Apr 27

The Roth Real Estate IRA LLC

A Real Estate IRA LLC is generally also referred to as a Self Directed IRA LLC or a Checkbook Control LLC. In the case of a Real Estate IRA LLC, a limited liability company (“LLC”) is established that is owned by the IRA account and managed by the IRA account holder. The IRA Holder’s IRA funds are then transferred by the Custodian to the LLC’s bank account providing the IRA holder with “Checkbook Control” over his or her IRA funds.

Real Estate is an IRS Approved Investment

The IRS has always permitted real estate to be held inside IRA retirement accounts. Investments with a Real Estate IRA are fully permissible under the Employee Retirement Income Security Act of 1974 (ERISA). IRS rules permit you to engage in almost any type of real estate investment, aside generally from any investment involving a disqualified person.

A Real Estate IRA LLC Offers Checkbook Control

Having checkbook control over your IRA funds will permit you to make real estate investments with your IRA funds. You will no longer be relegated to investing in traditional securities and mutual funds, instead you will have the ability to diversify your investment portfolio and invest in real estate.

A Real Estate IRA Offers Growth Potential

Real Estate IRA LLCA Roth Real Estate IRA can offer the opportunity to greatly accelerate the growth in your retirement portfolio. With a Real Estate IRA you can take advantage of the high growth real estate investment sector while benefiting from the tax free IRA benefits.

As an alternative to the stock market, income-producing real estate properties can provide consistent income as well as long-term gains through appreciation.  There are no limitations on the types of properties that can be held by a Real Estate IRA. A few investment possibilities include residential, commercial, industrial buildings, raw land, foreign real estate and farm land. You can also invest in real estate related notes, liens & options.

Real Estate IRA in Today’s Market

The residential and commercial real estate market has taken a dramatic downturn generally due to the sub-prime mortgage meltdown. While it’s a bad real estate market for current owners and landlords, it’s a great investment market for real estate investors with capital. The Real Estate IRA is perfect for any person looking to diversify their retirement funds by investing in the high growth real estate market. With a Real Estate IRA, you can act quickly on a great real estate investment opportunity. When you find a real estate investment that you want to make with your IRA funds, simply write a check or wire the funds straight from your Self Directed IRA LLC bank account to make the investment. The Self Directed IRA allows you to eliminate the delays associated with an IRA custodian, enabling you to act quickly when the right investment opportunity presents itself.

Use Leverage with your Real Estate IRA

The Real Estate IRA can then be utilized when making a real estate investment all in cash, or may be used when using a non-recourse loan to fund an investment. A non-recourse loan is the only type of loan allowed for a Self Directed IRA. A nonrecourse loan is a secured loan (debt) that is secured by a pledge of collateral, but for which the borrower is not personally liable.

A Real Estate IRA Eliminates or Reduces Custodial Costs

With a Real Estate IRA, you can save a lot of money on custodian fees. When setting up a Real Estate IRA, IRA Financial Group utilizes a passive custodian that charges a very low annual fee and provides excellent customer service.

Setting-Up a Real Estate IRA is Easy

IRA Financial Group makes setting up your Real Estate IRA easy, effortless, and inexpensive.

How it Works

We take care of everything. The whole process can be handled by phone, email, fax, or mail. You can expect the process to set up a Real Estate IRA to take about 15 days. If your current custodian is expedient in releasing your funds, it will take even less time. Additionally, you will have access to our IRA experts for free consultation anytime.  Most importantly, you will find that our fee for this service is significantly less than other companies that perform the same or similar services.

The Real Estate IRA Process

STEP 1: A Real Estate IRA account is established with a passive custodian in preparation of funds being transferred from one or more existing IRA accounts.

STEP 2: A Limited Liability Company (LLC) is formed with the IRA account holder designated as Manager.

STEP 3: The Manager directs all, or a portion, of the retirement funds held by the Passive Custodian into the LLC bank account.

For more information, please contact an IRA Expert @ 800.472.0646!

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Apr 24

RMDs and Real Estate in an IRA

Here’s an article from OregonLive.com that speaks about RMDs and Real Estate in Self-Directed IRAs:

Recently I wrote two columns about the Social Security tax torpedo. It’s a wrinkle in the tax code that surprises some middle-income seniors with a higher tax bill when they take their first Required Minimum Distribution from their IRA.

