{"id":25064,"date":"2026-01-08T14:09:28","date_gmt":"2026-01-08T19:09:28","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-us\/?page_id=25064"},"modified":"2026-01-08T14:09:29","modified_gmt":"2026-01-08T19:09:29","slug":"retirement-agreements","status":"publish","type":"page","link":"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/retirement-agreements","title":{"rendered":"Retirement Agreements"},"content":{"rendered":"\n<div class=\"wp-block-rbcwm-hero-block rbc-hero-wm  rbc-hero-overlap rbc-hero-overlap-mobile rbc-hero-krf2dj2wq hide-mobile-energy-lines\"><style>\n\t\t.rbc-hero-krf2dj2wq.is-style-rbc-hero-gradient::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 60%);\n\t\t}\n\n\t\t.rbc-hero-krf2dj2wq.is-style-rbc-hero-gradient.rbc-hero-has-image-bleed::before {\n\t\t\tbackground: linear-gradient(90deg, #023169 20%, rgba(94, 120, 131, 0) 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order-lg-1\"><\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"row justify-content-between wrap blockId-c9fbe552-13ab-4088-bc61-56d108718abd\">\n<div class=\"wp-block-rbcwm-column col-lg-8\">\n<h4 class=\"wp-block-heading\" id=\"h-\"><\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/traditional-ira-custodial-agreement-and-disclosure-statement.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Traditional Individual Retirement Account Custodial Agreement &amp; Disclosure Statement (IRA)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/roth-ira-custodial-agreement-disclosure-statement.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">ROTH Individual Retirement Account Custodial Agreement &amp; Disclosure Statement (ROTH IRA)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/savings-incentive-match-plan-simple-employee.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Savings Incentive Match Plan (SIMPLE IRA Retirement Plan Agreement &amp; Disclosure Statement \u2013 for Employees) (SIMPLE Employee)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/simple-individual-retirement-custodial-agreement-and-disclosure-statement-simple-employer.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Simple Individual Retirement Custodial Agreement &amp; Disclosure Statement (SIMPLE Individual Retirement Plan Custodial Agreement \u2013 for Employers) (SIMPLE Employer)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/prototype-simplified-employee-pension-plan-agreement-sep-ira.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Prototype Simplified Employee Pension Plan Agreement (SEP IRA)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.rbcwealthmanagement.com\/assets\/wp-content\/uploads\/documents\/legal\/prototype-sep-sarsep-plan-agreement-sarsep.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Prototype SEP\/SARSEP Plan Agreement (SARSEP)<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-rbcwm-rbc-block rbc-block rbc-block-grey rbc-footer-footnotes rbc-block-small has-block-grey-background-color has-background\"><div class=\"container\"><div class=\"row \"><div class=\"col-lg-12\">\n<div class=\"row wrap blockId-15f0b13c-8892-405c-99e1-3e0e98983ef8\">\n<div class=\"wp-block-rbcwm-column col-lg-12\">\n<p class=\"is-style-caption has-dark-grey-color has-text-color\"><strong>Investment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.<\/strong> <\/p>\n\n\n\n<p class=\"is-style-caption has-dark-grey-color has-text-color\"><strong>RBC Wealth Management, a division of RBC Capital Markets, LLC, registered investment adviser and Member <a href=\"https:\/\/www.nyse.com\/index\">NYSE<\/a>\/<a href=\"https:\/\/www.finra.org\/\">FINRA<\/a>\/<a href=\"https:\/\/www.sipc.org\/\">SIPC<\/a>.<\/strong><\/p>\n\n\n\n<p><\/p>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":15,"featured_media":0,"parent":59,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"editor_notices":[],"rbc_url_alias":"","footnotes":""},"rbcwm_content_owner":[],"class_list":["post-25064","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Retirement Agreements - RBC Wealth Management<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-us\/legal\/retirement-agreements\" \/>\n<meta property=\"og:locale\" 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