September 29, 2020 to Expand National Investor Education Outreach

Self Directed IRA Rules and Tax Benefits: to Expand National Investor Education Outreach (via PRWeb)

IRAcheckbook, a National Self Directed IRA Facilitator has launched a free 5 part educational email series to educate investors on the benefits and limitations of the self directed IRA. We help you gain control of your retirement funds. The Self Directed…

[Read more...]

Self Directed IRA becoming more common place that before…

Self Directed 401K for Real Estate Investing Now Accepted by Capital Company (via PRWeb)

Self directed 401k for real estate investing is now being accepted into the programs available at the JWB Real Estate Capital website. Retirement account holders can now buy houses for sale. It is possible to use retirement funds to purchase a home…

The Self Directed IRA Process

Why hasn’t my Financial Advisor /Tax Attorney/ CPA about the Self Directed IRA process?

self-directed-IRA-process-slideWall Street has a big megaphone, and until recently has been a safe investment. Your tax or financial advisor may not have heard of Self Directed IRAcheckbook LLCs because the traditional financial institutions prefer to focus on selling the more profitable (for them) equities, bonds, and mutual funds. The demand for self-directed investment rises with stock market uncertainty; couple that with a depressed real estate market and there is a real opportunity to affect retirement fund growth.

Although we have a graphic and detailed text on our website a majority of our email questions center around investors wanting to know how the process works in compliance with self directed IRA rules.  People have been conditioned to invest retirement funds into corporate stock like Walmart (NYSE:WMT) and Ford (NYSE: F).  Well our process facilitates the creation of your own “self directed” company for the IRA funds to be invested.  As a matter of fact, your IRA becomes the only investor in the “self directed company” and you have complete control as sole manager.

Times have changed.
More and more Americans are demanding choices, especially when it comes to how their retirement money is being managed and invested. This is why “alternative investments” play such a large part in The IRA Checkbook.

How else does IRA Checkbook differ from my regular IRA?

The IRAcheckbook’s two main benefits are self-directed investing and checkbook convenience, which enable you to invest in what you want, when you want. These benefits are not possible in a regular IRA.  In addition, the Custodial fees are small, flat, and unrelated to the value of your assets (no percentage fees). Need more information? We have a free 5 part automated email series that details the five main things you need to know about the Self Directed IRA. Here’s the link:


Self Directed SEP IRA can help IRS Reporting

self directed sepira

The Self Directed SEP IRA

with its checkbook IRA features that allow your account to basically operate like an IRA checkbook is the topic of many conversations this time of year as self employed search for ways to reduce their tax liabilities and increase funds for the future. A self-directed IRA can be a very valuable tool. SEP IRAs or Simplified Employment Pensions Individual Retirement Arrangements (IRA).
Think you know everything about your IRA? Visit our IRA page.

Here’s a good article showing the latest push from the IRA to tighten SEP IRA reporting requirements.
IRS Told To Tackle Pension Plan Contribution Tax Abuse
by Mike Godfrey,, Washington 02 April 2014

The Treasury Inspector General for Tax Administration (TIGTA) has recently publicly released his report which points out that the United States Internal Revenue Service (IRS) allows millions of dollars in potentially improper self-employed retirement plan deductions each fiscal year.

TIGTA’s report presented the results of its review to determine whether the IRS’s controls and third-party data are adequate to identify improper deductions for contributions made by self-employed taxpayers to their own Simplified Employee Pension’s (SEP) Individual Retirement Arrangement (IRA) accounts.

SEP IRAs are managed by financial institutions (or entities approved by the IRS) serving as third-party trustees. These institutions annually notify employers, employees, and the IRS of contributions made to SEP IRAs. In 2011, total contributions amounted to USD1.7bn for more than 207,000 taxpayers.

- See more at:

What to get the facts on What Self Directed IRA rules impact you? What you can and cannot invest in with a self directed IRA? We have a 5 part mini course that is a great base of information.
No obligation and no sales all needed to get the info emailed to you automatically.

Self Directed Retirement Investing or Pay the IRS

6 Do’s and Don’ts of Self Directed Retirement Investing

by Amanda Han on August 21, 2013 · 33 comments

self directed retirement investing

If you have taxes due for the September or October 15th deadline, you may want to work with your tax advisor to find ways to pay towards your retirement account rather than the IRS. The goal with self directed retirement investing is to shift money that would otherwise go to the IRS into your retirement account. This is completely legal and specifically allowed by the IRS. In fact, the IRS wants you to do it.