Those columns prompted this question from John: If you took your regular IRA and made it a self-directed IRA and invested that into real estate, how could the government make you take out an RMD – a required minimum distribution – when you turned 70-and-a-half? I don’t know how they could do that, make you sell part of that real estate and take it out?

My answer: Sure the government can. Holding real estate inside an IRA can cause all sorts of problems if one an investor is not careful, said Ed Slott, who publishes a report on IRAs.

First, a self-directed IRA is still a traditional IRA, subject to RMDs, Slott said. If the owner doesn’t take RMDs, he or she faces a 50 percent penalty on the amount not withdrawn.

“In addition, if all of the IRA funds are invested in real estate (or some other illiquid asset), and there is no other cash available in any other IRA to take the RMDs, … a piece of the real estate would have to be distributed to satisfy the RMD,” Slott said via e-mail. “That also means having at least annual valuations that the IRA has to pay for.”

IRA also owners also face new IRS reporting requirements for hard-to-value assets, mainly to make sure they’re not undervalued, he said. These disclosures are optional this year but will be required in 2015. Finally, if the IRA owner uses the property personally, the IRS could rule it a prohibited transaction.

“This is the worst of all IRA penalties,” Slott said, “since the entire IRA becomes taxable as if you withdrew every cent.”

A better option for real estate exposure: Invest your IRA money in a publicly traded Real Estate Investment Trust, or REIT.

Or just suck it up. Take your RMDs and pay the requisite taxes. The government let you defer taxes on earnings for many years. Now, it wants its money. And there’s not much you can do about it.

If you have any questions, or would like more information about Self Directed IRAs, please contact the IRA Financial Group @ 800.472.0646!

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Apr 23

Guard Against Fraud with Your Self Directed IRA

Fraud Alert Detector

Guard Against Fraud With Your Self-Directed IRA and Solo 401(k) Plan

The IRA Financial Group encourages each investor to review the following questions when considering an investment. Because it is not the responsibility of IRA Financial Group to provide investment analysis or recommendations or to perform due diligence concerning your investment decisions, the questions have been designed to help you in your efforts to evaluate the soundness, prudence and merit of your investments.

Please note that this is not a comprehensive list of questions but simply a starting point. The answers to these questions are not a substitute for your own due diligence. We also strongly encourage investors to make use of legal, tax and financial advisors to support these efforts.

Always take the time you need to understand and evaluate a potential investment. Make sure you understand the investment you will be making and thoroughly understand how the promoter will be able to generate the returns being promised. Also, make sure the promoter of the investment has the necessary qualifications or licenses, if applicable, to offer the investment. Be cautious if a sponsor or advisor uses the affiliation as the reason to make the investment, rather than relying on the underlying merits of the investment or trust in the sales person.

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Apr 21

Types of Self-Directed IRAs

There are essentially three types of Self-Directed IRAs:

1. Financial Institution Offered Self-Directed IRA

The most popular Self-Directed IRA account offered is the financial institution Self-Directed IRA. The reason that this type of Self-Directed IRA is so popular is because generally offered by the major financial institutions, such as Bank of America, Wells Fargo, Fidelity, Vanguard, etc. With this type of Self-Directed IRA, the IRA holder is generally able to only make IRA investments offered by the financial institution which typically only includes financial relates investments, such as stock, mutual funds, and ETFs. Even though these types of IRA accounts are called “Self-Directed IRA” accounts that are very limited in their investment scope and do not allow IRA investors to make any non-traditional investments, such as real estate.

Why do the financial institutions limits the investment options available?

A financial institution that offers IRA accounts is not required to offer its IRA investors with the opportunity to make all allowable types of IRA investments. For example, even though real estate is an IRS approved investment, an IRA custodian is not required or obligated to offer that investment option. Accordingly, most financial institutions offering IRA accounts will restrict the IRA investment option to financial products offered by the financial institution. The reason behind this is quite clear – a financial institution earns fees from the sale of financial products not by allowing its clients to pull money out of the IRA account to buy real estate from a third-party.

