Real Estate in your IRA
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Transcript of Real Estate in your IRA
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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
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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.
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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
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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
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[email protected] | 888.382.4727 x317
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[email protected] | 888.382.4727 x317
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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)
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Active Investment Path Example
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Passive Investment Path Example
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[email protected] | 888.382.4727 x317
How Do I Buy Real Estate in My IRA?
1.Outright
2.Partner
3.Non Recourse Loan
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$50,000$20,000$12,240$21,840$76,840FDIC:
INVESTMENT: $30,000$35,000
Partnering Real Estate Purchase
%
UNDIVIDED INTEREST
Partner
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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
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[email protected] | 888.382.4727 x317
1. Self Deal
2. Prohibited Transactions
3. Collateralize Your IRA
What Can’t You Do?
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Protect
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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
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Protect
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How Do you put money in the account?
1. Contribution
2. Rollover
3. Transfer
4. Conversion
5. All of the above
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Protect
Equity Trust Company Custodian FBO Insert your name here IRA
You Just Did it!
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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
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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
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Thank You for Attending!!
Keith MarshKey Accounts Manager
888-382-4727 ext 416
Referral Code 2016
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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