REAL ESTATE IRAS. Ò Presented by Mark Gannon

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "REAL ESTATE IRAS. Ò Presented by Mark Gannon"

Transcription

1 REAL ESTATE IRAS Presented by Mark Gannon Gannon Real Estate has helped persons with IRA funded farm real estate purchases but does not recommend certain companies or receive compensation for referring clients to IRA custodians. Potential clients that are interested in these services will need to independently review these transactions and custodians.

2 REAL ESTATE IRAS What is a self-directed IRA or self-directed retirement account? The term "self-directed" is not a technical or legal term, but a descriptive term about how the IRA is managed. "Self-directed" essentially means that the IRA owner or someone appointed by the IRA owner makes all the investment choices and decisions for the IRA. You can open a self-directed IRA at a brokerage firm or with an alternative asset custodian like PENSCO Trust Company. The primary difference is that brokerage firms and traditional banks that offer self-directed IRA services generally restrict investments to exchange-traded assets. What is an alternative asset or investment? An alternative asset is an asset which is not bought and sold (i.e., traded) through the various market exchanges. You probably know exchange-traded assets more commonly as stocks, bonds, options and mutual or exchange-traded funds (ETFs). With PENSCO Trust Company as your custodian, you can invest in real estate, private placements, promissory notes, precious metals, commodities, and many other alternative assets, even cattle or restaurant franchises. Private placements is a non-public offering of an investment vehicle that acts as a way to raise capital. Securities regulations allow exemption for selected types of private placements. Smaller private offerings can be done where there are less than 35 investors and when the public is not solicited (e.g., friends and family rounds of financing). The most common type of private placements are those involving closelyheld private companies. It has been estimated that 75% of new businesses formed in the United States are funded through such private placements. Promissory Note (but not to a "disqualified person)

3 WHY INVEST IN ALTERNATIVE ASSETS IN AN IRA OR RETIREMENT ACCOUNT? There are clear benefits to investing in real estate, private placements, promissory notes, and other alternative assets in a retirement account. Tax deferral - Alternative assets in your IRA get the same tax treatment as "traditional" assets. In other words, these investments grow tax-deferred. If held in a Roth IRA, your capital gains and interest earned are tax free. Because in most cases, you are not taxed until retirement in a tax-deferred account, your return on investment can accumulate faster, and that accumulated return may be reinvested tax deferred. Diversification is a way to reduce risk in your investment portfolio (as in the saying "don't put all your eggs in one basket"). Alternative assets can provide greater diversification because your investment choices are nearly limitless and may not be tied to the market cycles of exchange-traded investments such as stocks, bonds, and mutual funds. You're in control

4 BUYING REAL ESTATE WITH IRA CASH A completed and signed Real Estate Investment Authorization Form Settlement statement (signed by the account owner) Preliminary Owners' Title Report (less than three months old) Copy of the proposed conveyance deed (proposed) Contract or Purchase Agreement (signed by the account owner) Escrow Instructions (if applicable), account owner must sign each document as "read and approved" Property Management Agreement (if an investment property) Transfer or rollover assets from another custodian, also provide the existing deed and title policy (owners) If the account owner has arranged financing for his/her retirement plan to purchase this property, provide promissory note (non-recourse note only), deed of trust/ mortgage, and an amortization schedule (payment schedule) All documents should be drawn up in the name of the plan and signed by the account owner as "read and approved." As the buyer for the benefit of the IRA, the Conveyance Deed and Title Policy should read: "PENSCO Trust Company Custodian FBO + [Accountholder name] + IRA" ("Retirement Plan" may be substituted for "IRA" where appropriate) After Closing, PENSCO Trust Company will require the following documents: Original recorded deed Title policy (if applicable)

5 PROHIBITED TRANSACTION BASICS There are some investment types and transactions that the IRS prohibits in a taxdeferred account or plan. In general, a prohibited transaction is any improper use of your tax-deferred account by you, your beneficiary, or any disqualified person. Any transaction that benefits you or a transaction that benefits someone you know who is deemed a disqualified person by the IRS, is prohibited. Prohibited transactions Collectibles, such as, art, antiques, stamps, gems, rugs, or anything the U.S. Treasury Department deems to be a collectible Life insurance The stock of a Sub-Chapter S Corporation Viatical settlements General partnerships Auction transactions (includes real estate auctions) Self-dealing Those types of prohibited transactions are often referred to as "self-dealing." Essentially, your IRA retirement can't conduct transactions which benefit you, your direct family, or your business. If you do, your IRA will lose its tax-deferred status and you'll be taxed and have to pay penalties. Real Estate (That is considered a prohibited transaction) You can't hold property in your IRA or other tax-advantaged retirement account that you or other disqualified persons live in, plan to live in, or use in any way while that property is held in your retirement account. The property must be for investment purposes only.