Types of Self-Directed IRAs2. Custodian Controlled Self-Directed IRA

A custodian controlled self-directed IRA offers an IRA investor more investment options than a financial institution self-directed IRA. With a custodian controlled Self-Directed IRA, IRA Financial Group would serve as the administrator and custodian of the self-directed IRA administrator and custodian. Unlike a typical financial institution, IRA Financial Group does not sell investment products or investment advice. With a custodian controlled Self-Directed IRA, the IRA funds are generally held with the IRA custodian and the IRA custodian, at the IRA holder’s direction, will then invest those IRA funds. Title to the assets being purchased will be held in the name of IRA Financial Group for the benefit (FBO) the IRA.

Until a 1996 court case, the custodian controlled Self-Directed IRA was the only way one was able to use IRA funds to make a non-traditional investment, such as real estate. In essence with a custodian controlled Self-Directed IRA, IRA Financial Group will be involved in executing the transaction on behalf of the IRA. The custodian controlled self-directed IRA is popular when the IRA will be making a one-time investment, such as a private equity, hedge fund, venture capital fund, or land purchase. However, for investments that are on-going, such as real estate, tax liens, hard money loans, and even precious metals, the self-directed IRA LLC solution has become the popular choice for investors.

3. “Checkbook Control” Self-Directed IRA LLC

In the 1996 case of Swanson vs. Commissioner, 106 T.C. 76 (1996), the tax court gave its blessing to a new type of self-directed IRA structure — the Self-Directed IRA LLC also known as the checkbook IRA. The self-directed IRA LLC structure was then confirmed by Field Service Advice Memorandum (FSA) 200128011 and most recently by the Tax Court in T.L. Ellis, TC Memo. 2013-245, Dec. 59,674(M) (“TC Memo 2013-245”).

With a “checkbook control” Self Directed IRA, the IRA holder (you) will have total control over your IRA funds and you will no longer have to get each investment approved by the custodian of your account like in a custodian controlled Self-Directed IRA. Instead, all decisions are truly yours. When you find an investment that you want to make with your IRA funds, simply write a check or wire the funds straight from your Self Directed IRA LLC bank account to make the investment.

Under the checkbook IRA format, the IRA is set up as a self-directed account that’s capitalized by funds rolled over from your current retirement account. Then, a limited liability company (“LLC”) is created in which your new IRA purchases all the membership units/interests. Now, your money is held in an LLC and you are ready to invest at your discretion. A “checkbook control” Self Directed IRA allows you to eliminate the delays associated with an IRA custodian, enabling you to act quickly when the right investment opportunity presents itself.

With a Self Directed IRA, when you find an investment that you want to make with your IRA funds, simply write a check or wire the funds straight from your Self Directed IRA LLC bank account to make the investment.

The retirement tax specialists have help establish over 8000 self-directed IRA LLC structures and its experience and knowledge in this area is unmatched.  For more information, please contact us @ 800.472.0646 or visit our website today!

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Apr 20

New Podcast – 3 Most Common Mistakes When Using a Self-Directed IRA to Buy Real Estate

IRA Financial Group’s Adam Bergman discusses the most common mistakes when using a self-directed IRA to buy real estate.

IRAFG Logo SmallClick Here to Listen

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Apr 17

Common Roth IRA Mistakes to Avoid

If you have a Roth IRA, or are thinking about opening one up, you should be aware of mistakes that can be made that could cost you thousands of dollars.  Here are a few of the more common mistakes people make.  Roth IRAs are great savings vehicles, but be wary of the rules.

The first consideration is your annual income.  Mistakes can be made if you earn too little or too much during the year.  First off, you cannot contribute more than your earned income during a given year.  Earned income is typically your salary, wages, bonuses tips as well as self-employment money.  Earnings received from such things as capital gains and dividends DO NOT count toward your Roth IRA contribution limit.  For 2015, the maximum allowable contribution is $5,500 ($6,500 if you are over age 50) or your earned income on the year, whichever is less.  Secondly, you cannot directly contribute to a Roth IRA if you earn too much money.  If you are married filing jointly and earn more than $193,000 or if you are single and earn more than $131,000, you may not contribute to a Roth IRA.  Married couples can fully fund a Roth if their combined income is less than $183,000 and singles who earn less than $116,000.  The amount available to contribute decreases as you near the cap.

Excess contributions to a Roth IRA will result in a 6% penalty each year until the mistake is rectified.  Avoid this mistake by either removing the money before filing your taxes or carryover the contribution to the next year.  Note that if you have more than one IRA (whether Roth or Traditional) the maximum contribution is for all IRAs, not per IRA.

