Open an account

For a low annual maintenance fee of $35, you can benefit from the diverse investment options and convenient management tools offered in a Mercer Securities IRA. In fact, if your account balance is more than $100,000, this fee will be waived. Mercer Securities also offers a selection of general investment accounts to help round out your financial picture.

If you're interested in rolling over your account balance to a Mercer Securities IRA, here's how to get started:

Call a Retirement Specialist at 1-877-200-9107
Request an account application
Return your completed and signed paperwork
You'll be notified when your account is ready to access

Or, if you'd like to open another type of account, simply download, complete, and return the appropriate forms.

Wondering which account type is appropriate for your situation? Find out by reviewing our list of account types »

Why consolidate multiple accounts?
By bringing together multiple accounts with Mercer Securities, you'll be better able to track your savings, which means:

More efficient portfolio management with streamlined statement reviews, asset allocation analysis, and rebalancing sessions
Potential for greater risk management through an at-a-glance view of your retirement savings so you can more easily determine if you're invested too heavily in certain asset classes or sectors
Faster access to information via a single phone number and website

Account types

Mercer Securities offers a selection of accounts tailored to meet your needs and savings goals. Just select an account type to learn more:

Coverdell Educational Savings Account

Traditional IRA

A Traditional IRA allows you to contribute money (up to a certain limit) that may be fully or partially deductible – meaning you may be able to claim your IRA contributions on your year-end tax return (reducing your current taxable income and the taxes you pay now). This gives your contributions the potential to grow tax deferred. However, withdrawals are subject to ordinary income taxes and those taken prior to age 59½ may be assessed an early withdrawal penalty. At age 70½, you will be required to begin taking minimum distributions.

Download an account application, a Mercer Securities IRA account agreement, an IRA disclosure statement and a commission and fee schedule.

Roth IRA

A Roth IRA allows you to contribute money (up to a certain limit) after you’ve paid all your taxes, in exchange for not having to pay taxes upon distribution (provided your account has been open for at least five years and you are at least age 59½). This gives your earnings the potential to grow tax free. Unlike a Traditional IRA, a Roth IRA does not require you to begin taking minimum distributions at age 70½.

Download an account application, a Mercer Securities IRA account agreement, an IRA disclosure statement and a commission and fee schedule.

Rollover IRA

A Rollover IRA typically holds only eligible distributions from a qualified Traditional company-sponsored retirement plan. To that end, additional contributions should be made to a Traditional IRA. Withdrawals are subject to ordinary income taxes and those taken prior to age 59½ may be assessed an early withdrawal penalty. At age 70½, you will be required to begin taking minimum distributions.

Download an account application, a Mercer Securities IRA account agreement, an IRA disclosure statement and a commission and fee schedule.

General Investment Account

A General Investment Account can be opened as an individual account, as a custodial account for the benefit of a minor, as a joint account, or in the name of a trust for estate planning purposes. Generally, an investment account has no tax benefit, and capital gains as well as ordinary income are subject to taxes depending on the underlying investments in the account.

Download an account application, an account agreement and a commission and fee schedule. Or, call 1-866-727-7277.

Coverdell Education Savings Account

A Coverdell Education Savings Account (ESA) is a custodial account that can be used to pay educational expenses from kindergarten through college for a specified beneficiary. All contributions must be made before the beneficiary reaches age 18, unless the beneficiary is a special needs student. In addition, beneficiaries can be changed or the account can be transferred to another member of the beneficiary's family without incurring a tax penalty as long as the new beneficiary is under age 30.

Typically, the designated beneficiary of a Coverdell ESA can receive tax-free distributions to pay qualified education expenses as long as the distributions do not exceed the beneficiary's expenses. If a distribution exceeds the beneficiary's qualified education expenses, a portion of the distribution is taxable.

Contact us at 1-866-727-7277 to find out more and open an account.

Review your options Fund families available through Mercer Securities »

Compare the costs View our brokerage account fees »

Have multiple accounts? Why you should consolidate them »