Self-Directed IRAs & 401(k)s. What Your Stock Broker Never Told You

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1 Self-Directed IRAs & 401(k)s What Your Stock Broker Never Told You 2015

2 Your Stock Broker or Mutual Fund Company says! You can buy what?! Stocks! Mutual Funds! Bonds! Maybe options, commodities or other publicly traded securities 2

3 What Can You Really Buy?! All the things your broker mentioned plus a whole lot more:! Businesses or LLCs,! Partnerships,! Mortgage notes,! Tax liens,! Tax deeds,! Land,! Rental houses,! Apartments or condominiums, and! International properties. 3

4 What You Can t Buy?! There are only a few things you can t buy:! Antiques,! Artwork,! Alcoholic Beverages,! Coins,! Gems,! Metals! Rugs,! Stamps,! Some other types of personal property! That leaves everything else fair game. 4

5 What is an IRA?! Individual retirement arrangement - IRA! IRS Publication 590 and 560 IRS.gov! Retirement plans for individuals and businesses! Could be tax deductible, tax deferred, or tax free.! Two things required: 1. Earned income 2. A social security number! Why Invest Using an IRA: 1. Taxes 2. Compounding 3. Diversify your portfolio 5

6 Which IRA Plan is Right for You?! Traditional! Roth! Small Business Plans SEP-IRA, SIMPLE IRA! Individual Plans Solo 401(k) Plans 6

7 How Much Do You Want to Contribute? Contribution Limits (under 50 years old) <50 Traditional Roth SIMPLE SEP Solo 401k 2014 $5500 $5500 $12000 $52000 $17500/$ $5500 $5500 $12500 $53000 $18000/$53000 Contribution Limits (over 50 years old) >50 Traditional Roth SIMPLE SEP Solo 401k 2014 $6500 $6500 $14500 $52000 $23000/$ $6500 $6500 $15500 $53000 $24000/$59000 Notes: <50 = Less than 50 years old; >50 = Greater than 50 years old. SIMPLE Savings Incentive Match Plan for Employees; SEP - Simplified Employee Pension Plan Traditional = Traditional IRA; Roth = Roth IRA; Solo 401k = Individual 401(k) retirement plan 7

8 Are You and Individual or Business? Do You Want a Deduction Now? Traditional Roth SIMPLE SEP Solo 401k Entity Individual Individual Business Business Indiv./Business Now Yes No Yes Yes Yes and No Deferred Yes No Yes Yes Yes and No Tax Free No Yes No No Yes and No 8

9 When is a Traditional IRA Deductible? Year Work/Plan Married Single Separate 2015 Yes $ $ $ $71000 $0 - $10000 No $ $ Unlimited $0 - $ Yes $ $ $ $70000 $0 - $10000 No $ $ Unlimited $0 - $10000 Notes: 1. If you are single and have no qualified retirement plan at work, your IRA contribution is fully deductible. 2. If you are married and your spouse has a retirement plan, your contribution is fully deductible if your combined income is less than $ for

10 You Are NOT Your IRA?! Your IRA is like a business or a trust account.! It is a separate entity.! You are merely the beneficiary.! Your IRA will have its own tax I.D. number! You will title real estate like this: Equity Trust Company Custodian FBO Michael Williams IRA 10

11 Don t Put Your Hands in the Cookie Jar. Prohibited Transactions! Your IRA cannot purchase, lease or exchange real estate that you or your business own.! You are a disqualified person, so are these:! Your spouse, father, mother, son, daughter, grandfather, grandmother, grandchildren! Anyone else designated as a beneficiary to your IRA! You cannot use a property purchased by your IRA for personal benefit, such as a vacation home, residence or office you can check on your investment.! You cannot invest in a S-Corp. 11

12 How Do You Get Started?! Step 1. Select a Trustee or Facilitator.! Step 2. Fund the account.! Step 3. Select your investment.! Step 4. Contact your trustee fill out a direction of investment.! Step 5. Have your trustee send payment to the investment company, attorney or representative.! Step 6. Make sure distributions or capital gains go back to your IRA account. Repairs and taxes will have to be paid by your trustee.! Step 7. Let it ride until 59 ½ and you can start withdrawing money. 12

13 Financing a Property - UBTI! Unrelated Business Taxable Income (UBTI)! IRS Publication 598! Example:! Your IRA buys an investment property for $60000! Your IRA puts down $24000! You find a nonrecourse lender or owner financing for the remaining $36000! In one year you sell the lot for $100000! Part of the sale is taxable and part is not! $36000/$60000 = 60% so 60% of $ is taxable or $

14 You and Your IRA Buy! Is that possible?! Yes, as tenants in common NOT as joint tenants! You would always maintain your percentage of ownership and your IRA would maintain a separate ownership.! Example:! Your IRA buys 50% ownership in a $60000 beach front lot for $30000! You put down $30000 (50%). Your 50% ownership is separate.! When you sell, you will receive 50% of the profit and your IRA will receive 50%. 14

15 Checkbook control with LLCs! LLCs and business structures:! How to setup an LLC 1. Select a State we like Nevada, Delaware or Wyoming. 2. Select a Name make sure it s not taken. 3. Fill out the articles of organization and submit to the State. 4. Create an operating agreement. 5. Get a business tax I.D. number. 6. Set up a bank account. To Use with an IRA the LLC must be new:! Manager-based and 100% owned by the IRA! You can be the Manager or you can designate an attorney or accountant. 15

16 Solo 401(k)s! For individuals or businesses with no employees! Salary deferral portion can be Roth or Traditional! Matching funds or profit sharing (20% or 25%)! Most of the same prohibited transactions.! Extra Benefits:! No income requirements like IRAs! You can invest in S-corps, life insurance and some collectibles! You can obtain a loan and not trigger the UBTI rules. 16

17 Trust Companies! Equity Trust Company: Pensco Trust Company: Sterling Trust Company: The Entrust Group: Millenium Trust Company: Trust Administration Services: TruSource: 17

18 Self-Directed IRA Resources! IRS Publication 590-A Contributions: Premium Report on IRAs: 18

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