Thinking about rolling over a traditional IRA to a Roth IRA?  Be warned that only one rollover is allowed every 365 days (no matter the type of IRAs involved).  This is a new rule for 2015.  Previously, the rule was once per year.  Theoretically, you could’ve performed a rollover on December 31 and again on January 1 of the next year.  In 2015, that could result in the loss of your IRA.

Common Roth IRA Mistakes to AvoidAnother factor to consider when performing an IRA rollover is the 60-day rule.  If your intention is rolling the money from one IRA to another, you have 60 days to perform this action if you take hold of the funds yourself.  If you miss this deadline, the money withdrawn is treated as a distribution and taxes will be due and a 10% early withdrawal penalty is assessed if you are under age 59 1/2.  To avoid this mistake, you should perform a trustee-to-trustee transfer where the money goes directly to the new financial institution of your IRA.  This way, you never take possession of the funds and won’t have to worry about the 60-day rule.

Roth IRAs are not subject to Required Minimum Distribution rules, UNLESS you inherit one from a non-spouse.  If you are a beneficiary of a parent’s Roth IRA, for example, you must follow RMD rules or be subject to a 50% penalty on the amount not taken.

Lastly, like all other retirement plans, you should re-balance your Roth IRA account at least annually.  The fluctuations in the market may cause your asset allocations to change leaving you more (or less) open to risk than you intended.  Re-balancing will put you at a more comfortable risk for your financial goals.

These are just a few of the countless mistakes that can occur with a Roth IRA.  It’s best to deal with a financial advisor or retirement expert to help better understand these rules.  If you have any questions about the Roth IRA, please contact the IRA Financial Group @ 800.472.0646.

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Apr 16

The Checkbook IRA Advantage

Experience the Self-Directed IRA LLC “Checkbook Control” Advantage

Many traditional IRA custodians advertise themselves as offering a Self-Directed IRA, but what that really means is that you will need approval from your custodian before making an investment. Whereas, in the case of a truly Self-Directed IRA, a limited liability company (“LLC”) is established that is owned by the IRA account and managed by the IRA account holder providing the IRA holder with “checkbook control” over his or her funds.

In general, there are three categories of self-directed IRA structures distinguishable by the level of control the custodian exercises over your IRA investments.

1. Financial Institution Self-Directed IRA

With a financial institution self-directed IRA, you are able to direct your IRA investments, however, you are generally limited to investing in the financial products offered by the financial institution. For example, a financial institution such as Vanguard or Fidelity will allow you to select the type of investments for your IRA, but your choices would generally be limited to the financial products they offer, such a stocks, mutual funds, and bonds. With a financial institution self-directed IRA, you will not be permitted to make non-traditional investments such as real estate, precious metals, private business investments, foreign currency, options, etc.

2. Custodian Controlled Self-Directed IRA Without “Checkbook Control”

With a custodian controlled Self-Directed IRA without “Checkbook Control”, many types of nontraditional investments, such as real estate, are generally permitted, however, custodian consent is required in order to enter into and execute the transaction. This typically results in long delays and high custodian fees associated with the transaction. For example, before engaging in an IRA investment, you will be required to receive the consent of the custodian. To this end, you will be required to provide the custodian with the transaction documents for review as part of their transaction review process. As a result, it is common to experience time delays as well as high annual fees as well as additional transaction fees. For example, it is common for a moderately active investor with $50,000 in assets with a Self-Directed IRA custodian without checkbook control to end up paying from $400 to $600 in aggregate annual fees (i.e. account value fee, transaction fees, approval letters).

In addition, there is no guarantee that the custodian will approve your investment even though the investment would not violate IRS rules. Overall, with a custodian controlled self-directed IRA, even though you will generally be permitted to make most non-traditional IRA investments, time delays and high custodian fees are the common characteristics of using a custodian controlled self-directed IRA.

3. Self-Directed IRA LLC with “Checkbook Control

With a truly Self-Directed IRA, you will have total control over your IRA funds and you will no longer have to get each investment approved by the custodian of your account. Instead, all decisions are truly yours. When you find an investment that you want to make with your IRA funds, simply write a check or wire the funds straight from your Self-Directed IRA LLC bank account to make the investment. A truly Self-Directed IRA allows you to eliminate the delays associated with an IRA custodian, enabling you to act quickly when the right investment opportunity presents itself.

