IRA Financial Blog
Insights, strategies, and expert answers on self-directed retirement, taxes, and alternative investing.
How to Lower Your Bitcoin IRA Custodial Fees
As a tax attorney and author of the leading book on Bitcoin IRA, How to Use Retirement Funds to Purchase Cryptocurrencies, I am often asked about…
Excess Roth IRA Contributions – Are They Worth the Risk?
In almost all cases, the penalties for violating IRS rules end up overriding any potential value derived from the transaction. The one exception may…
What is a Solo 401(k) Prohibited Transaction?
The Internal Revenue Code (IRC) & ERISA does not describe what a Solo 401(k) Plan can invest in, only what it cannot invest in. Internal Revenue…
Self-Directed IRA Disqualified Persons
A Self-Directed IRA allows you to make alternative asset investments with your retirement funds. In other words, it gives you more options than just…
How to Correctly Achieve Retirement Portfolio Diversity
Asset allocation has been a proven investment strategy for half a century. You can choose from several retirement plans, including the popular…
Solo 401k & ERISA – The Law
What is ERISA? The Employee Retirement Income Security Act of 1974 (ERISA), enacted September 2, 1974, is an American federal statute that…
Solo 401(k) vs. Self-Directed IRA
In terms of choosing the Solo 401(k) vs. Self-Directed IRA LLC, participants should choose the Solo 401(k) plan if eligible. The robust features of…
Can I Open a Solo 401(k) if I Have Job?
If you have a full-time job, but have a side business that earns self-employment income, then you will likely be able to adopt a Solo 401(k) Plan.…
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),…