The retirement industry has been dominated by custodians who are focused on a narrow spectrum of IRA investments, limiting you to stocks, bonds, CDs, and other traditional investments. While these kinds of retirement accounts might be right for some, they don't offer the investment freedom of a self-directed IRA.
Fully Maximize your IRA with alternative investment options through an IRA Innovations self-directed retirement plan.
Discover the benefits of tax-free and tax-deferred self- directed retirement plans. You can choose your own investments, giving you full control of your retirement portfolio.
With a self-directed IRA or real estate IRA from IRA INNOVATIONS, you can invest your retirement funds when, where, and how you want. Create your financial future with the freedom to make choices with your retirement plans. Self-directed IRAs and real estate IRAs give you the unique ability to choose from a variety of investment options such as mortgages, real estate, private placements and more. And, by diversifying your investments, you may protect and enhance your retirement.
IRA INNOVATIONS provides complete and accurate information on self-directed IRAs so that you can make the most of your retirement funds. We do not promote any investments. Rather, we provide the knowledge, tools and information you need to make self-direction easy. We help you get started quickly and easily, and stay with you every step of the way.
A note is a vehicle that is used to extend credit from one or more individuals or entities to another individual or individual’s entity.
There are two types of notes:
Secured notes are backed by collateral, providing the lender increased assurance of return of the loan amount and interest, such as mortgages and deeds of trust.
Unsecured notes are not backed by collateral. You might consider an unsecured note for perhaps a friend or a non-disqualified relative, but it is a higher risk—and sometimes reward—than a secured note.
To clear up confusion when investing in Trust Deeds and Mortgage Notes with a Self-Directed IRA, trust deeds, deeds of trust, and mortgage notes are largely the same investment, depending on the state that you reside in. Your IRA Innovations self-directed IRA or real estate IRA may invest in trust deeds, mortgage notes, and deeds of trust and other interest-bearing notes.
These notes may be either in first or subordinate positions and may be purchased from brokers or private parties. Usually, the documentation is recorded at county recorder's offices, and title to the property is insured as instructed.
You may also purchase or sell portions of mortgages. In such cases, your retirement account holds an undivided interest in that portion of the note and receives the proportionate amount of income due under its terms. In addition, you may purchase discounted notes as well as real estate purchase options.
It is important that you follow all guidelines outlined on the forms we send you to avoid any unnecessary delays and costs. And, as with all real estate purchases, these retirement investments entail specific requirements that are critical to the smooth completion of the transaction.
To find out more about these types of transactions, contact IRA Innovations.
We are never in conflict with your investment decisions because we do not endorse or sell any investment products.
With the IRA Innovations Real Estate IRA, your IRA can invest in real estate and related assets. Why Real Estate? Why Now?
As prices drop, and with foreclosures at an all-time high, now is a good time to invest in real estate with your IRA and build wealth for the future. You can purchase income-generating rental property, commercial buildings, or rehabs. Diversify out of the stock market and put your IRA money to work.
Purchasing property with your IRA is similar to a regular real estate transaction, but there are a few things to keep in mind.
To learn how to invest in real estate with your IRA, as well as the possibility of receiving property as a distribution from your retirement plan, call IRA Innovations. We provide the tools and assistance you need to get started.
Financial professionals across the globe agree that asset diversification helps spread the risk of investing. Precious metals are one of the many options self-directed investors have to choose from when it comes to diversifying their retirement portfolios.
With a self-directed IRA from IRA Innovations, you can invest in all types of precious metals, including gold, silver, platinum and palladium.
As the premiere self-directed IRA administrator, IRA Innovations is equipped to handle all the unique requirements involved with holding precious metals in your retirement plan, such as arranging for storage in a depository institution of your choice, valuations for IRS reporting, and account administration.
An LLC is a legal organization that provides the tax advantages of a partnership while limiting the legal liability of the individual partners in the same way a corporation does. For more information, IRA Innovations can provide tips and articles regarding different strategies for IRA investing.
