IRA Financial Blog
Insights, strategies, and expert answers on self-directed retirement, taxes, and alternative investing.
What is the UBTI Tax Rate?
The UBTI tax rate is in existence to prevent tax-exempt entities from competing unfairly with taxable entities. Tax-exempt companies are subject to…
Is my Solo 401(k) Plan Subject to the Corporate Transparency Act (CTA)?
The Corporate Transparency Act (CTA), which was established in 2021 and is set to become law on January 1, 2024, is the most far reaching set of…
Self-Directed IRA for Investment Funds
IRA Financial’s Self-Directed IRA allows you to use your retirement funds to invest in all types of investment funds, such as private equity, hedge…
Does UBTI Apply to Margin Use for Option Trading?
In general, almost all retirement account investments generating passive income will not be subject to Unrelated Business Taxable Income (UBTI),…
What is Unrelated Business Taxable Income (UBTI)?
The tax advantage of an IRA is that income is tax-free until distributed. In general, an exempt organization is not taxed on its income from an…
401(k) Rollovers & Possible Tax Consequences
One of the major differences between an IRA and a 401(k) plan, from the perspective of the individual retirement account holder, is that an IRA…
How Much Do I Need to Start a Self-Directed IRA?
Over the last several years, as a result of technology and more industry efficiency, opening a Self-Directed IRA is now easier and more…
What is the Rollover Business Startup Solution?
ROBS Solution, or the Rollover Business Start-up (aka Rollover as Business Startups), is an IRS and ERISA approved structure. It allows you to…
Top 10 Startups Using ROBS
Recently, IRA Financial's Adam Bergman published an article on Forbes about the Gig Economy and the Solo 401(k). This got me thinking about another…
Using a Solo 401(k) to Avoid UBIT for a Real Estate Investment Fund
Internal Revenue Code (IRC) Section 514 requires debt-financed income to be included in Unrelated Business Taxable Income, also known as UBIT or…
Year-End Tax Planning for ROBS Users
If you utilize the ROBS structure for your business, there are several things you need to do before the end of the year. ROBS tax planning is an…
Backdoor Roth vs. Mega Backdoor Roth
Many retirement savers are not aware that that a massive Roth contribution option for the self-employed or small business owner known as the “Mega…