Pacific Premier Trust Review

Last Updated on March 14, 2023 by George

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The Pacific Premier Trust branch of Pacific Premier Bank provides new and existing customers with various alternatives for savings and retirement accounts.

For more than 30 years, the business has helped its clients actively manage their retirement assets and grow their wealth by enabling them to diversify their portfolios with alternative investments.

Pacific Premier Trust takes delight in sharing its knowledge and expertise on various IRAs with institutional and individual clients. Among them are self-Directed, Traditional, Roth, Inherited, SEP, SIMPLE, and Custodial IRAs.

The team at Pacific Premier Trust may also assist small businesses with administrating their retirement plans.

For its retirement clients, Pacific Premier Trust may handle a range of custodial services, including account activation, record keeping, processing of financial transactions, and IRS reporting.

This business is one of the best options for clients seeking counsel and direction for attaining their financial objectives. The interview aims to inform potential clients of what to anticipate on behalf of Premier Trust Pacific.

Before we get started with this review:

We know how challenging choosing a business can be, and you can trust them with your hard-earned savings. That’s why we create informative and valuable 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.

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 joint and alternative investments, as well as a description of how each form of account differs from the others. There are just two leaders listed on the webpage.

William G. Eustis is the SVP, Head of Sales and Strategic Partnerships, and Tamara Wendoll is the EVP, Chief Operating Officer.

As of September 30, 2022, Pacific Premier Trust possesses the following:

  • $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.

A closer look at some of the clients they assist is provided below:


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 support better customers who want to invest in alternative assets.

Pacific Premier Trust IRA Accounts

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 IRAs are popular because of their flexibility, and they do not have any minimum contribution requirements or income restrictions. The contributions to this account are tax deductible on both state and federal taxes, which lowers your 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.

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 report as a new Traditional or Roth IRA.

However, the new owner cannot contribute 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 always a suitable 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 contribute 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

Business IRAs come in two different varieties. Working with Pacific Premier Trust, an employer can set up and maintain SEP or SIMPLE IRAs for their business. The employer can only fund retirement accounts, known as SEP IRAs.

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 want to avoid dealing with a lot of paperwork.

Why Invest Physical Gold in Your IRA?

Individual Retirement Accounts (IRAs) protect your retirement and 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 essential to allocate a significant portion to solid and reliable assets to have a secure and worry-free retirement.

You can have cash in an IRA, but that is devaluing rapidly, and inflation is out of control.

It would help if you had an asset that’s dependable, retains its 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 IRAs. A gold IRA investment prospers from this crisis, negatively affecting 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, which is easy to do with a gold IRA.

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 they call their self-directed IRA.

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.


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

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

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 expert 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.

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