Why You Should Wait to Convert to a Roth IRA

December 7th, 2016

Nearly every December, one of the more common questions directed at tax professionals is whether one should convert their pre-tax IRA to a Roth IRA.  There is generally no wrong or right answer, but much of the analysis tends to involve the value of the account being converted and the tax rate the taxpayer would […]

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Converting from a Traditional IRA to a Self Directed Roth IRA

February 4th, 2014

The main advantage of a Roth IRA over a Traditional IRA is that if you qualify to make contributions, all distributions from the IRA are tax-free. Furthermore, unlike traditional IRAs, you may contribute to a Roth IRA for as long as you continue to have earned income (for a traditional IRA – you can’t make […]

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The Difference Between a Traditional IRA and a Self-Directed IRA with Checkbook Control

November 26th, 2013

An Individual Retirement Account (IRA) is a tax-deferred retirement account for an individual that permits individuals to set aside money each year, with earnings tax-deferred until withdrawals begin at age 59 1/2 or later (or earlier, with a 10% penalty). Many “traditional IRA” custodians advertise themselves as offering a Self Directed IRA with “checkbook control”, […]

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Recent Wall Street Turbulence Causing Retirement Investors to Turn to Self-Directed IRA

September 6th, 2013

Declining stock prices throughout the summer of 2013 attracting retirement investors to the real estate IRA IRA Financial Group, the leading provider of self-directed retirement solutions, such as the self directed IRA and solo 401(k) Plan, has seen an increasing number of retirement investors looking to make alternative investments with their retirement funds, including real […]

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Advantages of Converting to a Roth IRA

August 19th, 2013

The main advantage of a Roth IRA over a Traditional IRA is that if you qualify to make contributions, all distributions from the IRA are tax-free. Furthermore, unlike traditional IRAs, you may contribute to a Roth IRA for as long as you continue to have earned income (for a traditional IRA – you can’t make […]

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Self-Directed Roth IRA Tax Strategies

August 8th, 2013

Using a Self-Directed Roth IRA LLC presents a number of exciting tax planning opportunities. Whether you currently have a Traditional IRA or a Roth IRA, the IRA Financial Group’s in-house tax and ERISA professionals have significant experience helping clients use a Self-Directed Roth IRA LLC to maximize their tax benefits and investment returns. Investment Tax […]

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The “Checkbook Control” IRA Advantage

August 6th, 2013

Experience the Self-Directed IRA LLC “Checkbook Control” Advantage Many traditional IRA custodians advertise themselves as offering a Self-Directed IRA, but what that really means is that you will need approval from your custodian before making an investment. Whereas, in the case of a truly Self-Directed IRA, a limited liability company (“LLC”) is established that is […]

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Strong Interest in REITs Steering Investors to Self Directed IRAs

May 3rd, 2013

Tax savings involved in a REIT structure causing investors to look for similar tax benefits with a Self-Directed IRA LLC; IRA Financial Group responds with Special Real Estate Roth IRA LLC Solution The growing interest of corporations in changing from a standard corporation to a Real Estate Investment Trust (REIT) in order to benefit from […]

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Who should make Traditional IRA-to-Roth IRA conversions?

April 3rd, 2013

The consensus view is that the conversion route should be considered by taxpayers who: have a number of years to go before retirement (and are therefore able to recoup the dollars that are lost to taxes on account of the conversion); anticipate being taxed in a higher bracket in the future than they are now; […]

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Are Roth IRAs protected from creditors in a bankruptcy proceeding?

February 21st, 2013

Protection for some IRAs came in 2005 through the Bankruptcy Abuse Protection Act. The law provides debtors in bankruptcy with an exemption for retirement assets in qualified plans, qualified annuities, tax sheltered annuities, and self-employed plans. In addition, the law exempts all assets in an IRA that are attributable to rollovers from a retirement plan […]

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