With a Self-Directed IRA LLC, a limited liability company (“LLC”) is established that is owned by the IRA account and managed by the IRA account holder. The IRA Holder’s IRA funds are then transferred by the Custodian to the LLC’s bank account providing the IRA holder with “checkbook control” over his or her IRA funds.

The Self-Directed IRA LLC “Checkbook Control” Structure has been in use for over 30 years. The notion of using an entity owned by an IRA to make an investment was first reviewed by the Tax Court in Swanson V. Commissioner 106 T.C. 76 (1996). In Swanson, the Tax Court, in holding against the IRS, ruled that the capitalization of a new entity by an IRA for making IRA related investments was a permitted transaction and not prohibited pursuant to Code Section 4975. The Swanson Case was later affirmed by the IRS in Field Service Advice Memorandum (FSA) 200128011.

With a Self-Directed IRA LLC with “Checkbook Control”, when you find an investment that you want to make with your IRA funds, simply write a check or wire the funds straight from your Self-Directed IRA LLC bank account to make the investment. The Self-Directed IRA allows you to eliminate the delays associated with an IRA custodian, enabling you to act quickly when the right investment opportunity presents itself.

Financial Institution Self-Directed IRA

Custodian Controlled Self-Directed IRA Without “Checkbook Control”

Self-Directed IRA LLC with “Checkbook Control”

Traditional investments options (stocks, mutual funds, etc.)

Yes

Yes

Yes

Nontraditional Investment options (i.e. real estate, precious metals, tax liens, etc)

No

Yes

Yes

Unlimited Investment Options

No

No

Yes

All Investments must be approved by the custodian

N/A

Yes

No

True “checkbook control”

No

No

Yes

Direct Access to your Retirement Funds

No

No

Yes

Limited Liability

No

No

Yes

High annual account fees

No

Yes

No

Transaction fees

No

Yes

No

Bankruptcy Protection of up to $1 million

Yes

Yes

Yes

For more information, please contact an IRA Expert @ 800.472.0646 today!

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Apr 15

Why Choose IRA Financial Group for Your Self Directed IRA?

Expertise: The IRA Financial Group was founded by a group of top law firm tax and ERISA lawyers who have worked at some of the largest law firms in the United States, such as White & Case LLP, Dewey & LeBoeuf LLP, and Thelen LLP. With our work experience at some of the largest law firms in the country, our tax professionals’ retirement plan and tax knowledge in this area is unmatched.

Leadership: IRA Financial Group is the market’s leading* Self-Directed IRA provider. We have helped over 8,000 clients establish IRS compliant Self-Directed IRA and invest over $2.6 billion in alternative assets, such as real estate.

Prestige: IRA Financial Group and its founders have been featured on CBS News, PBS Nightly Business Report, and in over 100 major print publications, including Forbes, Fox Business, the Wall Street Journal, CNN Money, USA Today, The San Francisco Chronicle, Dallas Morning News, Law.com, American Lawyer, the Houston Chronicle, the Chicago Tribune, and many more.

Value: With IRA Financial Group, you no longer have to incur excessive fees to establish and administer an IRS compliant Self-Directed IRA LLC. We are committed to offering our clients customized professional services at a fair and reasonable price and we are able to deliver this by harmoniously blending professionalism, quality and efficiency.

Our Promise: If for any reason you elect to not go through with the Self-Directed IRA LLC structure, you will not be responsible for paying our one-time set-up fee – it’s that simple – no questions asked! Cancel anytime – we understand that in some cases plans change or an anticipated transaction does not materialize and we certainly don’t believe it would be fair to our clients to impose a fee for a structure that won’t be needed.

Access: When choosing the IRA Financial Group, you will have direct and unlimited access to our in-house tax and ERISA professionals, as well as our in-house CPAs. Unlike our competitors, we don’t limit your access to our tax professionals; in fact, you will likely have the opportunity to talk with one of them before you even get started. In addition, each client of the IRA Financial Group is assigned a retirement tax professional to assist in establishing an IRS compliant Self-Directed IRA LLC.

Security: IRS rules require your retirement funds to be transferred from custodian to custodian. We at the IRA Financial Group never have access to your retirement funds in any way. You, as the manager of the IRA LLC, will be the only party with direct access to your retirement funds – true “Checkbook Control”.

