IRA Financial Blog
Insights, strategies, and expert answers on self-directed retirement, taxes, and alternative investing.
Annuities Explained: Are They a Good Fit for Today’s Retirees?
As you approach retirement, ensuring a steady stream of income becomes one of the most critical aspects of financial planning. Among the tools…
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…
Understanding ERISA: The Law That Shapes American Retirement and Health Benefits
The Employee Retirement Income Security Act of 1974, commonly known as ERISA, is a landmark piece of legislation that significantly impacts the…
Inherited IRAs – Everything You Need to Know in 2025 & Beyond
Inherited IRAs (Individual Retirement Accounts) are a crucial aspect of estate planning and financial management. Whether you’ve recently inherited…
Making Sense of the Inherited IRA Rules: A Clear Guide for Beneficiaries After the SECURE Act 2.0
Inheriting an IRA can feel like both a gift and a burden. On one hand, it represents years, and sometimes decades, of disciplined saving. On the…
2026 Solo 401(k) Contribution Limits
For self-employed individuals and small business owners, a Solo 401(k) is a powerful tool to maximize retirement savings while enjoying significant…
Socially Responsible Investing with an IRA
In recent years, socially responsible investing (SRI) has grown from a niche concept to a mainstream strategy embraced by individuals and…
Solo 401(k) and the UBIT Rules: What Investors Need to Know
One of the biggest advantages of using retirement funds—such as a Solo 401(k), 401(k), or IRA—to make investments is that, in most cases, all income…
Can a Solo 401(k) Reduce Self-Employment Tax?
One of the more common questions we receive from self-employed business owners seeking to establish a Solo 401(k) plan is whether it can reduce…
The Rollins Case & The Self-Directed IRA Prohibited Transaction Lesson
Rollins v. Commissioner is an important case in the Self Directed IRA LLC context because it illustrates how one can engage in a prohibited…
Using a Self-Directed IRA for Promissory Notes
IRA Financial's Self-Directed IRA allows you to use your retirement funds to invest in promissory notes and loans directly from your mobile device…
3 Tips to Protect Your IRA From Creditors
Protect Your IRA For many Americans, their retirement account is often their most valuable asset. There are approximately $65 million IRAs…