IRA Financial Blog
Insights, strategies, and expert answers on self-directed retirement, taxes, and alternative investing.
Taking RMDs from Retirement Accounts
As we approach the end of the year, it's time to start getting your retirement accounts in order. There are certain things you must do,…
Navigating the Plan Asset Rules for a Self-Directed IRA Investment
For Self-Directed IRA investors seeking to make alternative asset investments, there are a set of rules known as the “Plan Asset Rules” that must be…
Solo 401(k) Paperwork – What You Need to Know
The amazing thing about technology is that you do not have handle any of the paperwork for your Solo 401(k) plan. IRA Financial has an app…
Safe Harbor 401(k) – The Best Small Business 401(k) Plan
Employers start a 401(k) plan for many reasons. A well-designed 401(k) plan can help attract and keep talented employees and allows participants to…
Options for Reducing California Franchise Fee for a Self-Directed IRA LLC
One of the most common questions for any potential Self-Directed IRA LLC investor who is a resident of the state of California, or is seeking to…
What Is the 4% Rule for Retirement?
Planning for retirement can be daunting. Questions about how much to save, when to start withdrawing, and how to ensure your money lasts throughout…
Using a Gift to Fund an IRA
For many grandparents or parents seeking to help family members pay for college, buy a home, or just have extra money for retirement, gifting funds…
Can I be an Officer of a Company my IRA will Invest In?
One of the most misunderstood facets about the IRS prohibited transaction rules involves using a Self-Directed IRA to invest in a business where one…
Can a 403(b) be Converted to Roth?
A 403(b) plan, sometimes called a tax-sheltered annuity (TSA), is a retirement plan offered by public schools, churches, and certain 501(c)(3)…
How to Generate a Guaranteed 7.5% Rate of Return from your 401(k)
In 2025, earning a guaranteed 7.5% on your 401(k) plan investment with no risk seems almost too good to be true. Here is the thing – it is…
Keep Your Self-Directed IRA LLC in IRS Compliance
A Self-Directed IRA LLC is a type of IRA that allows the IRA holder (you) to gain control over your retirement funds, so you can self-direct the…
Key Solo 401(k) Rules Under SECURE Act 2.0
SECURE Act 2.0 is the most significant piece of retirement legislation since the original SECURE Act of 2019. The latest version is part of…