Integrity: We are guided by the rules of ethical conduct in all that we do. Our relationships with clients are built on trust, respect, and confidentiality.

Results: We are committed to our clients’ satisfaction and strive to meet and exceed our clients’ expectations.

Guarantee: The IRA Financial Group is fully committed to offering IRS compliant self-directed retirement structures and accordingly offers a full IRS audit guarantee in connection with the validity of the Self-Directed IRA LLC. The IRA Financial Group stands by the legality of the Self-Directed IRA LLC and will fully defend its merits against any IRS audit.

We respect your time! You will never be pestered by a salesperson or receive unsolicited emails!

The mission of IRA Financial Group is to empower prospective clients with relevant information needed to make informed decisions on investment activities conforming to tax law and IRS rules.

We leave the ball in your court to decide if you wish to proceed with us. Of course, we would welcome the opportunity to work with you. If you decide to be our client, we will be here for you step-by-step to set up the right structure for you and to help to make sure you implement it correctly.

Once again, we will not send unsolicited follow-up communications from our tax experts – we just respect your privacy and time.

Get started today: Getting started is quick, easy, and inexpensive. We take a small deposit up front to cover LLC state filing fees, and our one-time set-up fee is only due once the structure has been established. In addition, our fee can be paid in full using your retirement funds.

Self Directed IRA LLC, Solo 401K, Business Acquisition Solution

IRA Financial Group will take care of setting up your entire IRS compliant Self-Directed IRA LLC. The whole process can be handled by phone, email, fax, or mail and typically takes between 7-21 days to complete, the timing largely depending on the state of formation and the custodian holding your retirement funds. Our tax and ERISA professionals are on-site greatly reducing the set-up time and cost.

To learn more about the IRA Financial Group or to set up a Self-Directed IRA, please contact us @ 800.472.0646 today!

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Apr 13

Deadline Approaching for 2014 IRA Contributions

You still have time to contribute to an IRA for 2014.  Wednesday, April 15 is the last day you may fund your IRA for last year and lessen your tax bill as well.  Here are a few FAQs about Traditional IRAs:

Who can set-up a Traditional IRA?

You can set up and make contributions to a Traditional IRA if:

  • You (or, if you file a joint return, your spouse) received taxable compensation during the year
  • You were not age 70 and 1/2 by the end of the year

Is there an age limit on when I can set up and contribute to a Traditional IRA?

Yes – You must not have reached age 70 and 1/2 by the end of the year.

If I earned more than $5,500 in 2014 ($6,500 if I am 50 or older by the end of 2014), is there a limit on how much I can contribute to a Traditional IRA?

Yes. For 2014, you can contribute to a traditional IRA up to:

  • $5,500
  • $6,500 if you are age 50 or older by the end of 2014

There is no upper limit on how much you can earn and still contribute.

Can I make Traditional IRA contributions less than the maximum?

Yes. However, if contributions to your traditional IRA for a year are less than the limit, you cannot contribute more after the due date of your return for that year to make up the difference.

May I file my tax return before making my contributions?

Yes. You can file your tax return claiming a traditional IRA contribution before the contribution is actually made.

What are some tax advantages of an IRA?

Two tax advantages of an IRA are:

  • Contributions you make to an IRA may be fully or partially deductible, depending on which type of IRA you have and on your circumstances.
  • Generally, amounts in your IRA (including earnings and gains) are not taxed until distributed. In some cases, amounts are not taxed at all if distributed.

If you have any questions, please contact an IRA Expert @ 8o0.472.0646 now!

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Apr 10

Buying Foreign and Domestic Real Estate with an IRA

It’s a little-known fact that Real Estate can be purchased with retirement account funds. When using a Self-Directed IRA LLC for investments in real estate, your profits are tax-deferred back into your retirement account. More important, if you have full checkbook control over your Self-Directed IRA LLC, the purchases can be made on the spot as fast as you can write a check. In the case of a Self-Directed Roth IRA LLC, your gains are tax-free and you can take personal ownership of the property tax-free at the age of 59 1/2.

The purchase of Real Estate in today’s marketplace is a surprisingly advantageous investment for a Self-Directed IRA/LLC, since the best deals are typically foreclosures, short sales and estate sales. These characteristics make a perfect investment climate for the individual with full checkbook control of an IRA Financial Group IRA/LLC. In fact, the use of a Self-Directed IRA/LLC is one of the most tax efficient ways to finance your real estate purchase.