6 PROHIBITED TRANSACTION BASICS (CONT D) Disqualified persons include members of your family who are your ancestors (e.g., your mother, grandfather), direct lineal descendants (e.g., your children, grandchildren) and their spouses, and your fiduciary. (Siblings not considered disqualified persons) The IRS defines a fiduciary as anyone who: Exercises any discretionary authority or discretionary control in managing your IRA or exercises any authority or control in managing or disposing of its assets Provides investment advice to your IRA for a fee, or has any authority or responsibility to do so Has any discretionary authority or discretionary responsibility in administering your IRA

7 WHO IS A FIT FOR RE IRAS? They understand and are probably already active in the real estate market they want to participate in They are generally more independent from most Organized and like taking control of their investment

8 FARMLAND IRA SCENARIOS Rollover $750,000 from Qualified Plan Buy $400,000 in land (4-5% return plus possible appreciation) The other $350,000 can be self-managed by owner or he/she can direct their financial advisor to direct these investments Land can be sold anytime without tax consequences or 1031 exchange

9 FARM OPERATOR SCENARIOS Farmers are not allowed to farm the land in their IRA Farmer buys land in IRA. Leases to a friend who in turn leases a farm owned by him in exchange. Farmer buys land outside of his local area where rent pressures from friends and relatives are not as high.

10 RENTAL OR NON-FARM PROPERTY Homes Apartments Vacation Rentals Bare land at the edge of city Foreclosures

11 IRA CUSTODIANS (PARTIAL LIST) Iowa Banks DeWitt Bank and Trust, DeWitt, Ia Boone Bank and Trust, Boone Ia First Citizens Trust Company, Mason City, Ia National Companies - Pensco Trust ( - Equity Trust ( - IRA Financial Group ( - Plus many others can be seen on web searches

SELF-DIRECTED REAL ESTATE DEALS

SELF-DIRECTED REAL ESTATE DEALS SELF-DIRECTED REAL ESTATE DEALS 1 THE SELF DIRECTED IRA Using an investment tool called a Self-Directed IRA, you can move beyond stocks, bonds, and mutual funds and create a portfolio that truly works

More information

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

Self-Directed IRAs & 401(k)s. What Your Stock Broker Never Told You Self-Directed IRAs & 401(k)s What Your Stock Broker Never Told You 2015 Your Stock Broker or Mutual Fund Company says! You can buy what?! Stocks! Mutual Funds! Bonds! Maybe options, commodities or other

More information

Self-Directed IRA Rules and Regulations. Your Blueprint for Building Continued Success

Self-Directed IRA Rules and Regulations. Your Blueprint for Building Continued Success Self-Directed IRA Rules and Regulations Your Blueprint for Building Continued Success Knowing the Rules is the Foundation for Success While a self-directed IRA offers nearly limitless investment options,

More information

Self-Directed IRAs Made Easy

Self-Directed IRAs Made Easy Self-Directed IRAs Made Easy All information provided is for discussion purposes only. Please consult your tax advisor before entering into any financial transactions. About Advanta IRA As the nation s

More information

AN INVESTOR S GUIDE. Private Equity Investing Using a Tax-Advantaged Account

AN INVESTOR S GUIDE. Private Equity Investing Using a Tax-Advantaged Account AN INVESTOR S GUIDE Private Equity Investing Using a Tax-Advantaged Account Savvy investors realize that private equity can deliver significant rewards. When those investments are held in a tax-advantaged

More information

What types of retirement accounts can be moved into Check Book IRA accounts?

What types of retirement accounts can be moved into Check Book IRA accounts? Check Book IRA Put the "I" back in your IRA FAQ Frequently Asked Questions What is a Self-Directed IRA Custodian? A self-directed IRA custodian is approved by the IRS but you are allowed to direct the

More information

Build Your Business with Self- Directed IRAs

Build Your Business with Self- Directed IRAs 1 Build Your Business with Self- Directed IRAs Connection Wednesday, August 29 th, 11:30 CST objectives 2 WHAT are self-directed IRAs WHEN can retirement accounts own real estate WHY real estate make sense

More information

Why a Self-Directed IRA?

Why a Self-Directed IRA? Growing Wealth For investors ready to manage their own money in a tax-advantaged vehicle, nothing makes as much sense as a self-directed IRA. And no other self-directed IRA plan makes as much sense as

More information

Can I purchase real estate in my IRA? Yes.

Can I purchase real estate in my IRA? Yes. Can I purchase real estate in my IRA? Yes. Why does my current IRA brokerage firm say I can t buy real estate in my IRA? Custodians determine the type of assets they will hold and may not choose to hold

More information

Invest your IRA in Non-Traditional Assets

Invest your IRA in Non-Traditional Assets Invest your IRA in Non-Traditional Assets Security Trust Company Security Trust Company is a retirement plan administrator only and does not provide legal, tax, or investment advice. Security Trust Company

More information

Traditional IRA s Contribution rules-

Traditional IRA s Contribution rules- A Traditional IRA is a retirement plan that allows you to save money for retirement. In the case of a traditional IRA, you may also be offered an immediate tax shelter for the contributions that you make

More information

The Checkbook IRA - Welcome to Freedom

The Checkbook IRA - Welcome to Freedom The Checkbook IRA - Welcome to Freedom Contents Self directed IRA accounts Benefits and Guidelines IRA LLC Structure How can it benefit me? Creative Investment Possibilities How Much does it cost? What

More information

10 Steps to a Self Directed IRA LLC

10 Steps to a Self Directed IRA LLC FREE REPORT!! Learn the Process Necessary to Setup and Operate a Self Directed IRA LLC with Checkbook Control 10 Steps to a Self Directed IRA LLC What YOU Need to Know About Setting Up a Self Directed

More information

The Checkbook IRA Invest Like a Billionaire www.premieroffshore.com

The Checkbook IRA Invest Like a Billionaire www.premieroffshore.com The Checkbook IRA Invest Like a Billionaire Contents Offshore Checkbook IRA LLCs Benefits and Guidelines How it Works Tax Benefits of Going Offshore Invest Like a Pro How Much does it cost? Summary What

More information

AN INVESTOR S GUIDE: Tax-Advantaged Private Equity Investing

AN INVESTOR S GUIDE: Tax-Advantaged Private Equity Investing AN INVESTOR S GUIDE: Tax-Advantaged Private Equity Investing Tax-Advantaged Private Equity Investing Institutions and financial professionals have long realized that private equity can deliver significant

More information

Self-Direct Your Retirement with Real Estate!

