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Self Directed IRAsSelf Directed IRAsThe Real Estate IRA The Real Estate IRA
RevolutionRevolution
Keith MarshKeith MarshKey Accounts ManagerKey Accounts Manager
[email protected] | 888.382.4727 x317
What is a Self-Directed IRA?
• An Individual Retirement Account (or IRA) is a personal savings account that provides Tax-Deferred or Tax-Free savings.
• A self-directed IRA is any type of IRA that allows you to invest in assets other than just stocks, mutual funds and CDs.
• Most brokerage firms and banks don’t offer this service because they do not have a financial incentive to do so.
How does an IRA benefit me?
• Tax-free or tax-deferred growth
• Power of compounding interest
• Huge tax deductions
• Protects your hard earned assets
• Essential estate planning tool
What Can I Invest in?
• Stocks, Bonds, Mutual Funds• Raw land• Single family homes/Condos• Apartments/duplexes• Commercial property• Equipment Leasing• Real Estate Notes / Mortgages• Tax Liens• Foreign Currency
• You are only limited by your• Own Creativity
[email protected] | 888.382.4727 x317
[email protected] | 888.382.4727 x317
Two Investment Paths
• Active
– Invest directly in the asset of your choice (real estate, tax liens, equipment)
• Passive
– Loan your investment funds to another party to invest
• TURN-KEY
– allows you to have your cake & eat it too (Property Acquisition, Property Financing & Closing, Property Rehabilitation, & Property Management)
Active Investment Path Example
Passive Investment Path Example
[email protected] | 888.382.4727 x317
How Do I Buy Real Estate in My IRA?
1.Outright
2.Partner
3.Non Recourse Loan
$50,000$20,000$12,240$21,840$76,840FDIC:
INVESTMENT: $30,000$35,000
Partnering Real Estate Purchase
%
UNDIVIDED INTEREST
Partner
Key Concept
Remember your IRA is a Separate Entity from yourself
[email protected] | 888.382.4727 x317
Your Personal Funds Your IRA Funds
These Separate Funds Cannot Be Co-mingled
[email protected] | 888.382.4727 x317
1. Self Deal
2. Prohibited Transactions
3. Collateralize Your IRA
What Can’t You Do?
Protect
Taxes and Nest Egg Building
Taxes Federal State & City FICA TotalEmployee W-2 39% 10% 7.65% 56.7%Self Employed 39% 10% 15.30% 64.3%Interest 39% 10% 49%LT Cap Gains 20% 2% 22%Corporate 39% 2-10% 41-49%Passive 39% 10% 49%Trust 35% 10% 45%TIRA, 401(k), SEP, Simple*
39% 10% 49%
Roth IRA & Roth 401(k) 0% 0% 0.0%* Tax Deferred
Protect
How Do you put money in the account?
1. Contribution
2. Rollover
3. Transfer
4. Conversion
5. All of the above
Protect
Equity Trust Company Custodian FBO Insert your name here IRA
You Just Did it!
Which IRA is right for me?
• If you want a Deduction…• A Traditional IRA• A SEP• A SIMPLE• A 401(k)• HSA
• If you want tax free income…• A Roth IRA• A Roth 401(k) *$16,500 Roth Component• HSA• CESA
The Equity Trust Company Difference
• Financial Strength and Longevity
– Proven customer service– IRS-approved custodian– Regulated State Bank and State Trust Chartered– Founded 1974– Over $10 billion in assets under custody– Over 130,000 clients– Rated A+ by the Better Business Bureau– FDIC-insured accounts up to $250,000
Thank You for Attending!!
Keith MarshKey Accounts Manager
888-382-4727 ext 416
Referral Code 2016
All Inclusive Fee ScheduleAll Inclusive Fee Schedule Account Opening ChecklistAccount Opening Checklist
Original, Singed Application
Original, Signed Account Transfer From (IRA to IRA ONLY)* Your current custodian may require a Medallion Signature Guarantee
Copy of most recent statement
Copy of Driver’s License
Gold Level Service Application
