IRA Financial Blog
Insights, strategies, and expert answers on self-directed retirement, taxes, and alternative investing.
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),…
What is Unrelated Business Taxable Income (UBTI)?
The tax advantage of an IRA is that income is tax-free until distributed. In general, an exempt organization is not taxed on its income from an…
401(k) Rollovers & Possible Tax Consequences
One of the major differences between an IRA and a 401(k) plan, from the perspective of the individual retirement account holder, is that an IRA…
How Much Do I Need to Start a Self-Directed IRA?
Over the last several years, as a result of technology and more industry efficiency, opening a Self-Directed IRA is now easier and more…
What is the Rollover Business Startup Solution?
ROBS Solution, or the Rollover Business Start-up (aka Rollover as Business Startups), is an IRS and ERISA approved structure. It allows you to…