Self-Direct Your Retirement with Real Estate! Self-Direct Your Retirement with Real Estate! Brought to you by: Presented By: Michael McNair Trust Officer IRA Services Trust Company Silicon Valley REIG Webinar Tuesday, March 5, 2013 DISCLAIMER This

More information

Self-Directed IRA s Made Easy

Self-Directed IRA s Made Easy Self-Directed IRA s Made Easy Entrust Freedom, LLC 4560 Via Royale#1 Fort Myers, FL. 33919 Phone: (239) 333-1031 Toll Free: (866) 839-0429 www.entrustfreedom.com About Entrust Freedom, LLC Principal Expertise

More information

Real Estate IRAs Made Easy

Real Estate IRAs Made Easy Real Estate IRAs Made Easy About Advanta IRA As the nation s premier self-directed individual retirement arrangement (IRA) administrator, the regional offices of Advanta IRA have over 25 years of experience

More information

Retirement Options: guide to Individual Retirement Accounts through Lending Club

Retirement Options: guide to Individual Retirement Accounts through Lending Club Retirement Options: guide to Individual Retirement Accounts through Lending Club This material is provided for informational purposes only. Information in this brochure is not directed to the specific

More information

SELF DIRECTED IRA PERSONAL LOANS

SELF DIRECTED IRA PERSONAL LOANS SELF DIRECTED IRA PERSONAL LOANS Self directed ira personal loan Self-Directed IRA Loans. At Merchants. We now have a portfolio product for investors looking to do rehab property loans utilizing their

More information

AMERICAN IRA. The Time to Take Control is Now. Contact us: (P) IRA (472) (E) AmericanIRA.

AMERICAN IRA. The Time to Take Control is Now.  Contact us: (P) IRA (472) (E) AmericanIRA. The Key to Your Financial Future Is Available. Investing with self-directed retirement plans is easy. Our team is looking forward to serving you. The Time to Take Control is Now Contact us: (P) 866.7500.IRA

More information

The Advantages Of A Self Directed IRA For Investment Real Estate. Presented By Bob Malecki

The Advantages Of A Self Directed IRA For Investment Real Estate. Presented By Bob Malecki The Advantages Of A Self Directed IRA For Investment Real Estate Presented By Bob Malecki Contents Facts and History Benefits of Self Directed IRAs SDIRA Types & Setup Investment Options Guidelines My

More information

4. My (CPA, attorney, broker, friend) said that buying and selling real estate in my self-directed retirement plan was illegal. Why?

4. My (CPA, attorney, broker, friend) said that buying and selling real estate in my self-directed retirement plan was illegal. Why? Got questions? We have answers. FAQ's 1. Is it legal to purchase non-traditional assets using my self-directed IRA? The answer is yes! The Employee Retirement Income Security Act (ERISA) of 1974 passed

More information

Presents: The Solo 401(k) Plan The Ultimate Retirement Solution for the Self Employed January 2012

Presents: The Solo 401(k) Plan The Ultimate Retirement Solution for the Self Employed January 2012 Presents: The Solo 401(k) Plan The Ultimate Retirement Solution for the Self Employed January 2012 Disclaimer: The information provided in this presentation/document is not legal advice, but general information

More information

MULTI FAMILY FUND Investing in US Real Estate in a Self-directed IRA

MULTI FAMILY FUND Investing in US Real Estate in a Self-directed IRA MULTI FAMILY FUND Investing in US Real Estate in a Self-directed IRA Marc Mathys, Attorney-at Law An estimated 3 trillion dollars are investing in stocks, bonds, mutual funds and CD s with tax deferred

More information

THE SELF- DIRECTED SOLO 401(K) RETIREMENT PLAN

THE SELF- DIRECTED SOLO 401(K) RETIREMENT PLAN THE SELF- DIRECTED SOLO 401(K) RETIREMENT PLAN www.navbrs.com PH: 888-801-2336 By: Mat Sorensen & Kevin Kennedy, Attorneys KKOS Lawyers ~ Navigator Business & Retirement Services Disclaimer & About Us

More information

HOUSE OF REPRESENTATIVES STAFF ANALYSIS REFERENCE ACTION ANALYST STAFF DIRECTOR

HOUSE OF REPRESENTATIVES STAFF ANALYSIS REFERENCE ACTION ANALYST STAFF DIRECTOR HOUSE OF REPRESENTATIVES STAFF ANALYSIS BILL #: HB 1141 Conveyances of Land SPONSOR(S): Stargel TIED BILLS: None IDEN./SIM. BILLS: SB 1434 REFERENCE ACTION ANALYST STAFF DIRECTOR 1) Civil Justice Committee

