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Five Key Elements to Private Money Lending

Privately money lending through a Self-Directed IRA or 401(k) to real estate investors is a commonly used strategy that may grow retirement funds. In addition to consulting a team of advisers to decide if the debtor’s investment plans are in unison with your professional portfolio, there are a few case-specific characteristics to consider.

Does Converting to a Roth IRA Make Sense for You?

Periodically, the question arises of whether to convert a Traditional IRA to a Roth IRA. Generally clients must ‘crunch the numbers’ to decide whether this makes financial sense. As with most tax calculations, there is no hard and fast rule for everyone. Several factors need to be considered. Some are easy to determine (your age, ability to pay the tax without retirement funds) and others are not so easy (rate of return on investments and effective tax rate in retirement)

Is it a Good Time to Convert Real Estate in Traditional IRAs to Roth IRAs?

Now that we are into the New Year, savvy investors holding real estate in traditional IRAs are assessing whether now is a good time to convert those IRAs to Roth IRAs. The main reason investors consider converting is to place those retirement plans in a better tax position. Keep in mind that earnings on Roth IRA investments grow tax free as opposed to just growing tax deferred as in the case of Traditional IRAs.

What is a Self-Directed IRA?

A Self-Directed IRA gives you, as an individual, complete control over selecting and directing your individual retirement account investments. You make all decisions regarding your investments. With a Self-Directed IRA you are not limited to the typical investment...

IRS: 2014 Pension Plan Limitations

IRS Announces 2014 Pension Plan Limitations; Taxpayers May Contribute up to $17,500 to their 401(k) plans in 2014 IR-2013-86, Oct. 31, 2013 WASHINGTON — The Internal Revenue Service today announced cost‑of‑living adjustments affecting dollar limitations for pension...

What is a Traditional IRA?

Source: www.irs.govA traditional IRA is any IRA that is not a Roth or SIMPLE IRAWho Can Set Up a Traditional IRA?You can set up and make contributions to a traditional IRA if:You (or, if you file a joint return, your spouse) received taxable compensation during the...

What is a SIMPLE IRA

Source: www.irs.gov A SIMPLE IRA plan is a Savings Incentive Match PLan for Employees. Because this is a simplified plan, the administrative costs should be lower than for other, more complex plans. Under a SIMPLE IRA plan, employees and employers make contributions...