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IRS Will Allow You To Put Back That RMD You Took in Early 2020

by IRAR Trust Company on (July 28, 2020)

On March 27, 2020 the CARES Act became law in response to the COVID-19 pandemic. This new law included a provision to waive Required Minimum Distributions (RMDs) for 2020. In other words, the act allows individuals with an RMD due in 2020 to skip them this year.  However, many retirement account owners had already taken their required distributions prior to enactment of the new law.  

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Topics: Transfers & Rollovers, Distributions (RMD), Funding Methods

IRA Transfers: A Step-By-Step Guide

by IRAR Trust Company on (June 21, 2020)

It’s time— you’ve decided to open a self-directed IRA. You can almost picture the financial freedom and the retirement of your dreams. But to get started, you’ve got to make use of your old retirement account. How do you even begin? One of the most common ways to move your retirement account is known as a transfer. Not sure what that means for your retirement fund? Let us explain.

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Topics: Transfers & Rollovers, Funding Methods

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

Coronavirus Pandemic Layoff: What to do with your 401k

by IRAR Trust Company on (April 14, 2020)

Social distancing, the stock market crash and many other factors brought on by the Coronavirus (COVID-19) crisis are impacting businesses around the country and many will not survive.  Many business owners already face this reality.

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Topics: Transfers & Rollovers

How to Rollover Your Old 401(k) to Invest in Real Estate

by Jason Craig, President on (April 14, 2020)

If you have changed jobs or retired and have left savings in a former employer's retirement plan (e.g. 401(k), 403(b), governmental 457 (b)), you can move these funds to a self-directed IRA and invest in real estate without loss or penalty. Real estate investments in self-directed IRAs grow tax-deferred or tax-free until withdrawal. This means that when your property generates income or is sold, these profits are not taxed at the time because they go back to the IRA. It is not until you start taking distributions at retirement that the income will be taxed, depending on the type of plan you have.

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Topics: Transfers & Rollovers, Real Estate IRA

Transfers vs Rollovers: What's the Difference?

by IRAR Trust Company on (January 10, 2020)

If you’re saving for retirement, I’m sure you’ve heard the terms “transfer” and “rollover” before— that’s how you get your funds into your IRA! But unless you work in the financial industry, these terms may mean the same thing to you. You’re moving your money from one retirement company to another— that’s the part that matters.

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Topics: Transfers & Rollovers

How To Guide: Divide Your Self-Directed IRA Due to Divorce

by Connie Corpuz, Real Estate Associte on (June 19, 2019)

Unfortunately, sometimes people get divorced. It’s not fun, but it happens. If it does, you need to consider all the assets that need to be divided— and that includes your self-directed IRA (and IRAR’s here to help).

We do our best to keep this process as simple as possible. Splitting your self-directed IRA due to divorce doesn’t have to be a confusing or time-consuming process, even if everything else involved in this process sometimes feels that way.

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

How To Re-Register Your Real Estate IRA Assets

by Veronica Alvizar, Real Estate Associate on (March 31, 2019)

Need to move your real estate in-kind, without liquidating the property, to a new self directed IRA custodian? What many real estate IRA investors don’t know is that once your asset has moved to your new account, the process isn’t done. You have to re-register the deed to the property. If you don’t follow through, there can be obnoxious (and expensive) complications down the line.

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Topics: Transfers & Rollovers, Real Estate IRA

Avoid Running Out of Money in Your Self-Directed IRA

by IRAR Trust Company on (March 27, 2019)

It happens to the best of us— a few miscalculations, and suddenly your self-directed IRA is looking a little cash poor.

Investing in assets that have bills to pay takes a little more navigating than the typical stock or bond. Though real estate, private equity, and other alternative assets can be excellent investments with outlandish returns, they also come with expenses your IRA needs to pay— and that can cause issues if you don’t have the liquidity to cover those expenses.

 But you’re not totally sunk if you find yourself low on funds— there are some things you can do:

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Topics: Self Directed IRA Rules, Transfers & Rollovers, Contributions

Rollovers to Your Self-Directed IRA: A Step-By-Step Guide

by IRAR Trust Company on (March 13, 2019)

You’re looking to move your money into a self-directed IRA, so you can invest however you’d like— excellent! But… how exactly do you move your money from your old 401(k) or IRA? Whether you have your funds in a 401(k) or have taken a distribution you need to roll back into an account, we can help. Unsure of how to do this? We’d love to walk you through the process!

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Topics: Transfers & Rollovers, Funding Methods

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