LLCs are considered securities in some states and may be required to meet the standards of securities offerings. Purchasing nontraditional assets with a self-directed IRA can help you diversify your investments, which may guard your retirement portfolio against economic changes. Investing in an LLC is just one of the many options available with your self-directed individual retirement account.
If you are interested in self directed investing with the funds in your retirement account, why not go with the best. IRA Innovations offers you:
A partnership is a type of unincorporated business organization in which multiple individuals, called general partners, manage the business and are equally liable for the debts of the business.
Other individuals, called limited partners, may invest in the business but are not directly involved in management. Limited partners are liable only to the extent of their investments. Unlike a limited liability company or a corporation, partners share equal responsibility for the company's profits and losses, and its debts and liabilities.
The partnership itself does not pay income taxes, but each partner has to report their share of business profits or losses on their individual tax return. Estimated tax payments are also necessary for each of the partners for the year in progress.
Here are some general rules regarding self directed investments in your self-directed IRA or real estate IRA:
Partnerships may be subject to unrelated business income (UBIT) and other taxes. It’s important to consult your tax advisor for proper direction.
Private or closed corporation stock offerings are not available to the public on the open market. Normally, they are made to pre-qualified individuals. These offerings must comply with the securities Blue Sky laws in the state in which the offering is made. The number of individuals included in the offering cannot exceed the maximum stipulated by state law.
These offerings, usually made by corporations seeking capitalization, can be in any class of stock described in their prospectus. Many corporations act as their own registrar as well as transfer agent. They may or may not use market makers for their offerings. Purchases and sales are described in their offering materials, which you should study closely.
Partnerships and small businesses have been the backbone for our nation's economic growth. Companies such as HP, Merck, IBM, Disney and GE were once private entities that went on to become pillars of the American business landscape.
IRA Innovations does not offer investment, tax, financial or legal advice to our clients, but can provide you the option to fully maximize your IRA through a self-directed retirement plan. Individuals who believe they need advice should consult with the appropriate licensed professional.
Your self-directed retirement account or real estate IRA can own or sell many different nontraditional types of investments, presenting attractive opportunities, depending on your situation and retirement investment goals.
Additional Self-Directed IRA Investments:
Getting started is easy. Contact a IRA Innovations professional to establish a self-directed IRA or open your account today.
Self-directed individual retirement accounts provide a great deal of freedom, flexibility, and choice of potential investments. However, they are also governed by a set of rules that self-directed investors must be aware of and follow. Some types of self-directed transactions violate the basic intent of your individual retirement account, and may subject your account to risks and penalties.
Your retirement plan is intended to benefit you when you retire and not before. Transactions that can be interpreted as providing immediate financial gain to the account holder or other disqualified persons are not allowed.
For example, an IRA holder may not:
For IRAs or 401(k)s, a disqualified person is:
Retirement accounts provide the opportunity to save money for the future in a tax-free or tax-deferred environment. However, an Entrust self directed IRA or real estate IRA allows you to benefit in a variety of alternative investment opportunities with the potential to earn even more.
Retirement plans for individuals come in all shapes and sizes. The most popular include traditional IRAs and Roth IRAs. For small businesses, 401ks, SEP IRAs and SIMPLE IRAs are common. In addition, there are savings plans for special needs, such as Coverdell education savings accounts and health savings accounts.
Individuals obtain these accounts for two key reasons. Saving for
need, such as retirement, education or healthcare and a method for reducing, deferring or eliminating taxes on the gains.
There is power in the time and earnings of an Individual Retirement Account and with the exception of certain prohibited investments, an IRA Innovations self-directed IRA, self-directed individual(k) or self-directed HSA enables you to direct your funds into a wider range of both traditional or non-traditional investments.
To discover the full range of investments available to you with a self-directed individual retirement account, visit our investment options section.
