A “Secret Tool” For Building Your Retirement Portfolio

If you’ve retired or have a retirement account from a past employer, you can roll over money in your traditional 401K or IRA into a Self-Directed IRA (SDIRA) and gain checkbook control over your funds.

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Haven’t heard of an SDIRA?

That’s because Wall Street and most financial professionals don’t benefit from it, so they don’t advertise it. They want your money locked in the stock market to collect fees and commissions.

But with money in an SDIRA, you can take money out of the stock market and invest in other qualified assets, including real estate!

What Exactly Is a Self-Directed IRA?

Self-directed IRAs (SDIRA) give owners complete control over their retirement funds and investing decisions. These plans can use alternative investments, like real estate, to create diversity and build retirement wealth.

The power of SDIRAs compared to traditional IRAs or 401Ks:

• SDIRA investments are not limited to stocks, bonds, and mutual funds.

• SDIRA can invest in many alternative assets not available in traditional brokerage IRA accounts.

• Account owners—not advisors, brokers, or plan custodians—choose their own investments they personally know and understand.

• You have checkbook control over your retirement funds. Whenever you need to fund qualified investments, you write a check or initiate a wire transfer.

Why Should You Self-Direct Your IRA or 401K?

Additional investment capital:

You won’t miss that next hot investment because you don’t have the personal funds to invest. Use your retirement plan funds to invest in real estate and earn tax-advantaged income for your golden years.

Control of your retirement funds and decisions:

When you invest in things you know and understand, you increase your odds of success. Self-direction allows you to call the shots instead of relying on someone else to decide.

Alternative investments create critical diversity:

Self-direction presents the opportunity to step off Wall Street. You can invest in multifamily apartments to grow your income and avoid the stock market's volatility.

Tax-free or tax-deferred growth:

Income generated by assets in your plan, including capital gains, flows into your SDIRA on a tax-sheltered or tax-reduced basis. This allows you to build your wealth faster and gives you more funds to reinvest.

So, How Do You Establish Your SDIRA?

Before making any kind of self-directed investment, you must first open an account with a provider and fund it to get started. If you are rolling over funds from another custodian, it typically takes up to four weeks to complete, so plan accordingly.

We can refer you to knowledgeable, self-directed providers, as working with an experienced and knowledgeable administrator is essential. From there, they can walk you through setting up your SDIRA.

Many of these investments have complexities, and it’s essential to have an experienced self-directed administrator who understands all the rules for you.

After you have your SDIRA created and moved money into it…the fun begins! From there, you can access exclusive investment opportunities to invest in and grow your retirement account.