IRA Financial Blog
Insights, strategies, and expert answers on self-directed retirement, taxes, and alternative investing.
The Rise of Progressive Politics and the Roth IRA: Why Locking In Tax-Free Wealth Matters More Than Ever
If there is one lesson I have learned during more than two decades practicing tax law, it is this: tax laws never stand still. Congress changes.…
Crypto IRA Tax Reporting: What Forms You Need and What Most Providers Get Wrong
Crypto IRA tax reporting sits at the intersection of two areas where errors are common: cryptocurrency taxation and Self-Directed IRA compliance.…
Self-Directed IRA Fee Structures: How Flat Fee and Asset-Based Models Compare Over Time
Most Self-Directed IRA investors compare custodians by looking at the annual fee headline number. That comparison is almost always misleading. A…
AI, the S&P 500, and the Self-Directed IRA: Why Diversification Matters More Than Ever
If you are a Self-Directed IRA investor or anyone building long-term retirement wealth, the rise of artificial intelligence raises a question most…
IRA Financial vs. Guidant Financial
If you're looking to fund a business using your retirement savings, you've probably come across two well-known names in the ROBS space: IRA Financial…
Checkbook IRAs Can Be a Smart Choice in a High-Interest Rate Environment
When interest rates rise, the conventional wisdom is to move money into bonds, CDs, and money market funds. What that advice ignores is that a…
How to Use a SEP IRA and Solo 401(k) Simultaneously: The Rules and the Math
Most self-employed investors know they can open a SEP IRA or a Solo 401(k). Far fewer know they can hold both simultaneously, and that in specific…
How Gold IRA Pricing Works: Spot Price, Premiums, and Custodian Markups Explained
Most Gold IRA investors focus on whether gold prices will go up. Far fewer understand what they actually paid when they bought, and how much of their…
The Death of the Bogle Model: Why Today’s Retirement Investors Need More Than Index Funds
For a generation of Americans, the Boglehead playbook was gospel. Put 60% of your retirement savings into a broad S&P 500 index fund, put 40%…
How to Switch Solo 401(k) Providers Without Triggering Taxes
You can switch Solo 401(k) providers without taxes or penalties in 2026, but only if the transfer is structured as a trustee-to-trustee plan transfer…
5 Best ROBS 401(k) Providers of 2026
If you're thinking about using your retirement savings to fund a business, a Rollover as Business Startups (ROBS) structure could be the right move.…
Top Retirement Accounts for Entrepreneurs
Entrepreneurs have more control over their income than most people. That same flexibility extends to their retirement strategy, but it also creates…