Self-Directed IRA Investment Possibilities Investment Creativity with Security Trust Company
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1 Self-Directed IRA Investment Pssibilities Investment Creativity with Security Trust Cmpany
2 Security Trust Cmpany Security Trust Cmpany is a retirement plan administratr nly and des nt prvide legal, tax, r investment advice. Security Trust Cmpany is nt a registered investment advisr and des nt represent r sell securities r investments f any kind. Security Trust Cmpany des nt represent r endrse any investment pprtunities that may be shared in this presentatin. Yu shuld cnsult with yur legal, tax and investment advisrs prir t making any investments.
3 Cntents Self-directed IRA Accunts Benefits and Guidelines IRA LLC Structure Creative Investment Pssibilities Security Trust Cmpany Services Q & A
4 Self-Directed IRA Accunts What is a Self-directed IRA? Yu may chse any allwable type f asset Includes nn-traditinal assets like real estate Yu manage yur IRAs investments Yu have cntrl
5 Plans that can be Self-directed Traditinal IRA Rth IRA SEP/SARSEP/SIMPLE 401 k prir emplyer 403 b prir emplyer TSA prir emplyer TSP prir emplyer Kegh Sl 401(k)
6 Benefits f Self-Directin True Diversificatin Include nn-traditinal assets real estate mrtgages & ntes private business Yu chse and cntrl the deals Increase yur buying pwer thrugh leverage Yu may be able t experience a higher return n yur investment
7 Guidelines fr Self-Directing Yur IRA Administrative requirements Annual valuatin f IRA Annual reprt t IRS (5498) Bks and recrds State filings Tax returns
8 Guidelines fr Self-Directing Yur IRA Prhibited assets: Life insurance cntracts Cllectibles - i.e. rugs, wrks f art, stamps, cins
9 Guidelines fr Self-Directing Yur IRA Prhibited transactins: Transactins nt fr the exclusive benefit f the IRA Can t brrw frm IRA Can t pledge IRA assets t secure lan Can t utilize credit r guarantee t btain lan fr IRA Can t benefit any disqualified persn
10 Guidelines fr Self-Directing Yur IRA Disqualified persns: Yu Certain family members Ascendants Descendants Lateral family members are nt disqualified Cmpany if yu wn greater than 50% f stck Cmpany if yu are fficer, directr, HCE
11 Benefits f the IRA LLC Structure Offers maximum flexibility Prvides additinal asset prtectin Checkbk cntrl ver IRA funds Immediate respnse t investment pprtunities Simplifies asset titling Ease f pling
12 Partnering with Others Self Spuse Family members Clleagues LLCs Investment Syndicatins
13 IRA LLC Structure Current Custdian Transfer r Rllver Membership Interests IRA Self- Directed Custdian IRA Funds Persnal Discretinary Investment Funds LLC Investment #1 Investment #2 Investment #3 (IRA is C-Investr With Self)
14 IRA LLC Structure Current Custdian Transfer r Rllver Membership Interests Self- Directed Custdian IRA Funds Investr #1 IRA LLC Investr #2 Investment #1 Investment #2 Investment #3 (Investr #4) Investr #3
15 Chsing an Investment Investment Optins Single/Multi-family hmes Vacatin investment prperty Raw Land/Building Lts Cmmercial Buildings Real Estate Syndicatins Mrtgages/Lans Private Business Investments Operating Businesses Freign Currency/Optins/Futures Stcks/Bnds/Mutual Funds
16 Client Investment Purchase & Rehab fr Sale $500K in Self-directed IRA Prperty purchase price $330K Spent $140K t rehab Sld & increased IRA by $85K
17 Client Investment Rental Prperty Purchase Rentals fr Appreciatin $500K in IRA Purchased 2 rental prperties Apprx. $500K dwn and remainder nnrecurse lans Renting fr break-even+ cash flw Hlding prperty fr appreciatin
18 Investment Optins Real Estate in Freign Cuntries Vacatin cnd in Csta Rica Land develpment pprtunity in Mexic