Our unique, IRS approved structures, created by IRA Financial Group’s in-house retirement tax professionals are personally customized to suit your individual needs. Only a handful of institutions are skilled in these specialized account structures and IRA Financial Group is the “gold standard” for compliance, leadership, customer service, and technological innovation.

Steady Income Generator with no tax bite

Income from a rental property bought with a Self-Directed IRA LLC flows back into the retirement account tax-free.

On a percentage basis, the income from real estate and other alternative investments can be two to eight times higher than today’s fixed-income offerings even after paying expenses such as property taxes and insurance. Meanwhile, the account holder can eventually reap the potential appreciation of the underlying asset, tax-free.

Proceeds from selling an investment property roll back into the IRA tax-free.

The Flexibility to Buy Time-Sensitive Investments

IRA Financial Group’s Self-Directed IRA/LLC allows you to carry a checkbook that is tied to the account.  This gives you, the investor, an incredible freedom to fund the investment at a moment’s notice. In this arrangement, you can buy Real Estate with the stroke of the pen, without a fund manager or other bureaucrat saying no or otherwise trying to slow down the process.

Make any Domestic or Foreign Real Estate Investment

A Self-Directed IRA LLC allows you to make either domestic or foreign real estate investments. Whether it is residential or commercial real estate property, using a Self-Directed IRA LLC to invest in domestic or foreign real estate offers tax advantages, such as tax deferral and/or tax free repatriation of income. Real Estate IRA LLC

Know of a great real estate investment in or outside of the United States? Dream of retiring in your country of birth or spending part of the year overseas? A Self Directed IRA LLC allows you to buy a vacation or retirement home now at today’s prices anywhere in the world, rent it out, and then use it tax-free at the age of 59 1/2.

The IRA Financial Group has experience working with clients who have purchased real estate all over the world including, Canada, Brazil, Argentina, Costa Rica, Puerto Rico, Dominican Republic, Nicaragua, Mexico, India, Israel, Italy, France, Switzerland, Germany, Cayman Islands, Bahamas, and many more countries. Our retirement tax professionals have significant experience in structuring foreign real estate investments that are tax efficient from a U.S. and foreign tax perspective. Contact us at 800-IRA-0646 to learn more.

Tax-Free Real Estate Investing with a Self-Directed Roth IRA LLC

A Self-Directed Roth IRA LLC allows you to invest tax-free in any domestic or foreign real estate investment.

NEW RULES FOR CONVERSIONS FROM IRAS TO ROTH IRAS

For tax years starting in 2011, the $100,000 modified adjusted gross income limit for conversions to a Roth IRA is eliminated and married taxpayers filing a separate return can now convert amounts to a Roth IRA. For any conversation in 2015, any amounts that are required to be included in income are included in your taxable income for 2015.

The Self-Directed Roth IRA LLC, similar to a Self-Directed IRA LLC, allows the IRA holder to:

  • Make a tax-free investment in any type of domestic or foreign real estate property or asset.
  • Purchase a rental real estate project and have all the rental income flow back to your IRA or 401(k) Plan tax-free.
  • Purchase real estate foreclosures and tax liens on the spot, or make personal loans by simply writing a check and generate profits tax-free.
  • Buy your retirement home now at today’s prices, rent it out, and then move in tax-free at the age of 59 1/2!
  • Buy a vacation home now at today’s prices anywhere in the world, rent it out, and then use it tax-free at the age of 59 1/2!
  • Buy an office building now at today’s prices, rent it out, and then move your business in tax-free at the age of 59 1/2.

The IRA Financial Group, Self-Directed IRA LLC enables you to:

  • Invest in real estate tax-free – all real estate related income or gains goes back into your Self-Directed IRA LLC tax-free.
  • Buy and sell domestic, foreign, commercial, residential, and rental properties as real estate IRA investments.
  • Invest in foreclosed properties and tax liens on the spot, or make personal loans by simply writing a check.
  • Buy your retirement home now at today’s prices, rent it out, and then occupy it tax-free with a Self-Directed Roth IRA LLC.
  • Buy and sell mortgages, notes, tax liens, tax deeds, etc.

Please contact one of our IRA Experts at 800-472-0646 for more information.

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