Retirement: Do You Picture Yourself in Heaven, Or Hell?
The prevailing logic is that everyone is excited to retire. But how true is that nowadays? With the Great Recession still in our rear view mirrors, in some cases, still inches from our bumpers, many people near retirement age are frightened of what retirement may bring. Foreclosure, a widespread decrease in consumer…
How Much Do You Need to Retire?
We are often asked how much money an individual should have for retirement. There is no easy answer. Depending on your lifestyle and goals, the answer could vary greatly. Even between individuals who have similar retirement savings goals, the answer is as individual as each person asking! Below we list the best…
Real Estate and Your IRA
Lots of self-directed investors come to us because they aren’t happy with the yields they are seeing in their traditional IRAs. Even if they put a large amount of their money in stocks with higher risk, with the low interest rates, the yield is often unsatisfactory. Enter real estate investing with a…
Purchasing Tax Liens And Tax Deeds In Your Self-Directed IRA
Tax liens and tax deeds are a great way to build your retirement when you do not have a large amount of funds to work within your retirement account. In most states, tax lien and tax deed rights are sold if the owner is delinquent of the property taxes, in the form of…
The Benefits of Owning Real Estate in Your IRA
Real estate can be a fantastic investment and when you combine that with the power of either tax-deferred or tax-free growth in a self-directed IRA, there are even more benefits. I often hear clients ask the question “why is real estate such a popular investment for self-directed accounts?” Here are some of the…
The Individual 401(k)
The Individual 401(k)-also known as “The Solo 401(k)” or “the Solo (k)”-works much the same as standard 401(k) plans offered by large corporations. This plan is reserved for self-employed individuals and for business owners with no full-time employees other than a spouse. If you work alone or in conjunction with your spouse, this…
Penalty Relief for Those Using Their IRAs Early
As the unemployment rate stubbornly remains above 8% and individuals remain unemployed for long amounts of time, many people have no choice but to tap into their IRAs. Each time they do so, they face income tax and, if under age 59 1/2, a 10% early withdrawal penalty. Many people tapping into…
The Three W’s of SDIRA
The Who, What and Why of Self-Directed IRAs As the stock market continues its shaky performance and traditional investment portfolios return minimal yields, Self-Directed IRAs have started to gain notoriety and attention. What are self-directed IRAs? Usually, IRAs are stuffed with local, state, and/or federal authority-registered securities- such as stocks, CDs, mutual funds and…
Why Rental Properties are a Great Investment for Retirement
I invest in rental properties for my retirement because they offer continuous cash flow and I have control over my investment. I used to invest most of my money in the stock market, but the amount of money I had to save to retire early with stocks was discouraging. When I plugged in…
Why Investing for Cash Flow is Important
Cash flowing real estate is an incredibly powerful investment tool. However, many investors buy property for the appreciation alone and choose not to concentrate on cash flow. I’ve seen some investors buy a property that only nets a very small amount per month or even is cash flow negative! The reason they do…
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