Did you know that most people can put way more than the $5,500 or $6,000 into a retirement account? In fact, you may be able to put over $100,000 per year into a retirement account and take a $100,000 tax deduction for it.

Curious? Keep reading.

If you are just getting starting investigating the self directed IRA or you want to advance your knowledge with new ways to invest in alternate investments and the rules of the SDIRA, then request our 5 Part Series on the Self Directed IRA.



Self Directed Investors Show Remarkable Confidence in Reaching Retirement Goals

alternate IRA investmentsWe found this article to be a third party confirmation of what Self Directed investors can do with the proper tools, resources and a self directed IRA.

PRESS RELEASE March 11, 2014, 4:10 p.m. ET

Self Directed Investors Show Remarkable Confidence in Reaching Retirement Goals

Investors more likely to recommend online tools than talking with a professional

NEW YORK–(BUSINESS WIRE)–March 11, 2014–

E*TRADE Financial Corporation (NASDAQ:ETFC) today announced results from the most recent wave of its quarterly self-directed online investor tracking study.

    – 89 percent age 55-64 believe retirement is real and they will one day notneed to work and be able to live comfortably.

    – 81 percent of the total population believes they will retire between theage of 55 and 74 — only 5 percent believe they will never retire.

    – 63 percent age 55-64 believe they won’t need to work at all inretirement.

“At first look this level of confidence may seem surprising,” said Lena Haas, SVP, Retirement, Investing and Saving at E*TRADE Financial. “But it’s important to remember that these are self-directed investors, and they are all about doing their homework, validating their thinking with professionals when they have a question, and executing a plan. Confidence is a direct result of this process — it’s about knowing that the steps you take today will set you up for tomorrow.”

Several data points also suggest that a successful strategy for these investors is simple yet disciplined: start early, use an online tool, make automatic contributions and don’t tap the well early.

    – 47 percent age 65+ wish they started to save earlier for retirement.

    – 81 percent have never taken out money from an IRA or 401(k) before theage of 59.5.

    – 55 percent of the total population recommends online tools that helpdetermine monthly contributions, followed by talking with a professional(43 percent), attending in-person seminars (25 percent)
and watchingonline tutorials (23 percent).

    – 63 percent of the total population believes automated contributions arebetter than periodically deciding how much you want to invest (37percent).

“Discipline in investing is the best advice,” continued Haas. “What is striking is that while professional advice continues to be relevant, online tools are leading the pack on what’s most helpful. This is a critical trend.

“While many investors will always value professional advice, investors are less willing to cede complete control to professionals and instead want more control and insight into their investments — even if they want their plan managed by someone else. And today investors have the tools and technology to do just that. When it comes to saving for retirement we are in a different world than we were a decade ago.”

 E*TRADE is a partner in helping investors balance today’s needs with tomorrow’s goals, through access to curated content and insights with actionable tools — complemented by unbiased guidance — online and from seasoned financial consultants. To learn more about retirement planning, visit

 E*TRADE will host its third annual National Retirement Education Day on March 13, 2014. The day offers a number of events, all of which are free for any investor looking for guidance in achieving their financial goals. Visit E*TRADE’s Retirement Day section on for registration details and a full schedule of events.

 For useful insight from E*TRADE and third-party investment experts, follow the Company on Twitter, @ETRADE.

 About E*TRADE Financial

The E*TRADE Financial family of companies provides financial services including online brokerage and related banking products and services to retail investors. Specific business segments include Trading and Investing and Balance Sheet Management. Securities products and services, including IRAs, are offered by E*TRADE Securities LLC (Member FINRA/SIPC). Bank products and services are offered by E*TRADE Bank, a Federal savings bank, Member FDIC, or its subsidiaries and affiliates. More information is available at ETFC-G

About Research Now

Research Now, a leading digital data collection provider, powers market research insights. We enable companies to listen to and interact with the world’s consumers and business professionals through online panels, as well as mobile, digital and social media technologies. Our team operates in over 20 offices globally and is recognized as the market research industry’s leader in client satisfaction. We foster a socially responsible culture by empowering our employees to give back. To find out more or begin a conversation with us, visit

About the Survey

This wave of survey was conducted from Dec. 2 to Dec. 10 of 2013 among an online U.S. sample 900 self-directed active investors who manage at least $10,000 in an online brokerage account. The survey has a margin of error of +/-3.2 percent at the 95 percent confidence level. It was fielded and administered by ResearchNow. The panel is 59 percent male and 41 percent female with an even distribution across online brokerages, geographic regions and age bands.