A Traditional Individual Retirement Account is the oldest and most common type of retirement plan. A self directed traditional IRA allows you to select the investments that you choose within your retirement plan. Funding Your Self -Directed IRA or Real Estate IRA - With a IRA Rollover, Transfer or Contribution
The most common technique to funding a self directed traditional IRA is through making a contribution to your account. You may also roll over or transfer funds from an existing employer plan, such as a 401(k), a pension plan or another traditional IRA. If your current traditional IRA does not allow self-direction, you may also transfer those funds to an Entrust self directed traditional IRA so that you may choose your investments.
If you have earned income and want to save for retirement on a tax-deferred basis, you may contribute to a self directed traditional IRA until you are 70½ years of age.
Why Consider an IRA Innovations Self-Directed Traditional IRA
If you are eligible to contribute to an IRA, the amount you can deduct from your taxes will depend on whether you (or, in some cases, your spouse) are an active participant in a retirement plan at work.
IRA Innovations Trad IRA FTCO 11-11.pdf
One of the best ways to save for retirement is with an Entrust Self Directed Roth Individual Retirement Account. Why? Because the earnings on your investments are free from Federal income tax as long as certain conditions are met. If your current Roth IRA does not allow self-direction, you may transfer funds to an Entrust self directed Roth IRA so that you may choose your investments.
Currently, you may jump start a tax-free individual retirement account by converting your Traditional IRA to a self directed Roth IRA. While this is a taxable event, your earnings will grow tax free. As of 2008, you may convert your current employer plan, such as a 401(k), into a Roth IRA. While this is a taxable event, it does provide you a means of funding your Roth IRA with more than the annual contribution of $5,000 plus a catch-up provision of $1,000.
Another advantage of a Roth IRA is that contributions may be made even after you are 70½, and you are not required to take distributions. In most cases, a Roth IRA holder may withdraw the principal amounts invested without any tax liability.
How to determine if an Entrust self-directed Roth IRA is the right retirement plan for you:
To be eligible to convert your Traditional Individual Retirement Account or employer plan to a Roth IRA or a self directed Roth IRA, you must have a Modified Adjusted Gross Income (MAGI) of $100,000 or less. Another important item to note is that in 2010, the income limit for conversions is eliminated.
IRA Innovations Roth IRA doc FTCO 11-11.pdf
Simplified Employee Pension plans (SEP IRAs) may provide an easy, low-cost retirement plan option if you are self-employed, a partner or the owner of a corporation. With an IRA Innovations self- directed SEP, you can invest in what you know. When you choose a SEP retirement plan, you make contributions to a Traditional IRA for yourself and your employees, if applicable.
If you choose to contribute to your retirement plan, you have the ability to choose the percentage of contribution for any given year (0 - 25% of earned income) both for yourself and your staff. The only requirement is that the contribution percentage, in any year, be the same for each employee.
If you would like a self-directed SEP IRA and your current retirement plan does not allow self direction, you may transfer all or part of the funds to an IRA Innovations self-directed SEP IRA so that you may choose your own investments.
Keep in mind that the maximum compensation amount that can be used for calculating your contribution is $245,000 (2009/2010). And, you can fund your self-directed IRA with an IRA rollover, transfer or contribution.
The most common technique to funding a self directed SEP IRA is through making a contribution to your account. You may also roll over or transfer funds from an existing employer plan, such as a 401k, a pension plan or another SEP IRA. If your current SEP IRA does not allow self-direction, you may also make an IRA Rollover or IRA transfer to an Entrust self directed SEP IRA so that you may choose your own investments.
