Self-Directed IRA Info Kit - IRA Financial Group
Self-DirectedIRAguide todirecting yourinvestments 2020 IRA Financial Group
In this info kit.The Self-Directed IRA1. Introduction to the Self-Directed IRA2. How You Can Benefit3. Investment You Can Make4. Traditional vs. Roth Self-Directed IRA5. Self-Directed IRA for Small Businesses6. Do Everything in Our App7. Custodian vs. Checkbook Control8. Why You Need a Custodian9. Stay IRS CompliantWork with IRA Financial7. The IRA Financial Difference8. Testimonials9. Get Started
Introduction to theSelf-Directed IRAAs an investor, you may be surprised thatA Self-Directed IRA allows you to diversifyyou can use your IRA funds to invest in as-your retirement portfolio and offers tax advan-set classes outside of stocks, bonds, mutualtages you won’t receive from a traditional IRA.funds, and other traditional assets. Since IRAswere first introduced in 1974, the IRS has onlyprohibited a few assets from being investedwith an individual retirement account. You canfind a full list of prohibited investments in Internal Revenue Code Section 4975.With a Self-Directed IRA,you can make investmentsin real estate, tax liens,precious metals and muchmore.A Self-Directed IRA is thebest solution for IRA investors who:Want more control overtheir retirement fundsWant to diversify theirretirement portfolioWant to invest in hardassets like real estateDo not feel confidentinvesting in Wall Street
Inflation ProtectionHow you canbenefitThe increased price of food and energy, alongwith high federal debt levels and low interestrates can leave Americans worried about inflation. Many investors look for ways to protecttheir assets. Buying hard assets like preciousmetals and real estate hedges against infla-There are 4 primaryadvantages of self-directingyour IRA.tion, protecting your hard-earned money. Realestate is a great asset class to invest in duringinflation because price increases tend to leadto rent increases.DiversificationOver 90% of retirement assets go toward theSecurityfinancial market. If the stock market takes aYou may realize that several nontraditional in-dive, investors can lose quite a bit of money.vestments are also tangible assets. InvestingWhen you invest in nontraditional assets, itin types of real estate can provide psychologi-diversifies your portfolio, which helps protectcal security. During times of financial instabil-your assets when the market is down.ity, inflation, or political upheaval, this type ofsecurity can be very important to IRA inves-Tax Deferraltors.With tax deferral, all income, gains and earnings accumulate in your retirement accountMost of the individuals I speak to who aretax free and grow at a much faster pace thanlooking at the self-directed IRA want toif you held the funds personally. For example,make alternative asset investments eitherif you put 100,000 in a Self-Directed IRA inas a way to diversify their retirement2020, and the account earns 10,000 in theportfolios, make a hedge against inflation,same year, you won’t owe tax on the 10,000.seek higher returns, or gain the ability toWhen it’s time to take a distribution from yourinvest in something they know, understand,IRA, you will likely be at a lower tax bracket.or can touch.Therefore, you will keep more of what you accumulated over the years.Adam BergmanPresident of IRA Financial
Investmentsyou can makeReal EstatePrecious MetalsResidential or commercialGoldDomestic or foreignSilverRaw landPlatinumForeclosure propertiesCoin issues under the law ofMortgage poolsany stateTax liens and tax deedsGold, silver, platinum oraccumulated over the yearspalladium bullion of a certainfinenessBitcoinEntitiesICOsPrivate businessesDigital assetsLimited liability companiesControl private keyLimited liability partnershipsNo broker feesPrivate placementsBuy, sell, hold on your ownHedge fundsPrivate equityVenture capitalTraditional AssetsStocksEquitiesDiscover moreBondsinvestment opportunities!ETFs (exchange traded funds)irafinancialgroup.com
Choose the SDIRA that’sbest for youTraditionalRothYour account is funded with pre-tax dollars;Your account is funded with after-tax dollars;your taxes are deferred until you take ayou don’t receive an upfront tax break, butdistribution during retirement.when you take a distribution, all income andIf you are over 50, you can make highergains are tax free.contributions than individuals under the ageThere is no required minimum distribution—of 50.you don’t have to make withdrawals at theThere are no income limits to establish aage of 72.self-directed IRA. You can contribute lessBecause there is no RMD, your account canthan the maximum contribution, and are notcontinuously grow without interruption—yourequired to make yearly IRA contributions,can then pass the account over to yourbut you cannot make up the difference in thebeneficiaries.following tax year.Distributions are tax free if the account is openEven if you are covered by an employer-for five years and you’re at least age 59 1 2.sponsored plan, you can contribute to a SelfDirected IRA.Not everyone can establish a Self-DirectedRoth IRA, as there are income restrictions.You can make a withdrawal without penalty atYour Modified Adjusted Gross Income (MAGI)the age of 59 1 2; however, income tax wouldmust be within a certain limit. If you’re marriedbe due on the amount of the distribution.and filing jointly, your MAGI is lower than if youWhen you reach age 72, you must begin toare single. However, you can still rollover fundsmake a required minimum distribution (RMD)from a traditional IRA into a Roth IRA.each year. To calculate your RMD, divide youroverall IRA account balance as of December31 of the previous year by the applicabledistribution period.