More information

A Quick Guide to Real Estate IRAs. American IRA, LLC

A Quick Guide to Real Estate IRAs. American IRA, LLC A Quick Guide to Real Estate IRAs American IRA, LLC Declare independence from Wall Street! Self-directed IRAs and other retirement accounts let you take personal control of your assets. YES! You CAN Own

More information

Self-Directed Real Estate IRA 101: How Does a Real Estate IRA Investment Actually Work? EQUITY TRUST COMPANY

Self-Directed Real Estate IRA 101: How Does a Real Estate IRA Investment Actually Work? EQUITY TRUST COMPANY Self-Directed Real Estate IRA 101: How Does a Real Estate IRA Investment Actually Work? EQUITY TRUST COMPANY 1 PART I Self-Directed Real Estate IRA 101: How does a real estate IRA actually work? gets into

More information

PURCHASING REAL ESTATE IN A SELF DIRECTED IRA OR QUALIFIED PENSION PLAN. By Maurice M. Glazer, CEO GLAZER FINANCIAL NETWORK

PURCHASING REAL ESTATE IN A SELF DIRECTED IRA OR QUALIFIED PENSION PLAN. By Maurice M. Glazer, CEO GLAZER FINANCIAL NETWORK PURCHASING REAL ESTATE IN A SELF DIRECTED IRA OR QUALIFIED PENSION PLAN By Maurice M. Glazer, CEO GLAZER FINANCIAL NETWORK In today s market or lack of market, most baby boomers have most of their retirement

More information

Presented by: DMITRIY FOMICHENKO. President 949-228-9393. Dmitriy@SenseFinancial.com. Sense Financial Services LLC

Presented by: DMITRIY FOMICHENKO. President 949-228-9393. Dmitriy@SenseFinancial.com. Sense Financial Services LLC Presented by: 1 Presented by: DMITRIY FOMICHENKO President Sense Financial Services LLC 949-228-9393 Dmitriy@SenseFinancial.com Sense Financial Services LLC is not a fiduciary and does not provide legal,

More information

Real Estate IRA Frequently Asked Questions

Real Estate IRA Frequently Asked Questions Real Estate IRA Frequently Asked Questions Simply put, a self-directed individual retirement account (IRA) gives you the freedom, flexibility, and choice of how to invest your hard-saved dollars. A real

More information

DIRECTION LETTER. Type of payment (capital call, foreclosure fees, property taxes, etc.)

DIRECTION LETTER. Type of payment (capital call, foreclosure fees, property taxes, etc.) DIRECTION LETTER IRA Holder Account # I have read and understand Prohibited Transactions in Self-directed IRAs (page 3). I will not personally benefit from this investment while it is held in my IRA. IRA

More information

Creating Wealth with your IRA and Real Estate. Summary Guide

Creating Wealth with your IRA and Real Estate. Summary Guide Creating Wealth with your IRA and Real Estate Summary Guide The Self Direct IRA and its Connection to Real Estate Investment While some busy professionals may choose to invest every extra penny they have

More information

USING YOUR IRA TO BUY REAL ESTATE

USING YOUR IRA TO BUY REAL ESTATE USING YOUR IRA TO BUY REAL ESTATE (a.k.a. Self Directed IRA) Frequently Ask Questions Page 1 Contents How do I use my IRA to buy Real Estate?... 3 What is a Self-Directed IRA?...3 Why haven t I heard of

More information

THE KINGDOM TRUST CO. Self-Directed IRA. Achieving Investment Diversity. TIM KUHMAN General Counsel, Kingdom Trust

THE KINGDOM TRUST CO. Self-Directed IRA. Achieving Investment Diversity. TIM KUHMAN General Counsel, Kingdom Trust THE KINGDOM TRUST CO. Self-Directed IRA Achieving Investment Diversity TIM KUHMAN General Counsel, Kingdom Trust 1 Dear Retirement Investors: Thank you for accepting our offer of this free ebook. By accepting

More information

THE SELF-DIRECTED PLAN FOR BUSINESSES, SELF-EMPLOYED INDIVIDUALS, AND MORE.

THE SELF-DIRECTED PLAN FOR BUSINESSES, SELF-EMPLOYED INDIVIDUALS, AND MORE. SOLO 401(K) OVERVIEW THE SELF-DIRECTED PLAN FOR BUSINESSES, SELF-EMPLOYED INDIVIDUALS, AND MORE. The Solo 401(k) works much the same as traditional 401(k) plans offered by large companies, as well as SEP

More information

Learn to Become a More Profitable Investor! Real Estate & IRAs Don t Miss Out

Learn to Become a More Profitable Investor! Real Estate & IRAs Don t Miss Out Learn to Become a More Profitable Investor! Real Estate & IRAs Don t Miss Out By Rich & Jeff Desich Most real estate investors aren t aware that they can use retirement savings, such as IRAs, 401(K) and

More information

Real Estate Info Packet

Real Estate Info Packet Real Estate Info Packet Dear Investor, Thank you for your interest in a CamaPlan for your self-directed investment needs. If you are someone looking to take control of your financial future and invest

More information

Saving for Retirement. Your guide to getting on track.

