Retirement Planning
Retirement Plans
Accounts designed to secure your long-term future.
Traditional IRA
Make tax-deductible contributions that grow tax-deferred until retirement, allowing you to lower your taxable income today.
- Tax-deductible contributions
- Tax-deferred investment growth
- Withdrawals taxed at retirement rates
- Ideal for higher income earners
Roth IRA
Contribute post-tax dollars to enjoy tax-free growth and tax-free withdrawals during your retirement years.
- Post-tax funding structures
- 100% Tax-free earnings growth
- Tax-free retirement withdrawals
- No mandatory minimum distributions
401(k) Rollovers
Consolidate multiple old employer-sponsored retirement plans into a single, easy-to-manage IRA without taxes or penalties.
- Direct rollover assistance
- Maintain tax-advantaged status
- Broaden your investment options
- Consolidate statement tracking
Retirement Benefits
Why plan retirement with Sylla Trust?
Tax-Advantaged Growth
Choose Traditional or Roth structures to shield your compounding investment returns from drag-down capital gains taxes.
Flexible Contributions
Make automatic monthly deposits or annual lump-sum transfers. Scale contributions easily as income changes.
Expert Advisers
Get access to certified retirement planning professionals who can design custom retirement withdrawal strategies.
Our Retirement Process
Four steps to a secure future
Meet Your Adviser
Schedule a consultation with our certified retirement planners to evaluate assets.
Set Your Goals
Define your target retirement age, income objectives, risk boundaries, and legacy wishes.
Build Strategy
We structure customized portfolio allocations and tax-efficient accounts matching your plan.
Annual Reviews
Meet annually to rebalance assets and adjust strategies according to life milestones.
Retirement Savings Parameters
2026 Contribution & Rollover Limits
| Account Type | Under Age 50 | Age 50+ (Catch-up) | Tax Benefit |
|---|---|---|---|
| Traditional IRA | $7,000 | $8,000 | Pre-tax tax-deduction options |
| Roth IRA | $7,000 | $8,000 | 100% Tax-free retirement withdrawals |
| Employer 401(k) / 403(b) | $23,500 | $31,000 | Pre-tax or Roth options available |
Rollovers from old plans are not subject to annual contribution caps. Consult your tax professional for specific limits based on filing details.
Retiree Success
What retired clients say
"Consolidating three old employer 401(k)s into a Roth IRA with Sylla Trust was exceptionally smooth. They handled the custodian transfers directly. My portfolio is now unified and tax-free."
- James R.Retired Engineer
"Their retirement distribution modeling was exactly what we needed. We now receive a steady, tax-efficient monthly income stream that preserves our core capital base."
- Sarah & Arthur P.Retirees since 2019
