Summit Trust Company Advantage

Offers investors the maximum flexibility in choosing investments for their IRA account:

	Puts you in the "DRIVER'S SEAT". Because the investment decisions for your Summit Trust Company IRA are totally within your control, you can choose or change investments when YOU want.
	You are not limited to fixed rate certificates of deposit as with most bank IRAs, and there are no penalties or transaction fees (with the exceptions of trust deeds and bank CDs) for liquidating your investments when you want.
	You will NOT be solicited with misleading hype or offers of "free services" or investment opportunities typically geared at promoting a firm's own investment products, as Summit Trust Company does not offer proprietary investments. Remember, all firms have to make money, so look more carefully when you're told that a particular service is free. You're probably paying a premium for a related (but required) service.
	Because Summit Trust Company accommodates investments in non-traded assets such as private or founder's stock, you can take advantage of unique growth opportunities with start-up companies, etc. You may also choose to invest in any load or NO LOAD mutual fund (subject to each mutual fund's standard minimums for investment), through the broker of your choice.
	Summit Trust Company's IRA, like all IRAs, offers the important benefit of compounded tax-free growth on your investments. Simply put, a Summit Trust Company IRA is one of the best ways to provide for the financial resources required for your retirement. Because there are no taxes (e.g. short and long term capital gains, simple income tax, local, state or property taxes, etc.), until you take your funds out at retirement, unless it is a "Roth IRA", the returns you make each year can be used to fund new investments, compounding the effect of your retirement earnings!
	Your uninvested cash is automatically earning interest from the day of deposit at a competitive interest rate (compared to similar tax deferred liquid accounts). Your balance is insured up to $100,000 by the FDIC in a bank that is FDIC rated as "well capitalized". Your cash is available immediately for investment (there are no delays for liquidation as with uninsured money market accounts).
	Because Summit Trust Company provides fee-based services, we do not restrict you to a specific broker or brokerage firm. You can choose any broker or brokerage firm for your traded assets. You can even choose to have multiple brokers or brokerage accounts (generally for larger accounts) in your Summit Trust Company IRA, enabling you to diversify your investment approaches and risks.
	Summit Trust Company's flexible approach to permitted investments allows you to consolidate multiple existing IRAs into one Summit Trust Company IRA. This can save you from multiple separate custodial fees, having to deal with multiple, unlike and irregularly delivered custodial statements, and having to close and open accounts as you change mutual fund investments or brokerage firms. With a Summit Trust Company account, you can change brokers, brokerage firms, or mutual fund investments WITHIN a single Summit Trust Company account and WITHOUT opening and closing ANY new IRA accounts!
	A single consolidated Summit Trust Company IRA account allows you to diversify your investments for the purpose of reducing your risks and increasing your returns, all within a single IRA investment portfolio. This makes it easier to manage and track your portfolio's success. The sooner you can increase your annual return the better, as returns are tax free and compounded!
	Call Summit Trust Company and request an information kit and application. Or click here to learn more about the different Summit Trust IRA Accounts that are offered. If you're not happy with the results of your current broker or advisor or the returns of your bank or credit union IRA, start taking charge of your retirement planning "TODAY" and plan to live your retirement dreams!

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