How Self Directed Investors Think Differently About Their IRAs
Most people view their IRA as a passive account. Money goes in every year. Mutual funds move up and down. The balance grows or shrinks with the markets and everything feels outside your control. Self directed investors take a completely different approach. They see...Shift Income To Take Advantage of The 0% Long-Term Capital Gains Rate
Are you thinking about making financial gifts to loved ones? Would you also like to reduce your capital gains tax? If so, consider giving appreciated stock instead of cash. You might be able to eliminate all federal tax liability on the appreciation — or at least...How Self Directed Investors Turn Their IRAs into Tools for Growth
Most people think of their IRA as a passive account. A place where money is parked until retirement, moving up and down with the stock market. But for self directed investors, an IRA is far more than a static savings vehicle. It’s a strategic tool. One that can...How The Social Security Wage Base Will Affect Your Payroll Taxes in 2026
The 2026 Social Security wage base has been released. What’s the tax impact on employees and the self-employed? Let’s take a look. FICA tax 101 The Federal Insurance Contributions Act (FICA) imposes two payroll taxes on wages and self-employment income — one for...Earn Interest, Not Properties: Tax Liens 101 for IRA Investors
Discover how investors earn 12–20% interest through tax lien investing inside a Self-Directed IRA. Watch CPA Jack Kiley explain lien vs deed investing, county auction rules, and how to use retirement funds for this often-overlooked strategy.
Understanding UBIT and UDFI: When Your IRA’s Earnings Become Taxable
Not all income inside an IRA is automatically tax free, especially when leverage or active business activity is involved. Two key concepts every self directed investor should understand before year end are UBIT and UDFI. This article explains when these taxes apply, how to plan for them, and why they matter as 2026 tax changes approach. Whether you invest through real estate, private lending, or partnerships, understanding UBIT and UDFI can help you stay compliant and protect your returns.
How to Plan Your Year-End IRA Moves Before December 31
Before closing out the year, make sure your IRA gets the same attention as your other investments. A few key actions before December 31 can reduce taxes, prevent penalties, and position your account for stronger returns next year. This article outlines the most important year end steps to take, from confirming RMDs and evaluating Roth conversions to reviewing contributions, valuations, and beneficiary designations.
What Every Real Estate Investor Should Know About IRA Rules
Real estate can be one of the most powerful ways to grow your retirement wealth when done correctly. A Self Directed IRA gives you the freedom to invest in real property, notes, and private deals but also comes with strict IRS rules that investors must follow. This article explains how to use retirement funds for real estate while avoiding prohibited transactions, disqualified persons, and costly mistakes. Whether you are a hands on investor or exploring your first IRA purchase, this guide will help you structure your deals with confidence and compliance.
Boost Your Tax Savings by Donating Appreciated Stock Instead of Cash
Are you charitably inclined and looking for a powerful year-end tax-saving strategy? Consider donating appreciated publicly traded stock you’ve held more than one year to a qualified charity. You may be able to enjoy two tax benefits.