IRA Financial Blog
Insights, strategies, and expert answers on self-directed retirement, taxes, and alternative investing.
Can I Contribute to a Traditional IRA and Roth IRA in the Same Year?
One of the most common dilemmas facing Self-Directed IRA investors is whether they should make annual contributions in pretax or Roth. This…
Taking RMDs from Retirement Accounts
As we approach the end of the year, it's time to start getting your retirement accounts in order. There are certain things you must do,…
Navigating the Plan Asset Rules for a Self-Directed IRA Investment
For Self-Directed IRA investors seeking to make alternative asset investments, there are a set of rules known as the “Plan Asset Rules” that must be…
Solo 401(k) Paperwork – What You Need to Know
The amazing thing about technology is that you do not have handle any of the paperwork for your Solo 401(k) plan. IRA Financial has an app…
Safe Harbor 401(k) – The Best Small Business 401(k) Plan
Employers start a 401(k) plan for many reasons. A well-designed 401(k) plan can help attract and keep talented employees and allows participants to…
Use a Solo 401(k) to Buy Cryptocurrency
If you are self-employed, you can use the Solo 401(k) to buy cryptocurrency. The Solo 401(k) is a unique retirement plan designed for self-employed…
Options for Reducing California Franchise Fee for a Self-Directed IRA LLC
One of the most common questions for any potential Self-Directed IRA LLC investor who is a resident of the state of California, or is seeking to…
What Is the 4% Rule for Retirement?
Planning for retirement can be daunting. Questions about how much to save, when to start withdrawing, and how to ensure your money lasts throughout…
Using a Gift to Fund an IRA
For many grandparents or parents seeking to help family members pay for college, buy a home, or just have extra money for retirement, gifting funds…
Can I be an Officer of a Company my IRA will Invest In?
One of the most misunderstood facets about the IRS prohibited transaction rules involves using a Self-Directed IRA to invest in a business where one…
Can a 403(b) be Converted to Roth?
A 403(b) plan, sometimes called a tax-sheltered annuity (TSA), is a retirement plan offered by public schools, churches, and certain 501(c)(3)…
How to Generate a Guaranteed 7.5% Rate of Return from your 401(k)
In 2025, earning a guaranteed 7.5% on your 401(k) plan investment with no risk seems almost too good to be true. Here is the thing – it is…