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COVID-19 Loans, Distributions, or Withdrawals From Self Directed IRAs

by Jason Craig, President on (June 20, 2020)

The COVID-19 pandemic is challenging each one of us in different ways— some harder than others.  Many have started working remotely, or wear masks whenever they leave the house.  Many have been laid off, furloughed, or need to take care of a loved one who may have contracted the virus, or maybe became sick themselves.  We have all been affected.

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Topics: Self Directed IRA Rules, Transfers & Rollovers, Distributions (RMD), IRAR Clients

Worst Kinds of Self-Directed IRAs & How to Avoid

by Yvonne Garcia, CMO on (June 17, 2020)


Believe me, after 16 years in the self-directed IRA industry, I’ve heard it all: the good, the bad, and the downright weird of self-directed IRA companies. I often talk to account holders and pick their brain on how they went about finding the right custodian. Usually they have a story about what went wrong and it's exactly why I remain committed to the promise of Self-Directed IRAs (SDIRA). I believe that everyone has the right to make their own investment decisions, and pay affordable rates, while receiving best-in-class service. I also believe passionately in the power of knowledge and making what seems complex simple.

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Topics: Due Diligence, Self Directed IRA Rules, SDIRA Fees

3 Things Investors Really Hate About Self-Directed IRA Custodians

by Yvonne Garcia, CMO on (April 22, 2020)

After 16 years in the self-directed IRA industry, I’ve gained insight into some of the major complaints and pain points self-directed IRA investors deal with. As an investor myself, I’m empathetic to these challenges— especially as someone who works behind the scenes to create excellent customer experiences. With my experience working in all aspects of self-directed IRAs and alternative investments, from marketing to business development, I’ve had the opportunity to learn from savvy self-directed IRA investors of all levels. After much research and discussion with our clients as to why they’ve moved their IRA to IRAR Trust, here’s what I’ve found.

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Topics: Due Diligence, Self Directed IRA Rules, SDIRA Fees

IRS Tax Form 5498: What Do I Do With This Paperwork My IRA Provider Sent Me?

by Nicolas Acosta, Senior Operations Manager on (April 2, 2020)

Tax form 5498— you know it, you probably don’t love it, but do you understand it? The IRS seems to use it, but it’s an unclear form full of codes and terms the average investor doesn’t really know. Want to know more about this form, what you need to do with it, and how it’s used? Let us ease all your concerns and answer your questions, below.

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Topics: Self Directed IRA Rules, IRA & Taxes, IRAR Clients

3 Kinds of Self Directed IRA Promissory Notes

by Cecilia Guerra, Operations Associate on (February 4, 2020)

Why not take a typical private loan agreement and make it all your own? When investing in promissory notes with your self-directed IRA, you can do it (almost) any way you please.

A promissory note is a legal agreement for one party to lend money to another, with terms and stipulations specifically outlined. In other words, it’s a contract for a promise to pay. You can use them in a ton of different ways, like offering private loans for qualified individuals, business loans to companies looking for financing, or even by acting as the “bank” in a real estate deal.  The many uses for promissory notes are why they’re so popular, even outside of self-directed IRAs.

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Topics: Self Directed IRA Rules, Promissory Notes

2019 Self Directed IRA Contribution Limits: Updates For a New Year

by IRAR Trust Company on (January 17, 2020)

New contribution limits for 2019 are out— and they’ve gone up. Good! This is the first time they’ve gone up in the past 6 years, and experts have been saying we’re long overdue for a while. Time to take advantage of this opportunity for extra savings.

Want the lowdown on these updates? Here’s a summary:

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Topics: Self Directed IRA Rules, Contributions, IRAR Clients

5 Examples of Prohibited Transactions in a Self-Directed IRA

by IRAR Trust Company on (December 27, 2019)

You’ve got a lot of freedom with a self-directed IRA, but you do have a few rules you need to follow. Investing in real estate with your self-directed IRA is a lot like investing in real estate outside of your IRA— except the IRS prohibits a few things (per IRC Section 4975). These investment rules are really the biggest differences between IRA investing and the traditional real estate purchase— aside from the incredible tax benefits.

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Topics: Prohibited Transactions, Self Directed IRA Rules, Real Estate IRA

Taking Your RMD: 5 FAQs for Self-Directed IRAs

by IRAR Trust Company on (November 21, 2019)

Taking a required minimum distribution (RMD) can be challenging if you’re not sure what you’re doing. There are real tax consequences if you don’t do it right, so smart IRA investors know it’s important to take it seriously. Since self-directed IRAs deal with alternative and sometimes illiquid assets, this can seem complex. But at IRAR, we’ve seen it all— and we’re here to help.

Our team of experienced self-directed IRA experts is here to guide you through the process, answering real RMD questions from real SDIRA investors.

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Topics: Self Directed IRA Rules, Distributions (RMD), IRA & Taxes

Self-Directed Real Estate IRA Fees: How Much are you Paying?

by Yvonne Garcia, CMO on (November 5, 2019)

Fees have a big impact on retirement accounts— they slowly add up over time, preventing you from putting your hard-saved money to work for your retirement. To help you make the most of your money, we’ve complied a guide to these fees. After all, if you’re doing some of the work with self-direction, you shouldn’t have to overpay for your IRA.

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Topics: Due Diligence, Self Directed IRA Rules, Real Estate IRA, SDIRA Fees

Invested In A Single Member LLC With Your Self Directed IRA?

by Cecilia Guerra, Operations Associate on (October 18, 2019)

We’re here to help you become the self directed IRA superstar you were born to be. Now that your IRA LLC is set up and ready to invest, what’s your next step? If you’re looking to invest your retirement with more control than you ever imagined, all while ensuring your account is compliant, we’ve got you covered. Keep these tips in mind for continued success when investing with your self directed IRA:

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Topics: Private Placements/LLCs, Self Directed IRA Rules

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