Feb 06, 2021

Our Simple Business Model...

...Extremely low-cost access to the information you need.When it comes to funding a private investment from within an IRA, many investors "don't know what they don't know." And while the process of making a private investment in an IRA account is straightforward, the consequences of a misstep can be very costly.We have 3 basic service offerings that are designed to help you overcome any anxiety you may feel when self-directing your IRA account:Schedule a Call: You can start... more

Oct 02, 2021

IMPORTANT: Proposed Legislation Could Limit Private Investments in IRA Accounts

Recently I published an article on Medium.com about the unintended consequences of hastily drafted changes to the Build Back Better legislation currently being considered by Congress. These changes, if they remain in the final bill, will create a serious financial hardship to individuals that hold private investments in their IRA accounts.Many custodians and other interested parties are offering model letters for those impacted by these changes to send to their members of Congress. Frankly,... more

Jun 24, 2021

SDIRA Tip: Consider the Impact of Capital Calls on Fees

When selecting a custodian, many SDIRA investors overlook the potential impact that capital calls may have on custodial fees.  Although capital calls do not increase the number of assets held in the IRA account, there are often transaction fees associated with fulfilling each call.In the majority of cases (depending on each custodian’s policies), it should not be necessary for the IRA account holder to complete subscription documents repeatedly for each capital... more

Feb 10, 2021

PE#3: Estimating Impact of UDFI in a Private Real Estate Syndication

Assignment: Patron wanted to invest his IRA into a private real estate syndication that utilizes debt leverage.  Patron wanted to know the impact, if any, of UDFI tax on the net return he might expect.Work Performed: Utilized proprietary Cash Flow Analyzer® Pro software to model the investment and determine estimated UBIT related to the investment.Outcome: Provided patron with report generated by the software that included data inputs, intermediate calculations, and projected net... more

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Feb 06, 2021

Where to Find UBIT Calculators

Feb 06, 2021

PE#2: Cost-Effective Custodian for Both Traditional and Roth IRA Accounts

Assignment: Patron wanted to use both a Traditional and Roth IRA account in order to meet the minimum investment amount needed for a real estate fund.Work Performed: Phone discussions and emails with patron, various custodians, and investment sponsor.Outcome: Explained to patron and investment sponsor the requirements for using both a Traditional and Roth IRA to invest in the same entity.  Because of the necessity to open two SDIRA accounts, worked with patron to find the most... more

Feb 06, 2021

PE#1: How to Invest 401(k) in Primary Residence?

Assignment: Patron had been told that a 401(k) could be used to convert a primary residence into tax-deferred rental income property and wanted to know how to do this.Work Performed: Scheduled 20-minute phone call to discuss.Outcome: Explained Section 4975 of the Internal Revenue Code to the patron and why this particular transaction would not be allowed. Suggested 3 alternative approaches that might achieve the patron's objectives while still being allowable by IRS... more

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PE#1: How to Invest 401(k) in Primary Residence?
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