Pacific Premier Trust Review

Pacific Premier Trust Review

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Pacific Premier Trust is a division of Pacific Premier Bank that provides new and existing customers with a wide range of retirement and savings account options.

The company has assisted customers in actively managing their retirement assets and increasing their wealth for over 30 years by allowing them to diversify their portfolios with alternative investments.

Pacific Premier Trust takes pride in providing individual and institutional investors with their knowledge and expertise of various IRAs. These include Self-Directed, Traditional, Roth, Inherited IRAs, SEP, SIMPLE, and Custodial IRAs.

Additionally, the staff at Pacific Premier Trust can help small businesses manage their retirement plans. 

Pacific Premier Trust can manage various custodial services for its retirement clients, including account activation, record keeping, financial transaction processing, and IRS reporting.

As a result, this company is one of the top solutions for customers needing advice and guidance on achieving their financial goals.  This review aims to give potential customers insight into what they can expect from Pacific Premier Trust.

Before we get started with this review:

We understand how difficult it is to pick a company that you can trust with your hard earned savings.  That's why we create informative and useful information to give you as much knowledge as possible to make the right decision.

We created a list of our highest recommended investment companies, to make comparing and choosing the company best suited to your needs as easy as possible.

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About Pacific Premier Trust

PPT homepage

Pacific Premier Trust is a financial company that assists clients in opening and managing self-directed and conventional retirement accounts.

Potential account holders can get assistance from their staff with common and alternative investments and an explanation of the differences between each type of account. The website only lists two people in leadership positions.

Tamara Wendoll is the EVP, Chief Operating Officer, and William G. Eustis is the SVP, Head of Sales and Strategic Partnerships. As of 9/30/2022, Pacific Premier Trust has:

  • $17 billion in assets under custody
  • 43,903 client accounts
  • 40,345 unique assets

Who do They Serve?

Pacific Premier Trust works with individual investors and institutional entities. Here is a closer look at some of the clients they serve:

  • Individuals

Pacific Premier Trust IRA allows clients to follow their investment strategy when buying investments for their retirement savings.

Pacific Premier Trust makes it as simple as possible for its clients to invest in alternative assets using tax-advantaged IRA accounts.

  • Broker-Dealers and Registered Investment Advisors

Pacific Premier Trust is a reputable and regulated independent custodian with 30 years of experience in alternative asset custody. The company provides quarterly statements that display account positions and transaction activity.

In addition, a dedicated Relationship Manager will be a point of contact to help meet clients' expectations of transparency.

  • Family Offices

A family office is a private management firm established by a high-net-worth family. Pacific Premier Trust can assist with obtaining tax benefits that come with using retirement savings to invest in alternative assets for family offices.

  • Professional Service Providers

CPAs, lawyers, and real estate agents often advise clients on alternative investments using IRA funds.

Pacific Premier Trust helps professional service providers increase their knowledge of self-directed IRAs to better support customers who want to invest in alternative assets.

Pacific Premier Trust IRA Accounts

how to open an account with pacific premier trust

The various IRA accounts and services that Pacific Premier Trust offers showcase the company's services and benefits. The company assists investors in understanding their retirement funding alternatives through IRAs.

Any one of these IRAs can be self-directed when the account holder makes investing decisions.

Owners of self-directed IRAs have access to a broader selection of alternative investment possibilities, including real estate, promissory notes, precious metals, and more.

Here are the types of IRAs they offer and their benefits:

Traditional IRA

Traditional IRAs are popular because of their flexibility. They do not have any minimum contribution requirements or income restrictions. Contributions are tax deductible on state and federal taxes, so this account helps reduce current taxable income.

Traditional IRAs are ideal for people who want to postpone paying taxes until they can withdraw the money without a penalty at 59 ½ years of age. Traditional IRA owners must make minimum withdrawals when they turn 72.

Roth IRA

Roth IRA account holders can make contributions with their after-tax income. This retirement account can be the best option for individuals who anticipate being in a higher tax bracket when they retire.

The account holder can make penalty-free and tax-free withdrawals once they reach the age of 59 ½. However, there are income restrictions for Roth IRA owners who want to make contributions.

Yet, there are no required minimum distributions or age limits for making contributions.

Inherited or Beneficiary IRAs

Inherited or beneficiary IRAs are accounts that individuals receive after the original account holder passes away. The individual must reopen the account as a new Traditional or Roth IRA.

However, the new owner cannot make any contributions to the new account. In addition, taxes and penalties apply with the new IRA. The beneficiary can be anyone, including a spouse, relatives, non-relatives, or charitable organizations.

Custodial IRAs

There is never a bad time for a parent to begin saving for a child. A parent or a child's guardian must set up a Custodial IRA for any child under 18.

A Custodial IRA can be a Traditional or Roth IRA, and the parent or guardian can open the account in the child's name. The child is eligible to make contributions to the Custodial IRA if they have a source of income.

In addition, family members can make contributions to the Custodial IRA if their contributions do not exceed the child's total income.