An IRA Innovations self-directed SEP IRA does not have the start-up and operating costs of a conventional employer plan and allows for a tax-deductible contribution of up to 25 percent of each employee’s pay. And with a self directed SEP IRA or real estate SEP IRA, you and your employees can have the flexibility to self-direct your retirement funds into real estate, mortgages and other alternative investments. Also consider a self-directed SEP IRA if:
IRA Innovations 06002 IRS Prototype SEP (4-10).pdf
An Savings Incentive Match Plan for Employees (SIMPLE IRA) is an IRA-based plan that gives employers an easy way to make contributions toward their employees' and their own retirement. This type of plan is designed for small businesses with 100 employees or less.
With an Entrust self directed SIMPLE IRA, employees may choose to make salary reduction contributions while the employer makes a matching contribution of three percent each year or, alternatively, a non-elective contribution of two percent of compensation. All contributions are made directly to an Individual Retirement Account (IRA) that has been established for each employee (a SIMPLE IRA). Eventual distributions are taxed as ordinary income.
And, with an IRA Innovations self-directed SIMPLE IRA, you can invest your retirement funds in real estate, notes mortgages & more. Earn tax-deferred retirement income with a self directed SIMPLE IRA from IRA Innovations.
Keep in mind that the maximum compensation amount that can be used for calculating your contribution is $245,000 (2009/2010). Consider an IRA Innovations self-directed SIMPLE IRA or real estate IRA if:
IRA Innovations SIMPLE IRA Cust Agreemt FTCO 11-11.pdf
A new option to reduce your health care costs is the combination of a high deductible health plan (HDHP) and a health savings accounts (HSA). To qualify for an HSA, you must have an HDHP. What is an HDHP?
The HDHP is a health insurance policy that features a higher annual deductible than traditional health plans. What is an HSA?
Health Savings Accounts were created to help individuals and families save for qualified medical expenses on a tax-free basis. Health Savings Accounts can be used for medical expenses, such as prescriptions, eye care, dental and some over-the-counter medications. The funds contributed to your HSA are tax-deductible, reducing your taxable income.
IRA Innovations self-directed health savings accounta are earnings with a bonus. Most HSAs provide only savings or money market accounts, limiting what your HSA can earn. With an IRA Innovations self-directed HSA, you can self-direct your funds into real estate, mortgages, limited partnerships, mutual funds and more. You have complete control and may direct your funds into investments that you know offer maximum growth, ensuring financial security for when you need it the most.
Unlike a Flexible Spending Account (FSA), an HSA is not a "use it or lose it" account. Should You Consider a Health Savings Account? Absolutely, if you meet the following conditions:
The amount you can contribute depends on whether you’re contributing on behalf of yourself or your family. Contact an IRA Innovations professional in one of our local offices to establish a self-directed Health Savings Plan or open an account.
IRA Innovations HSA Custodial Agreement document 11-11.pdf
I2 payment authorization.pdf
I2 General_Application.pdf
I2 Private Placement Indemnity.pdf
IRA Innovations Coverdell ESA document FTCO 11-11.pdf
I2 Private Placement Instruction Letter.pdf
I2 Purchase Asset Instruction.pdf
I2 fee schedule.pdf
I2 beneficiary change.pdf
I2 rollover form.pdf
I2 change of address.pdf
I2 distribtuion request.pdf
IRA Innovations 05200 IRS Model Form 5304-SIMPLE NonDFI 11-11 FTCO.pdf
I2 Traditional to Roth conversion.pdf
I2 Transfer Form.pdf
I2 Sell Direction Letter.pdf
I2 Deposit_Coupon.pdf
Due to the current state of the economy, many people are looking for new ways to invest their money that are not bound to unpredictable stock market fluctuations. Choose IRA Innovations when you're seeking alternative investment options.
IRA Innovations - Alabama
5184 Caldwell Mill Road, Suite 204-303
Birmingham, AL 35244
205.985.0860
205.985.8674 (fax)
Email Us Here
IRA Innovations - Tennessee
750 Old Hickory Blvd
Building Two Suite 150
Brentwood, TN 37027
615.794.8961
615.794.0031 (fax)
ira innovations fee schedule.pdf
