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Retirement Account

The first step in opening a retirement account is to determine which type of retirement account best suits your investment strategies and investment goals. Once you have chosen which type of account you wish to open, simply download the application, complete it and return it by mail or drop it off at any UMB banking center near you.

Account Types

Roll Over Your 401(k)

Getting close to retirement? Already retired? Changing jobs? Review the UMB Financial Services educational guide to help you make a determination about what to do with your 401(k) or other employer-sponsored plan assets.  Additionally, review the UMB Financial Services Disclosure Statement for additional considerations when evaluating your options.  If you determine that rolling over your employer-sponsored retirement plan to an IRA is the right choice for you, UMB Financial Services is here to help you.  Click here to identify your next steps:  Rollover IRAs 

Transfer all of your IRAs to UMB Financial Services

Take control of your overall retirement plan and consolidate your IRAs with UMB Financial Services.


Make Contributions to your IRA

Make a contribution to your traditional IRA or ROTH IRA.


Take Distributions from your IRA

You have several choices in the type of distribution you wish to make from your IRA.


Investment Products Offered Through UMB Financial Services, Inc. Member FINRA, SIPC

UMB Financial Services educational guide