Saving for Retirement. Your guide to getting on track. Saving for Retirement Your guide to getting on track. 2 It s great that you re looking ahead and thinking about retirement now. A sound plan can make all the difference in reaching your future goals. This

More information

SELF-DIRECTED RETIREMENT PLAN LOANS

SELF-DIRECTED RETIREMENT PLAN LOANS SELF-DIRECTED RETIREMENT PLAN LOANS Presented By: Ryan Sahd Senior Vice President FirstBank 4/13/2015 1 TWO BENEFITS Knowing about Self-Directed IRAs benefits: 1. You By putting your real estate expertise

More information

Retirement Account i. i Real Estate BUYING REAL ESTATE

Retirement Account i. i Real Estate BUYING REAL ESTATE BUYING REAL ESTATE To assist you with your Real Estate purchase, Trust Company () has compiled the following list of things that you should be aware of that may delay processing or could cause your request

More information

Self-Directed IRAs, The Best Kept Secret

Self-Directed IRAs, The Best Kept Secret Free Special Report: Self-Directed IRAs, The Best Kept Secret Dear Reader, Thank you for responding to our offer for a special report. At this time next year, you will be richer for the information you

More information

Alternative Retirement Financial Plans and Their Features

Alternative Retirement Financial Plans and Their Features RETIREMENT ACCOUNTS Gary R. Evans, 2006-2013, November 20, 2013. The various retirement investment accounts discussed in this document all offer the potential for healthy longterm returns with substantial

More information

INVESTMENT BANKING S T R A T E G I E S I N H I G H Y I E L D T A X L I E N S A N D R E A L E S T A T E D E E D S

INVESTMENT BANKING S T R A T E G I E S I N H I G H Y I E L D T A X L I E N S A N D R E A L E S T A T E D E E D S INVESTMENT BANKING S T R A T E G I E S I N H I G H Y I E L D T A X L I E N S A N D R E A L E S T A T E D E E D S Legally Conveniently Inexpensively Anonymously make a personal fortune investing in unsold

More information

Grow Your Wealth and Achieve Financial Freedom

Grow Your Wealth and Achieve Financial Freedom Grow Your Wealth and Achieve Financial Freedom Guide to Self-Directed Retirement Investing Table of Contents Introduction 3 Why an IRA? 4 Self-Directed IRA: Total Control 6 Individual Self-Directed IRAs

More information

Real Opportunity. Purchase Real Estate With Your IRA THE KINGDOM TRUST CO. www.kingdomtrustco.com

Real Opportunity. Purchase Real Estate With Your IRA THE KINGDOM TRUST CO. www.kingdomtrustco.com Real Opportunity Purchase Real Estate With Your IRA THE KINGDOM TRUST CO. inside part 1 Introduction Poor performance and a volatile stock market leave some investors wanting to take more control over

More information

Self-Directed Real Estate IRA 101: How Does a Real Estate IRA Investment Actually Work?

Self-Directed Real Estate IRA 101: How Does a Real Estate IRA Investment Actually Work? Self-Directed Real Estate IRA 101: How Does a Real Estate IRA Investment Actually Work? PART I Self-Directed Real Estate IRA 101: How does a real estate IRA actually work? gets into the nittygritty details

More information

RETIREMENT ACCOUNTS (c) Gary R. Evans, 2006-2011, September 24, 2011. Alternative Retirement Financial Plans and Their Features

RETIREMENT ACCOUNTS (c) Gary R. Evans, 2006-2011, September 24, 2011. Alternative Retirement Financial Plans and Their Features RETIREMENT ACCOUNTS (c) Gary R. Evans, 2006-2011, September 24, 2011. The various retirement investment accounts discussed in this document all offer the potential for healthy longterm returns with substantial

More information

Your Guide to Real Estate in an IRA

Your Guide to Real Estate in an IRA Louisville Realty Associates Robert Kelly 815 Walnut Street A Louisville, CO 80027 720-284-9211 www.louisvillerealtyassociates.com Your Guide to Real Estate in an IRA Information is provided by New Direction

More information

Frequently Asked Questions

Frequently Asked Questions The Real Estate IRA Frequently Asked Questions Simply put, a self-directed individual retirement account (IRA) gives you the freedom, flexibility, and choice of how to invest your hard-saved dollars. A

More information

May 2, 2008 Pennsylvania Realty Transfer Tax No. RTT-08-003 Substitution of IRA Custodian Transfer from IRA Custodian to IRA Owner

May 2, 2008 Pennsylvania Realty Transfer Tax No. RTT-08-003 Substitution of IRA Custodian Transfer from IRA Custodian to IRA Owner May 2, 2008 Pennsylvania Realty Transfer Tax No. RTT-08-003 Substitution of IRA Custodian Transfer from IRA Custodian to IRA Owner ISSUES: 1. Is a deed that evidences the change in a person s individual

More information

The below fees apply to Traditional IRAs, Roth IRAs, SEP IRAs, and Coverdell Education Saving Accounts: $70,000 - $99,999 $200 +.0025 of market value

The below fees apply to Traditional IRAs, Roth IRAs, SEP IRAs, and Coverdell Education Saving Accounts: $70,000 - $99,999 $200 +.0025 of market value PENSCO TRUST COMPANY www.penscotrust.com 866-818-4IRA (4472) takecontrol@pensco.com 450 Sansome Street, Fl. 14 San Francisco, CA 94111-3306 IRA Fee Schedule The below fees apply to Traditional IRAs, Roth