Business Retirement Accounts

There are two types of business IRAs. An employer can open and maintain SEP or SIMPLE IRAs for their company by working with Pacific Premier Trust. SEP IRAs are retirement accounts that only the employer can fund.

The employer can be a sole proprietor, corporation, or partnership. However, the employees can determine the investment choices and manage the investments within limits set by the SEP IRA's trustee. 

Small firms with less than 100 employees may establish a SIMPLE IRA for their employees. A SIMPLE IRA enables employers to deduct any contributions they make for their staff from their taxes.

This type of retirement account is ideal for small firms that want low setup and maintenance costs and do not want to deal with a lot of paperwork.

Self-Directed Account Investment Options

Clients can diversify their retirement portfolio beyond stocks and bonds by investing in alternative assets through a Pacific Premier Trust IRA, which is what they call their self-directed IRAs

They can hold private equity, real estate, promissory notes, and more in their accounts. The specialized custody solutions and sector-leading technology of Pacific Premier Trust make this happen. Here is a look at the investment options:

  • Private Equity

Investors like to have private equity assets in their self-directed IRAs due to these accounts' tax advantages.

Private equity refers to having an ownership stake in businesses that are not listed on a stock exchange and are generally made available through a private placement.

These investments can be in an active company, a real estate project, or an investment partnership. Purchasing shares in young, expanding businesses is a common type of private equity investment.

  • Real Estate

Direct or indirect real estate investing is a popular way to use funds among self-directed IRA owners. They can invest in real estate with their self-directed IRA for long-term appreciation, rental income, or a quick flip.

IRA owners can invest in residential properties, commercial properties, and raw land.

  • Promissory Notes

Investors can use self-directed IRA funds to buy promissory notes, such as trust deeds and mortgages. These are desirable asset classes for many investors due to their potential for positive cash flow and above-average rates.

Additionally, investors can receive favorable tax treatment if they keep debt obligations in an IRA.

Pacific Premier Trust has 30 years of experience as an alternative IRA asset custodian and is knowledgeable about the complex IRS guidelines for keeping notes in an IRA.

  • Alternative Assets

Pacific Premier Trust offers alternative asset classes for investors seeking to diversify their portfolios. Self-directed IRA owners can invest in precious metals such as gold, silver, platinum, or palladium. 

The investment must comply with the IRS and Pacific Premier Trust's operational requirements and restrictions. Clients can also invest in land, mineral rights, wind farms, peer-to-peer lending, or any other asset that Pacific Premier Trust can approve.

  • Stock Market Securities

Investors do not need to go to another custodian to invest in stock market securities. Pacific Premier Trust's online trading platform enables IRA owners to invest in thousands of mutual funds, stocks, bonds, ETFs, CDs, and annuities.

Why Invest Physical Gold in Your IRA?

Individual Retirement Accounts (IRA) protect your retirement as well as your family's financial security.

These special accounts allow you to set aside tax protected savings that you can use in the future.   

With these long term accounts it's important to allocate a significant portion to assets that are solid and reliable, so you have a secure and worry-free retirement. 

a couple listening to a financial advisor

You can have cash in an IRA, but that is devaluing at a rapid pace and inflation is out of control

You need an asset that's dependable, retains it's value, and even increases in value over time, and there is no better asset for this than gold. 

With the world's economy struggling through lockdowns, shortages, wars, and inflation, uncertainty has never been higher and investors are protecting themselves by placing physical gold in IRA's. 

A gold IRA investment prospers from these crisis that negatively affect most other assets. 

Risk is knowing the economic dangers and doing nothing to protect yourself and your family. 

Safety is knowing the economic dangers and taking action to protect your financial future, and this is easy to do with a gold IRA.


Pacific Premier Trust's fee structure may vary depending on the type of investments an IRA owner has in their account and the services they need.

Fees include:

One-time account establishment 

There is a fee for creating an account, contacting the custodian to start receiving funds, and transferring cash to Pacific Premier Trust.

Account administration and maintenance 

The fees for account administration and maintenance involve several services, including accessing client service representatives, quarterly transaction activities, and annual tax reporting.

Transactional charges 

Some of these charges include purchases, liquidations, partial transfers, and overnight mailings.

Account closures 

A fee is necessary for account closure for re-titling or re-registration procedures, in addition to paperwork processing for asset transfers to maintain a tax-deferred status.

Final Thoughts

Pacific Premier Trust may be a better alternative for seasoned individual investors than those just starting because of the minimum asset requirements and numerous fees.

However, it can be a terrific option for business owners who want to increase retirement funds for their employees while obtaining some tax benefits. 

Clients have given good marks to Pacific Premier Trust for its simplicity in opening and managing their retirement accounts.

In addition, Pacific Premier Trust has a very professional-looking website that is easy to navigate and understand.

The team are experts in this field and has plenty of experience helping investors achieve their retirement goals.

Overall, Pacific Premier Trust is a reputable retirement account custodian where investors can feel safe placing their retirement funds.

You can get a Free Gold Investors Guide from our top gold and precious metals company recommendation by clicking the link above or you can read our article of the top companies we reviewed this year:

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