Important Notices

E*TRADE Financial, E*TRADE and the E*TRADE logo are trademarks or registered trademarks of E*TRADE Financial Corporation.

(c) 2014 E*TRADE Financial Corporation. All rights reserved.

E*TRADE Financial Corporation and ResearchNow are separate companies that are not affiliated. E*TRADE Financial Corporation engages ResearchNow to program, field and tabulate the study.


CONTACT: E*TRADE Media Relations Thayer Fox, 646-521-4418

 E*TRADE Investor Relations  Brett Goodman, 646-521-4406

SOURCE: E*TRADE Financial Corporation

Copyright Business Wire 2014


Who Can Establish a Self Directed SEP IRA?

Self Directed SEP IRA vs. a Traditional SEP IRA

Who Can Establish a traditional SEP IRA? SEPs can be established by any type of business entity, including a sole proprietorship and independent contractors. SEPs are a great opportunity for the self-employed. What is a SEP IRA? Known as a SEP or SEP IRA, a Simplified Employee Plan is a retirement plan established by an employer, a sole proprietor, or an independent contractor. A SEP permits the self-employed or employers to make deductible contributions. These contributions are made to a Traditional IRA. Contributions to a SEP in any given year can be made up to 25% of earned income (with certain dollar limits).

self directed sep ira What is a Self-Directed SEP IRA? You can transfer all or part of your account to a self-directed SEP IRA. This combines the higher contribution benefit of the SEP with individual control. With a     self-directed retirement account – you decide how to invest. When should a Self-Directed SEP IRA be considered? If You Are Self Employed as an independent contractor or sole proprietor, or are part of a partnership, C-corp or S-corp. If You Want Greater Investment Choices and you are unsatisfied with the returns offered by your current retirement account.

With a self directed SEP IRA, you won’t be restricted to mainstream investments like mutual funds, stocks and bonds. You can have a wider choice of investment options including real estate, mortgages, tax liens, notes, precious metals and more. If Your Business Income Fluctuates and you don’t want to be locked into making contributions annually to an employer-sponsored plan. Low administrative costs and easy set-up are two major advantages of an self directed SEP IRA over other qualified plans. If You Want To Reduce The Tax Withheld From Your Paycheck. Contributions to your SEP account are not subject to FICA or other tax withholdings (does not apply to self-employed individuals). If You Want Tax Benefits. All SEP contributions are deductible for employers. If You Want To Shelter Interest Earnings. Interest earned in an IRA is not taxed until withdrawn (generally upon retirement). – See more HERE.

IRA Checkbook

selfdirectedSEPIRAhelpIRA Checkbook Premier Self Directed IRA Facilitators

Self directed IRA facilitators are professional service companies that help people set up self-directed IRAs. Properly setting up your self-directed IRA or self directed SEP IRA, or self directed 401k requires a level of tax and legal knowledge that most people don’t have total access. Unless you are a tax attorney, it is probably a good idea to seek help if you want to set up a self-directed IRA. We have helped people just like you set up a self directed IRA checkbook so they could use the checkbook IRA to buy real estate (so they call it a self directed real estate IRA or real estate 401k), or invest in tax liens (so they want an alternative investment IRA), and some want to invest in precious metals (so they ask for a gold IRA). Actually these are all set up using the same self directed IRA rules.

What does a self directed IRA facilitator like IRAcheckbook do?

1. Answer your questions, and educate you on how to avoid self directed IRA prohibited transactions
2. Create an Limited Liability Company (LLC) on your behalf that is properly structured
3. Help create a new self directed IRA account for you with a licensed self directed IRA custodian
4. Assist you with rolling over your IRA or 401k funds into the new self-directed IRA
5. Ensure that the self directed IRA’s investment into the Limited Liability company (LLC) is done correctly
6. Make the process as quick and simple as possible for you via phone, fax and FedEx.

As Self-directed IRA facilitators we never handle your money directly. We assist you with filling out rollover documents, setting up bank accounts and so on, but never actually handle your IRA or 401k funds.  The sooner you give us a call at 800-530-8522  we can review your investment goals and explain the benefits and applications of the self directed IRA.

No time to talk now?  Get the facts via email HERE.

Read More Details, Including a checklist to see how we stack up is available at NuWire Investor

The Checkbook IRA Franchise Funding Solution

Self Employeed Self Directed IRAYou always hear about Self Directed IRAs and its flexibility regarding various investment opportunities. It is where your IRA funds are easily accessible through a checkbook IRA. We will now talk about some of the options you can choose in terms of real world investments. One of the simplest and in fact safest ways to go is buying the right franchise from your Self Directed IRA. Now you may be wondering why buy a franchise and not just go with the traditional option of purchasing stocks and bonds with your IRA funds? Let us discuss some of the advantages of a self directed IRA funding a franchise.