More information

Real Estate IRAs: Secrets Revealed by Dick Desich

Real Estate IRAs: Secrets Revealed by Dick Desich Real Estate IRAs: Secrets Revealed by Dick Desich EQUITY TRUST COMPANY Thank you for requesting my free mini-course, Real Estate IRAs: Secrets Revealed. Now that we re in the second decade of the century,

More information

Investing for Retirement

Investing for Retirement Investing for Retirement Asset Allocation Rollovers Dr. Suzanne Badenhop Professor/Extension Specialist College of Agriculture Understanding investing for retirement Asset Allocation Diversification Rebalance

More information

Self-Directed Retirement Accounts. Tax Lien Investing

Self-Directed Retirement Accounts. Tax Lien Investing Self-Directed Retirement Accounts & Tax Lien Investing Security Trust Company & Paul Vojchehoske of the Real Estate Resource Institute Security Trust Company Security Trust Company is a retirement plan

More information

Self-Directed Retirement Accounts. Non-recourse Lending

Self-Directed Retirement Accounts. Non-recourse Lending Self-Directed Retirement Accounts & Non-recourse Lending Security Trust Company & Jason Zook North American Savings Bank Security Trust Company Security Trust Company is a retirement plan administrator

More information

Real Estate Investments with your Self-Directed IRA

Real Estate Investments with your Self-Directed IRA Real Estate Investments with your Self-Directed IRA Table of Contents Introduction 2 Self- Directed IRA Basics 3 Investments Allowed in a Self-Directed Retirement Plan 4 Disallowed Investments in a Self-Directed

More information

Financial Planning Basics Financial Planning Fundamentals

Financial Planning Basics Financial Planning Fundamentals Financial Planning Basics Financial Planning Fundamentals An Overview of the Financial Planning Process The Ground to Cover Setting goals Budgeting Emergency fund Insurance Using credit Investing Tax planning

More information

Self-Directed IRA. Investing Guide. Combine IRA tax advantages with alternative investment opportunities.

Self-Directed IRA. Investing Guide. Combine IRA tax advantages with alternative investment opportunities. Self-Directed IRA Investing Guide Combine IRA tax advantages with alternative investment opportunities. Self-Dir ected IRAs and more... Self-Directed IRAs and more... Contents INTRODUCTION BENEFITS OF

More information

Thank you for responding to our offer for a special report. At this time next year, you will be richer for the information you are about to read!

Thank you for responding to our offer for a special report. At this time next year, you will be richer for the information you are about to read! Dear Reader, Thank you for responding to our offer for a special report. At this time next year, you will be richer for the information you are about to read! In this report, we will look at how you can

More information

Potential Pitfalls in IRA Money Movement and Non Public Investments

Potential Pitfalls in IRA Money Movement and Non Public Investments ADVISORS JOURNAL (August 2010, Current Comment 10 36) Potential Pitfalls in IRA Money Movement and Non Public Investments Owners of IRAs and other types of qualified plan accounts are allowed a great deal

More information

Q&A with Natalie Choate: Buying Real Estate from a Self-Directed IRA

Q&A with Natalie Choate: Buying Real Estate from a Self-Directed IRA Q&A with Natalie Choate: Buying Real Estate from a Self-Directed IRA Natalie Choate 06-09-06 Natalie Choate is the author of "The 100 Best and Worst Planning Ideas for Your Client's Retirement Benefits,"

More information

PRIVATE BANKING CREATE YOUR OWN PRIVATE BANK. Legally Quickly Conveniently Inexpensively Anonymously

PRIVATE BANKING CREATE YOUR OWN PRIVATE BANK. Legally Quickly Conveniently Inexpensively Anonymously PRIVATE BANKING CREATE YOUR OWN PRIVATE BANK Legally Quickly Conveniently Inexpensively Anonymously Why Pay Someone Else To Manage Your Retirement? Proven Secrets To Wealth The National Commission on Retirement

More information

Basic Investment Terms

Basic Investment Terms Because money doesn t come with instructions.sm Robert C. Eddy, CFP Margaret F. Eddy, CFP Matthew B. Showley, CFP Basic Investment Terms ANNUITY A financial product sold by financial institutions pay out

More information

Total Control IRA 1. Elite Pensions, LLC. How To. Available Assets

Total Control IRA 1. Elite Pensions, LLC. How To. Available Assets How To Wish you could invest in real estate with your retirement account to earn tax-deferred or tax-free income? Using Real Estate Investors Find Ways to Put Pension Money Into Real Estate Last year,

More information

Self-Directed IRAs Empowering Individuals to Unlock Their Portfolio Options

Self-Directed IRAs Empowering Individuals to Unlock Their Portfolio Options Self-Directed IRAs Empowering Individuals to Unlock Their Portfolio Options This Research Document is provided by Provident Trust Group LLC, a Self-Directed IRA custodian and administrator located in Las

More information

Overview. Growing a Real Estate Portfolio. Risks of Real Estate Investing

Overview. Growing a Real Estate Portfolio. Risks of Real Estate Investing Overview Over the past decade, Strongbrook has established a reputation as an industry leader in assisting clients with placing and managing real estate within their investment and retirement portfolios.