Traditional vs. Roth:who benefits most?TraditionalRothEveryone can benefit from a TraditionalInvestors who are younger, haveSelf-Directed IRA. Investors may find itconfidence in their investmentfavorable if they don’t feel confidentperformance, or are currently in a lowinvesting in Wall Street.tax bracket.SDIRA forsmall businessesSelf-employed individuals and small business owners with few employees may qualify for agovernment-sponsored retirement plan.SIMPLE IRASEP IRAA Savings Incentive Match Plan for EmployeesA Simplified Eligible Participants (SEP) IRA is(SIMPLE) IRA is best suited for start-ups andbest suited for selfemployed individuals andsmall business employers with no currentsmall business owners who have no fulltimeretirement plan. An employer can establishemployees (excluding a spouse or businessthis incentive-match plan if he/she has fewerpartner). This plan allows a participant tothan 100 employees who receive at leastmake profit sharing contributions as an 5,000 in compensation from the employerindividual, sole proprietorship or singlefor the proceeding calendar year.member LLC.
Do everythingin our app1. Open an accountSign up in minutes with our app andopen a self-directed account or call usat 800-472-0646.2. Roll Over FundsTransfer or rollover of your retirementfunds and assets from your currentinstitution to the trust company.3. InvestInvest in alternative assets like realestate, as well as traditional assets likestocks with your IRA.At IRA Financial Group, our IRA and ERISA specialistswill help you set up your Self-Directed IRA.They will complete all necessary IRA rollover paperwork and helpyou transfer your funds to the new custodian. Your funds andassets will be available to you in a matter of days.
Custodian vs. CheckbookcontrolEstablishing a CheckbookCheckbook ControlWhen you establish a Self-Directed IRA withIf you prefer not to experience delays or highera custodian or passive custodian, you cancustodial transaction fees, you may benefitchoose the Custodian Control or Checkbookmost from this structure.Control structure. Both structures allow youto make nontraditional investments and haveTo make alternative asset investments, youmore control over your retirement funds. Themust establish an LLC (limited liability company).level of control depends on which structureYour IRA will own the LLC and you will be theyou choose.manager, letting you authorize any transactionwithout custodian consent.Custodian ControlWith this structure, you can make investmentsin non-traditional assets like real estate andThe LLC can have its own bank account. Yourfunds will be moved directly into the newlyestablished LLC bank account with the help ofprecious metals, as well as traditional ones.a passive custodian. The LLC provides you withHowever, before you make any transaction,more control. When you see an investmentyou will need the consent of the custodian.This can cause some delays, and you will alsohave to pay transaction fees.If you’re a moderately active investor and donot expect to have a high degree of transactionactivity, we recommend this structure.greater access to your funds and, ultimately,opportunity, simply write a check or wire thefunds from the LLC bank account.Many investors like this structure because itlets them make immediate investments, andgives them more limited liability protection.As a result, creditors will not be able to attackassets outside of the LLC.
