IRA Financial Blog
Insights, strategies, and expert answers on self-directed retirement, taxes, and alternative investing.
IRS Announces 2026 401(k) and IRA Contribution Limits
A, 401(k), and similar plans. Because of inflation over the last few years, limits, including how much you can save, and income restrictions that…
Borrow from an IRA – Is it Possible?
Can I Borrow from an IRA? The short answer is still no, you cannot truly borrow money from any type of IRA. This includes: Traditional IRA…
Benefits of Rolling Over a Defined Benefit Plan to a Self-Directed IRA
Rolling Over a Defined Benefit Plan is an increasingly attractive strategy for retirement investors seeking more control over their assets. The main…
Can You Perform a Backdoor Roth Every Year?
The “Backdoor Roth IRA” is a popular Roth conversion strategy that allows high-income earners to make Roth IRA contributions. Can you perform a…
Can I Have Multiple Solo 401(k) Plans?
A Solo 401(k) plan is an IRS-approved retirement plan, which is designed for self-employed and small business owners without full-time employees,…
Beyond the SEP IRA: A High-Earner’s Guide to the Solo 401(k) in 2026
As a successful self-employed professional, you've mastered your craft. Whether you're an IT consultant, a marketing guru, or a freelance designer,…
Pension Plan Rollovers to a Solo 401(k) Plan
Can I use my pension to fund a Solo 401(k)? Yes, you can fund a Solo 401(k) with your pension through a rollover. This transfer offers tax-deferred…
Can I Invest My IRA in a Business I Work For? IRS Rules You Must Know
Working at a company you believe in is truly important. Being able to go to work every day and feel like you are contributing to a growing business…
How Does ROBS Work?
A Rollover Business Startup (ROBS) arrangement allows you to use retirement funds, tax and penalty free, to finance a new or existing business. If…
IRA Financial vs Inspira Financial
When it comes to self-directed retirement investing, IRA Financial and Inspira Financial (formerly Millennium Trust Company) take very different…
Self-Directed IRA Contribution Limits
If you’re looking to take control of your retirement investments, understanding Self-Directed IRA contribution limits is essential. A Self-Directed…
How to Handle Repairs and Maintenance on Your IRA-Owned Property Without Breaking the Rules
Managing repairs and maintenance for properties held in a Self-Directed IRA is crucial, not just for keeping things compliant but also for boosting…