First, I would recommend seeking professional guidance on the best franchise that meets the some important criteria: Capital investment levels, industry, time on site requirements, and overall competitiveness of the brand. There is a great resource that I found and would highly recommend – they can help your every step of the process and at NO Cost to you.

For those with limited IRA balances, it does not have to be a huge expensive fast food brand or a car dealership. There are a variety of small business franchises out there that offers indispensible services that are sure to have a steady customer base. This means the business will get a stable and regular income. Sure stocks and bonds may pay off but there can never be a 100% surety on that. Why not use your own money like an IRA checkbook to finance a small venture that you can run hands on. Would this not offer more stability and security plus an added peace of mind knowing you control where your money is headed. Your IRA funds earn compounding interest over the years but would it not be better and more practical to use that money now? Instead of having your account grow with interest why not use the fund by buying a franchise from your self directed IRA and earn profit from your business venture.

You may not be able to afford the purchase of franchises form big name brands but there isn’t a shortage of low to middle cost options out there. When you go to the mall you can probably notice the abundance of food kiosks. They are usually sold as franchises and everything from supplies to training staff are handled by the mother companies. They are small, easy to manage and generate a steady stream of income. Start up capital for these types of ventures are low, quite affordable and very well within range of your self directed SEP IRA. If it works out why not go and buy more. You can also buy other brands of the same type of franchise since you already know how it works and that it does work.

One of the trends going around these days is green ventures. With people’s preoccupation with earth friendly technology and techniques, and individuals changing their diets to healthier “greener” programs nowadays, it doesn’t take a Harvard business graduate to figure out that “green” sells. There are a number of these so called green companies out there and some of them, even the ones offering franchises at reasonably low prices, are in the fortune 500 listing. So go and check out some of the franchises out there available to you.

Finding a business you can invest in is good first step, but there’s still the problem of financing. There are a variety of financing options that can help you out with the start up, especially if you can use your checkbook IRA to make a down payment toward equity. A lot of brands out there will actually help you out with the financial planning. It is not hard to find low cost but high yielding venture out there that would not make buying a franchise from your self directed IRA a risky move. On the contrary, with proper research and preparation, it makes for a very intelligent move when it comes to properly investing in your future. Still not enough capital? Bring in some help. Sometimes friends or distant family members want to help, but have their assets “tied up” in the market via traditional IRAs. Well now they can unleash that capital as easy as a checkbook IRA. You will need to investigate the self directed IRA rules regarding prohibited transaction, but we can guide you through that without any issue. Get the Facts emailed to you HERE.

Learn What Different Types of IRA’s Can Offer

Retirement SavingsThere’s never a bad time to start thinking about your retirement. One of the best things that you may want to consider is an IRA. Short for Individual Retirement Arrangement, these types of Individual Retirement Funds were introduced in 1974 along with the roll out of the Employee Retirement Income Security Act.

There are several different kinds of IRAs that you might want to consider adding to your portfolio. While different than traditional pension funds and 401(K) retirement funds, an IRA could still be the perfect thing to add to your retirement portfolio.

A No Fee IRA
A no fee IRA could be one of the most enticing options. Also known as a Roth IRA, a no fee IRA will allow you to make contributions without having to worry about any fees. While you won’t be eligible for tax deductions, you will not owe any taxes for the money in your account. Initially introduced in 1997, it’s estimated that 12% of all IRA accounts within the U.S. are no fee Roth IRAs.

A Traditional IRA
The oldest of the IRA types, this type of account established all the precedents that custodians follow today. As you make contributions, you’ll be eligible for tax deductions. Once you reach the age of 59.5, you can start taking money out, at which time it’ll be subject to certain fees. Any money withdrawn before that will be subject to a 10% penalty tax in addition to any other applicable taxes.

A Simple IRA
This type of plan is used primarily by small business owners. Like other self directed IRAs, there are certain limits. The contribution limit for this IRA is $11,500, unless you’re over the age of 50. In that instance, an extra $2,500 a year can be deposited. This IRA is typically considered to be in between the traditional and no fee IRA, in terms of complexity.

No matter which avenue you may choose to pursue, it helps to get advice from a true group of experts. Understanding everything that’s involved will only help you to get the best possible situation for yourself and your retirement. When you’re dealing with something as complex as an IRA, seeking out professional advice is never a bad move.