Why you need acustodianAn IRA can only be establishedand administered by a bank,financial institution, orauthorized trust companypursuant to state law.Passive IRA CustodianThe custodian for Self-Directed IRAs is passiveand allows IRA holders to engage in nontraditional investments. It does not offerinvestment advice or sell investment products;An IRA trustee, also called a custodian, is theit earns its fees from the custody andinstitution that administers your retirementadministration of IRS approved alternativeaccount. By law, every IRA must have aasset investments owned by an IRA or othercustodian or trustee.retirement plan.IRA CustodianIRA Financial TrustThe IRA custodian is responsible for maintainingIRA Financial Trust (our sister company) is aand administering the IRA. To this end, it ispassive custodian. Our business model istasked with the responsibility of complyingcentered on helping IRA investors use theirwith all IRS reporting requirements withfunds to invest in IRS approved alternativerespect to the IRA, such as the filing of IRSassets.Forms 5498 and 1099-R.Banks and financial institutions that offer IRAsWe provide services for custodian controlledand checkbook controlled Self-Directed IRAs,generally permit their clients to invest inincluding assistance transferring funds,traditional assets, such as stock, mutual funds,free tax consultations, and much more.and exchange traded funds because they earnfees that way. The IRA custodian has the rightto decide which types of assets it will allow itsclients to invest in.Are you ready to establish yourSelf-Directed IRA? Give us a call!1-800-472-0646
Disqualified PersonsStay IRScompliantThe IRC states that you cannot perform atransaction with your IRA that directly orindirectly benefits a disqualified person.Disqualified persons generally include: you(IRA holder), your ancestors and linealProhibited Transactionsdescendants, entities of which a disqualifiedperson owns 50%. You can find the list ofAs new investment options emerge, such asdisqualified persons under IRC section 4975,cryptocurrencies, the IRS must continuouslyor IRS publication 590.update the tax code. As a result, the IRSdoesn’t tell investors what investments arepermitted—they only state what investmentsare prohibited. These are known as the prohibitedtransaction rules.There are two types of investments you can’tmake with a Self-Directed IRA: life insuranceand collectibles.Collectibles include: works of art, baseballcards, jewelry, stamps, gems, certain coins.You can find a full list of collectibles under IRCsection 408(m).UBTI RulesMost passive investments that your SDIRAmakes are exempt from the unrelated businesstaxable income tax (UBTI or UBIT). However,there are some types of income that may besubject to the tax, including: income fromthe operations of an active trade or businessthrough a passthrough entity, such as an LLC;using a non-recourse loan to purchase aproperty (there is an exception for a 401(k)plan); using margin on a stock purchase.UBTI RulesProhibited TransactionsIt is possible to co-invest your IRA; however, wePurchasing life insurance and collectibles areThe IRS rules are intricate and it’s possible totwo types of prohibited transactions. The thirdtrigger a prohibited transaction. We advisetype of prohibited transaction concerns thosethat you work with professionals beforehand,that are direct or indirect. You can find directsuch as IRA Financial Group. Our specialistsand indirect prohibited transactions under IRChave the expertise to help you circumvent thesection 4975, or IRS publication 590.rules to stay IRS compliant.don’t recommend that you do it on your own.
