdell ESA documents
  • Eliminate the need for paper forms
  • Receive timely form updates to help keep your program in compliance

Call 800-346-3860, option 2, suboption 1, to learn more about our eForms option.

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Print Forms and Documents

Looking for easy-to-use, IRS-approved forms and documents to support your retirement and savings programs? We have more than 35 years of experience in drafting opening documents and transaction forms that can help ensure compliant IRA establishment and maintenance.

Ascensus provides account opening documents (IRA plan agreements, disclosure statements, and financial disclosures) and all the necessary maintenance forms for traditional and Roth IRAs and small business IRA-based retirement plans (SEP and SIMPLE IRA plans).

Sample of IRA forms

  • Opening documents
  • Contribution and investment
  • Beneficiary designation
  • Transfer and rollover
  • Withdrawals
  • Excess contribution
Sample SEP and SIMPLE IRA Plan Documents

  • Basic plan document
  • Adoption agreement
  • Eligibility form
  • Employee notices

Call 800-346-3860, option 2, suboption 1, to learn more about your document options.

View the Print Forms Checklist

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IRA Mailing Services

Ascensus has mailing services that can help with two common IRA processes.

IRA Document Amendment Mailing Service

We offer a variety of Universal Amendments to update your IRA documents and convert them to Ascensus forms. The typical conversion process is simple.

  1. Select the appropriate Universal Amendment.
  2. Include the amendment in the next mailing to your existing account owners.
  3. Document which clients received the amendment and keep a copy in your master file.

Or, let us complete the entire conversion for you.

IRA Withholding Notice Mailing Service

The IRS requires you to notify IRA owners that they can change their income tax withholding elections for IRA distributions. The notice timing and frequency varies by IRA owner withdrawal elections.

Ascensus’ IRA Withholding Notice Mailing Service can process and mail your required withholding notices on a semi-annual schedule (June and December).

  • If you’re on our Fully-Administered Program, we’ll generate the needed data collection file from IRAdirect®.
  • If not, you must submit your data collection file to us, and we’ll assist you in determining recipients for each mailing.

Call 800-346-3860, option 2, suboption 1, to learn more.

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