More information

How to Quickly Open a Self Directed IRA so You Can Invest in Real Estate, Notes and Deeds of Trust

How to Quickly Open a Self Directed IRA so You Can Invest in Real Estate, Notes and Deeds of Trust How to Quickly Open a Self Directed IRA so You Can Invest in Real Estate, Notes and Deeds of Trust IRA funds are typically invested in public traded stocks, bonds, mutual funds and money markets, but can

More information

In Roth We Trust Investing Tax Free with a Self Directed Roth IRA May 30, 2012

In Roth We Trust Investing Tax Free with a Self Directed Roth IRA May 30, 2012 Presents In Roth We Trust Investing Tax Free with a Self Directed Roth IRA May 30, 2012 Disclaimer: This presentation is intended only as a general discussion of these issues. It is not considered to be

More information

Private Money Blueprint Coaching Program. Communicate With Us. My Background. Module 6 Using IRA Money and Pooling Funds

Private Money Blueprint Coaching Program. Communicate With Us. My Background. Module 6 Using IRA Money and Pooling Funds Private Money Blueprint Coaching Program Module 6 Using IRA Money and Pooling Funds Communicate With Us Susan susan@theinvestorinsights.com Trevor trevor@thereibrain.com Patrick patrick@mustknowinvesting.com

More information

Updated Custodial Agreement and Disclosure Statement for UBS IRAs

Updated Custodial Agreement and Disclosure Statement for UBS IRAs Updated Custodial Agreement and Disclosure Statement for UBS IRAs We have updated the custodial agreement and disclosure statement for UBS Individual Retirement Accounts (IRAs). The changes made to these

More information

Use of Retirement Accounts to Finance Investment Real Estate Acquisition. Jeff O BrienO Mansfield Tanick & Cohen, P.A.

Use of Retirement Accounts to Finance Investment Real Estate Acquisition. Jeff O BrienO Mansfield Tanick & Cohen, P.A. Use of Retirement Accounts to Finance Investment Real Estate Acquisition Jeff O BrienO Mansfield Tanick & Cohen, P.A. What is an IRA? An individual retirement account (IRA) is the blanket term for a form

More information

IRA opportunities at UBS

IRA opportunities at UBS IRA opportunities at UBS IRAs are highly popular and effective retirement savings vehicles that give your investment earnings the benefit of tax-favored treatment and provide an ideal supplement to employer-sponsored

More information

How to Setup a Self-Directed IRA

How to Setup a Self-Directed IRA How to Setup a Self-Directed IRA You may have an IRA, or may have heard a lot about IRA s. They are pretty common nowadays, where you can walk into just about any bank or credit union and open one. But

More information

Estate Planning. Insight on. The basics of basis. Does a private annuity have a place in your estate plan? Estate tax relief for family businesses

Estate Planning. Insight on. The basics of basis. Does a private annuity have a place in your estate plan? Estate tax relief for family businesses Insight on Estate Planning June/July 2015 The basics of basis Basis planning can result in significant tax savings Does a private annuity have a place in your estate plan? Estate tax relief for family

More information

Grow Your Wealth Tax-Free

Grow Your Wealth Tax-Free Grow Your Wealth Tax-Free Guide to Self-Directed Retirement Investing Table of Contents Introduction 3 Why an IRA? 4 Self-Directed IRA: Total Control 6 Individual Self-Directed IRAs 8 Small Business and

More information

EMPLOYEE STOCK OWNERSHIP PLANS

EMPLOYEE STOCK OWNERSHIP PLANS EMPLOYEE STOCK OWNERSHIP PLANS AN EXTRAORDINARY FINANCIAL AND EMPLOYEE BENEFIT TOOL FOR THE CLOSELY-HELD COMPANY Ice Miller LLP Legal Counsel 2013 Ice Miller LLP All Rights Reserved TABLE OF CONTENTS PART

More information

ESTATE PLANNING WORKSHEET

ESTATE PLANNING WORKSHEET ESTATE PLANNING WORKSHEET Please complete the following worksheet and mail it to my office prior to our initial meeting, or e-mail it, or bring it with you. At the end of the worksheet is a list of documents

More information

Caution: Special rules apply to certain distributions to reservists and national guardsmen called to active duty after September 11, 2001.

Caution: Special rules apply to certain distributions to reservists and national guardsmen called to active duty after September 11, 2001. Thorsen Clark Tracey Wealth Management 301 East Pine Street Suite 1100 Orlando, FL 32801 407-246-8888 407-897-4427 thorsenclarktraceywealthmanagement@raymondjames.com tctwealthmanagement.com Roth IRAs

More information

Using Your Retirement Accounts for Private Lending. American IRA, LLC

Using Your Retirement Accounts for Private Lending. American IRA, LLC Using Your Retirement Accounts for Private Lending American IRA, LLC Declare independence from Wall Street! Self-directed IRAs and other retirement accounts let you take personal control of your assets.

More information

2014-2015 Entrust Account Guide

2014-2015 Entrust Account Guide 2014-2015 Entrust Account Guide Helping You Direct Your Future Account Guide Individual Retirement Accounts Traditional and Roth IRAs Go To Section Small Business Retirement Accounts SEP and SIMPLE IRAs

More information

Retirement Planning- Providing Financial Security for Farmers in Transition. Ohio Farm Example to Avoid

Retirement Planning- Providing Financial Security for Farmers in Transition. Ohio Farm Example to Avoid Retirement Planning- Providing Financial Security for Farmers in Transition Don Breece Farm Management Specialist OSU Extension Ohio Farm Example to Avoid 70 year old couple still milking cows, but need

More information

Meeting FINRA and the SEC s Current Standards of Care for Suitable IRA Rollovers. Kirk W. Francis, CFP AIF QPFC kwf@crossgroup.com

Meeting FINRA and the SEC s Current Standards of Care for Suitable IRA Rollovers. Kirk W. Francis, CFP AIF QPFC kwf@crossgroup.com Meeting FINRA and the SEC s Current Standards of Care for Suitable IRA Rollovers Kirk W. Francis, CFP AIF QPFC kwf@crossgroup.com -Excerpt from Examination Priorities letter from FINRA. January 6,2015.