ExperienceOur company has over a decadeof experience helping more than16,000 clients in all 50 states investover 4.6 billion in alternative assetinvestments.The IRAFinancialDifferenceResourcesIRA Financial Group wasFounder Adam Bergman is thecreated by a former taxnation’s leading voice of selfdirectedattorney to help investorsretirement accounts. He has authoredtake control of their7 books, including the first book onretirement funds, and workscryptocurrency investments with ato educate their clientsSelf-Directed IRA or 401(k). As a client,about their retirement.you will receive all 7 books and aspot for his exclusive live webinars.AssuranceWhen you establish an account,your 401(k) specialist will help youcomplete all necessary documents,agreements, as well as provide freeand unlimited consultations.IRA Financial AppUse the free IRA Financial App toset up and maintain your account.Everything is done on a secure,encrypted platform. Self-directinghas never been easier.Our Books
Testimonials“My wife and I have decided to take control of our own IRAs. UsingIRA Financial Group has been very simple. Our account manager isvery accessible and responsive. The service received compared to theprice paid is very good.”—William Davis, Oregon—“Thank you so much! You and your team have made this a wonderfulexperience for us. We are very grateful for your step by step help. Wehave already shared our testimony with our family and friends! I reallyappreciate all the links you shared and the reminders along the way. Iam excited to start earning income from the rental and I know that theincome will provide us with additional security in an uncertaineconomy! Thanks again for all your help, we couldn’t have done thiswithout you!”—The Padillas, California—“My experience with IRA Financial Group has been excellent. From thestart they were prompt to answer calls and emails, answer questionsand follow through at every step of the setup of my account. They areprofessional, knowledgeable and helpful in all aspects of providingexcellent service. I highly recommend IRA Financial Group!”—Tina Hanssen, Indiana—
Getting started iseasy with IRA FinancialTo establish aSelf-Directed IRA with us,you can use our app, call,or email a specialist.Our app lets you quicklyand easily establish youraccount, and makesmaintenance a breeze.Get StartedContact Usirafinancialgroup.comHours of Operation:1-800-472-06469:00am—7:00pm ESTinfo@irafinancial.comMonday—Friday1691 Michigan Ave., Suite 415Miami Beach, FL 33139
Work with IRA Financial. The Self-Directed IRA. 1.Introduction to the Self-Directed IRA 2.How You Can Benefit 3.Investment You Can Make 4.Traditional vs. Roth Self-Directed IRA 5.Self-Directed IRA for Small Businesses 6.Do Everything in Our App 7.Custodian vs. Checkbook Control 8.Why You Need a Custodian 9.Stay IRS Compliant
SEP IRA and SARSEP IRA - I acknowledge this excess contribution was the result of an employer excess contribution (SEP IRA) or an excess employee salary deferral contribution (SARSEP IRA). Based on IRS regulations, the excess contribution has been re-designated as a traditional IRA contribution and I elect to remove the amount as a traditional IRA.
Initial Value of IRA: 200,000 Convert in 2014 to Roth IRA A Traditional IRA may be converted to a Roth IRA, but income taxes are generally paid on the taxable amount of the Traditional IRA converted to Roth IRA. In exchange, qualified distributions from the Roth IRA are received income tax-free. Traditional IRA No Conversion Taxes Roth IRA
Initial Value of IRA: 200,000 Convert in 2018 to Roth IRA A Traditional IRA may be converted to a Roth IRA, but income taxes are generally paid on the taxable amount of the Traditional IRA converted to Roth IRA. In exchange, qualified distributions from the Roth IRA are received income tax-free. Traditional IRA No Conversion Taxes Roth IRA
Yes, you can rollover to a self-directed IRA or SD 401k. I have a Traditional IRA with a bank or brokerage. Yes, you can transfer to a self-directed IRA or SD 401k. I have a Roth IRA with a bank or brokerage. Yes, you can transfer to a self-directed Roth IRA. I inherited an IRA and keep the account with a brokerage or bank as
holder (you). As manager of your self-directed IRA LLC, you have the authority to make real estate investment decisions on behalf of your IRA on your own without needing the consent of an IRA custodian. With a self -directed IRA LLC with "Checkbook Control' you will be able to buy real estate by simply writing a check.
Updates to a Traditional IRA designation also apply to a Rollover IRA and vice versa. A Rollover I RA is a Traditional IRA that only contains assets rolled over from a former qualified retirement plan. 2 Retirement plans include: Traditional IRA, Rollover IRA, Roth IRA, SEP IRA, SARSEP IRA, SIMPLE IRA, 403(b), 457(b), and
* Retirement accounts include: Traditional/Rollover IRA, Roth IRA, SEP IRA, SARSEP IRA, SIMPLE IRA, 403(b), 457(b), and any Beneficiary Accounts in these plans. Updates to a Traditional IRA designation also apply to a Rollover IRA and vice versa. A Rollover IRA is a Traditional IRA that only contains assets rolled over from a former qualified .
additif a en fait des effets secondaires nocifs pour notre santé. De plus, ce n’est pas parce qu’un additif est d’origine naturelle qu’il est forcément sans danger. Car si l’on prend l’exemple d’un champignon ou d’une plante toxique pour l’homme, bien qu’ils soient naturels, ils ne sont pas sans effets secondaires.
