IRA Financial Blog
Insights, strategies, and expert answers on self-directed retirement, taxes, and alternative investing.
Solo 401(k) vs. SEP IRA: Which is Better?
When self-employed, you have many retirement options to pick from, including the Solo 401(k) or SEP IRA. For many years, self-employed…
Is a ROBS Plan Safe? Debunking the Myths and Understanding the Compliance Requirements
When it comes to entrepreneurship, thinking outside the box for funding is often necessary. One option that’s gained traction among aspiring…
Investing in Gold with Retirement Funds: How to Protect and Grow Your Wealth in Uncertain Times
Investing in gold has long been viewed as a timeless store of value, a tangible asset that holds its worth when paper markets fluctuate. In October…
Solo 401(k) Plan Distribution Rules: What You Need to Know Before Withdrawing Funds
A Solo 401(k) is one of the most powerful retirement plans available for the self-employed and small business owners. It allows high contributions,…
UBIT and UDFI Explained: Understanding Taxes on Leveraged Real Estate Within an IRA
Getting to Know UBIT and UDFI Investing in real estate through an Individual Retirement Account (IRA) can be a powerful way to grow wealth and…
Beyond Coinbase — Why Sophisticated Crypto Investors Use a Self‑Directed IRA
Retail exchange accounts (like Coinbase) sit in taxable space—every trade can create a reportable event. A Self‑Directed IRA moves those same…
The Entrepreneur’s Dilemma: Should You Use Retirement Savings to Fund Your Dream?
Starting or buying a business often comes with a big question: Where will the money come from? For many aspiring entrepreneurs, the largest pool of…
Why the Fed’s Rate Cut Strengthens the Case for Self-Directed IRAs
On September 17, 2025, the Federal Reserve announced a quarter-point interest rate cut, with projections for two additional cuts before year’s end.…
The History of the Solo 401(k) Plan
When Did the 401(k) Start? – Key Historical Milestones Before we dig deeper, here's a quick timeline of the Solo 401(k) history: Year…
How to Hold Crypto, NFTs, and Private Equity in a Self-Directed IRA (and Stay Compliant): a 2025 Guide
Most retirement accounts stick to the basics: stocks, bonds, and mutual funds. But today’s investors want more control—and more opportunity.…
The Tax‑Free Landlord: The Hidden Benefits of Owning Real Estate in a Retirement Account
Real estate is one of the most powerful tools for building long-term wealth, yet many investors limit themselves by holding property in taxable…