More information

Your pension benefit options

Your pension benefit options 2 Your pension benefit options Traditional pension plans generally provide the option of a lump-sum payment or a fixed monthly payment for life through an annuity. The fixed monthly payment amount is usually

More information

A Quick Guide to Gold IRAs. American IRA, LLC

A Quick Guide to Gold IRAs. American IRA, LLC A Quick Guide to Gold IRAs American IRA, LLC Declare independence from Wall Street! Self-directed IRAs and other retirement accounts let you take personal control of your assets. YES! You CAN Own Gold

More information

The Webinar will be starting shortly.

The Webinar will be starting shortly. Rev. 9-24-2014 The Webinar will be starting shortly. 8:45am CST or 1:00pm CST Just a Reminder: This is copyrighted material. No audio or video recording is permitted without prior written permission from

More information

premiere select Rollover IRA Invest in your retirement today.

premiere select Rollover IRA Invest in your retirement today. premiere select Rollover IRA Invest in your retirement today. Leaving your current job can be challenging in any environment. For many of us, it can also be a bit overwhelming. That s why it s comforting

More information

BUYER S GUIDE TO FIXED DEFERRED ANNUITIES

BUYER S GUIDE TO FIXED DEFERRED ANNUITIES BUYER S GUIDE TO FIXED DEFERRED ANNUITIES Prepared by the National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory

More information

Understanding the taxability of investments

Understanding the taxability of investments Understanding the taxability of investments Managing your portfolio to help control your tax bill Investors need to consider many factors in the process of choosing investments. One at the top of many

More information

Self-Directed Retirement Accounts. 1031 Exchange Investments

Self-Directed Retirement Accounts. 1031 Exchange Investments Self-Directed Retirement Accounts & 1031 Exchange Investments Security Trust Company & James Brennan Esq., LL.M. Exchange Solutions Group Security Trust Company Security Trust Company is a retirement plan

More information

Your Retirement Plan Distribution. How Your Decisions Today Affect Your Future. Retirement Plans

Your Retirement Plan Distribution. How Your Decisions Today Affect Your Future. Retirement Plans Your Retirement Plan Distribution How Your Decisions Today Affect Your Future Retirement Plans About Stifel Nicolaus Stifel Nicolaus is a full-service Investment firm with a distinguished history of providing

More information

Build a Strong Financial Future

Build a Strong Financial Future The Principal Financial Group Build a Strong Financial Future LIFE INSURANCE AS AN ASSET Building a strong financial future You work hard to build financial security for you and your family. Are you considering

More information

Federal Tax and Capital Gains: Rates Over Time

Federal Tax and Capital Gains: Rates Over Time Preparing for a World of Higher Taxes Are You Ready? Presented by: Matt Sommer, CFP, CPWA, AIF Director and Senior Retirement Specialist, Retirement Strategy Group C-0610-114 4-30-11 Federal Tax and Capital

More information

Part VII Individual Retirement Accounts

Part VII Individual Retirement Accounts Part VII are a retirement planning tool that virtually everyone should consider. The new IRA options also have made selecting an IRA a bit more complicated. IRA Basics The Traditional IRA is an Individual

More information

EMPLOYEE STOCK OWNERSHIP PLANS

EMPLOYEE STOCK OWNERSHIP PLANS EMPLOYEE STOCK OWNERSHIP PLANS AN EXTRAORDINARY FINANCIAL AND EMPLOYEE BENEFIT TOOL FOR THE CLOSELY-HELD COMPANY Copyright 2015 Olson Mills Law Firm, LLC All Rights Reserved PART TOPIC PAGE INTRODUCTION...1

More information

Fixed Deferred Annuities

Fixed Deferred Annuities Buyer s Guide to: Fixed Deferred Annuities National Association of Insurance Commissioners 2301 McGee St Suite 800 Kansas City, MO 64108-2604 (816) 842-3600 1999, 2007 National Association of Insurance

More information

Minimum distribution. Making it simple

Minimum distribution. Making it simple Minimum distribution Making it simple Required minimum distributions What you need to know What are required minimum distributions?... 03 TIAA-CREF s Minimum Distribution Option (MDO)... 04 Is the Minimum

More information

Take Control with a Self-Directed IRASM

Take Control with a Self-Directed IRASM Take Control with a Self-Directed IRASM Answers to Investors Top 50 Questions Self-directed IRAs allow individuals to take control of their financial plans by investing in real estate they can see and

More information

QUEST Financial Communications

QUEST Financial Communications Page 1 of 7 Having trouble viewing this email? Click here Volume 10 - Issue 1 November 2013 This Issue: New Options for IRA Investments Significant Tax Free Income Reverse Mortgage Line of Credit for Cash

More information