19 Client Investment Purchase Building Lts-Resell Client had $11,000 in a Rth accunt Purchased building lts fr $5-$10k Marketed the prperties & sld them In 18 mnths did ~ 9 transactins Increased IRA value t $300,000+
20 Example Investment Purchase Building Lts Builder has 30 lt subdivisin 50% cmplete Experiences financial difficulties Remaining lts fr sale at $30k Yu & fur ther investrs pl $100k each Hld lts fr 3 yrs, then sell fr $60k each
21 Example Investment Purchase Building Lts (cnt.) Purchase price 15 lts X $30,000 = $450,000 + $50,000 t carry the lts Sales price = 15 lts X $60k = $900k $900k-$500k = $400k ver 3 yrs $400k/5 investrs = $80,000 increase per investr 80% return ver 3 years
22 Investment Example Cntract fr Sale IRA LLC with $12,000 balance Pay $5,000 fr cntract t purchase prperty fr $200,000 ($25,000 belw cmps) Clsing scheduled in fur mnths Actively market cntract fr higher price Sell cntract in three mnths fr $25k Net $20,000
23 Client Investment Investr Guaranteed Lan IRA makes a Lan Client transferred $100k int a self-directed IRA accunt Laned mney t an investr fr a guaranteed return f 10% Prmissry nte
24 Client Investment Lan Pl Client cntributes $50K t a lan pl Cmpany that lends mney t prfessinal rehabbers 1 st psitin n the lan Secured by prperty Net earnings n lans paid t IRA quarterly
25 Client Investment Oil/Natural Gas Drilling IRA invests ~ $35,000 in a syndicated il/natural gas drilling prject 5 drills If a drill strikes, additinal $5,000-$10,000 investment t cap the well Investment lst if n il/gas fund IRA receives ryalties n prducing wells Strikes n first tw drills
26 Example Investment Lan t Family Member Lan t cusin t purchase hme Recent divrce upsets her financial stability and she can t qualify fr a lan. Needs 2 years t get back n track. $150,000 purchase price 10% dwn frm sale f prir hme Neighbrhd experiencing gd price appreciatin Interest nly lan at 8.0%, principal due in tw years Nearly $11,000 interest/year Secured by real estate
27 Example Investment Private Business Fund expansin f used furniture business Neighbr has a very prfitable stre and wants t expand int a new market Has gd lcatin leased in new market Needs mney fr inventry and wrking capital Yur IRA invests $50,000 fr 33% prfits interest in new stre Stre makes $100,000 per year prviding yur IRA with $33,000 per year in incme Sell yur interest back t yur neighbr in year 5 fr $75,000 Earnings f $190,000 ver 5 years Accunt value grws frm $50k t $240k
28 Grup Investment Syndicatr purchases prperties thrughut the cuntry Sets up LLCs r Partnerships with small grups t invest in the prperties Example: Mixed-use building Invest $100-$120k Allws IRA investr t buy multiple prperties and diversify investments
29 Develper Investment Develper purchases high-rise buildings in metr areas Cnverts t the prperties t cnds Investr buys cnd fr rental Investment amunt frm $200k-$1millin Has investment prgrams ranging frm 18 mnths - 3 yrs
30 Lan Pl Investment Affiliate pls investr funds t create a lan Lan made t develper f raw land Lan secured by the land
31 Security Trust s Full-Service Apprach IRA LLC structure setup Prtected checkbk cntrl CPAs & attrneys t answer technical questins Guidance n transactin cmpliance Handle all the back ffice supprt Maintain LLC financial statements Supervise regulatry reprting Oversee annual valuatin
32 Checklist t set up Yur Accunt Talk with yur Security Trust representative Review yur current retirement accunts Discuss yur investment bjectives Get yur questins answered Cmplete client paperwrk
33 Hw can Security Trust serve yu? D yu want t pen a self-directed IRA nw? have clients r clleagues wh wuld be interested in self-directin? need mre infrmatin?
34 Security Trust Cmpany Cntact yur Security Trust Cmpany representative. Website: Crprate:
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