SELF DIRECTED I.R.A.

Self directed I.R.A.s give you the ability to invest in many different asset classes. These types of programs are  excellent for the type of person who wants to exercise better control of their retirement future. Our services include referrals to well planned groups as well solutions for investors looking to have good returns on investments who are interested in obtaining self directed management with capital in excess of 50,000. Once properly opened and administered a self directed I.R.A. is a fantastic way to build retirement income. We have access to many well recognized third party administrators and fiduciaries as well  for a list of recommended people in our network please call us toll free at 877-775-0812

• SEP-I.R.A. is a program which allows a self employed person to combine retirement contributions with another I.R.A. preventing a far more complicated plan to be administered.

• Keogh plans are for self employed people to make a pre-taxed contribution towards their retirement plan. There are two programs distinctly different within this plan so please call to be aware of the circumstances that vary based on on some employment factors.

• SIMPLE I.R.A. is a type of tax advantaged employer provided retirement plan that allows employees to set aside thier money and invest it to grow for later use.Employers will make a salary deduction along with the normal social security and medicare deductions.

• SELF DIRECTED I.R.A. A self directed indvidual retirement account is an account that you can directly control and that allows you to choose the investments of your choice if they pass the Internal Revenue Service prohibited transactions requirements then you have the ability to direct or control asset management within your 401K.There are many restrictions on what can and cannot be done so please call to speak to one of our experts.

 With the choices available and needed compliance information regarding a self directed I.R.A. we recommend you call one of our retirement advisors to fully understand the regulations and restrictions for this. We have access to fiduciaries, third party administrators, custodians and relevant related professionals.  If you would like more information on how to invest your 401(K) safely with low or no risk call the experts toll free at 877-775-0812 You also may send your questions or schedule a free initial consultation via our contact tab below.

SELF DIRECTED IRA RULES

The Internal Revenue Service has set forth rules in their publication IRS Publication #590 regarding what are allowable and acceptable forms of investment to be held in a Self Directed Investment Retirement Account the publication is lengthy and should be ordered from the IRS publication clearing house for full understanding of its contents along with speaking to one of our qualified consultants. We have listed some of the most common No No's below but highly recommend contacting us  to discuss your plans.

Prohibited transactions penalties are very severe and the following is a list of the most commonly fined and requested investments that DO NOT belong in a Individual Retirement Account;

•  An I.R.A. cannot invest in a Life Insurance Contract ( on the owner of the I.R.A.) Pools of Life insurance contracts or private placements are permitted in a self directed I.R.A. plan. 

• An IRA cannot invest in collectibles such as Artwork, Rugs, Antiques, Metals, Gems, Stamps, Coins,Alcohol beverages, Certain other tangible personal property,

**EXCEPTION, The most notable exception to the above referenced items concerns; An IRA can invest in one, one half, one quarter or one Tenth ounce US Gold Coins or one ounce Silver coins minted by the U.S.Treasury Department. It can also invest in certain Platinum coins, certain Gold, Silver,Palladium and Platinum Bullion

DISQUALIFIED PARTIES

Disqualified parties cannot personally benefit from your Self Directed Investment Retirement Account this includes you, your spouse, any lineal descendants or ascendants, any entity with combined ownership greater than 50% by a disqualified person(s)                     Here are some examples of disqualified investments;

• Investing in a home that you or any lineal descendants/ascendants plan to live in right now

• Personally guaranteeing a mortgage for your IRA

• Paying yourself from proceeds generated from the IRA's investment

Disqualified parties cannot personally benefit from your IRA's investment nor can they provide benefits directly to the IRA (making capital improvements on a rental property) If you are not sure of what to do or you are unsure if violating the self directed rules and are potentially violating the law. Call a qualified plan custodian before making the investment.
If you would like more information on how to invest your 401(K) safely with low or no risk call the experts toll free at 877-775-0812 You also may send your questions or schedule a free initial consultation at your own convenience via our website The401Kman.com