IRA Financial Group Podcast Episode 88: New Bitcoin Futures Exchange – What it Means for Self-Directed IRA and Solo 401(k) Plan Investors

December 11th, 2017

IRA Financial Group’s Adam Bergman discusses the new Bitcoin Futures Exchange and what it means for retirement investors looking to buy cryptocurrency.   Click Here to Listen  

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Can You Make Contributions to Both a Solo 401k and SEP IRA?

December 4th, 2017

Yes. You can make contributions to both a SEP and a Solo 401K Plan. In other words, a business can have both a SEP IRA and a Solo 401(K) Plan, although, there is generally no advantage for a business to have both active at the same time. A Solo 401(k) Plan includes both an employee […]

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Rules for a Solo 401(k) Plan Loan

November 29th, 2017

Under a solo 401(k) Plan, a plan participant may be eligible to obtain a loan from the vested balance of the solo 401(k) plan balance without triggering a distribution subject to tax or penalty. With IRA Financial Group’s solo 401(k) plan, the IRA or 401(k) plan funds rolled into the new solo 401(k) plan, as […]

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True Facts About the Self-Employed 401k Plan

November 22nd, 2017

The Self-Employed 401(k), also known as a Solo 401(k) Plan, is essentially a regular, plain-old, vanilla 401(k) plan that has one participant, who is a self-employed individual, or that person and his or her spouse. There is some misinformation being disseminated about these plans and we would like to set the record straight. We want […]

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Can You Adopt a Separate Individual 401(k) for Another Business

November 15th, 2017

One must first determine whether adopting the additional Solo 401(k) would violate the CONTROLLED GROUP RULES set up by the IRS and Department of Labor. The Controlled Group Rules were created essentially to protect employees from a business owner or executive establishing a separate 401(k) plan for another business and thereby not offering those employees […]

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What Transactions Trigger the UBTI Tax with a Self-Employed 401(k)?

November 10th, 2017

In general, most passive investments that your Self-Employed 401(k), also known as a  Solo 401(k) Plan, might invest in are exempt from UBTI. Some examples of exempt type of income include: interest from loans, dividends, annuities, royalties, most rentals from real estate, and gains/losses from the sale of real estate. When an exempt organization such […]

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Helpful Tips for Real Estate Investing with an Individual 401k

November 6th, 2017

IRA Financial Group’s Self-Directed Individual 401(k) Plan, also called a Solo 401(k), offers one the ability to use his or her retirement funds to make almost any type of investment on their own without requiring the consent of any custodian or person. The IRS and Department of Labor only describe the types of investments that […]

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2018 Solo 401(k) Contribution Limits Announced

October 23rd, 2017

Under the 2018 Solo 401(k) contribution rules, a plan participant under the age of 50 can make a maximum annual employee deferral contribution in the amount of $18,500. That amount can be made in pre-tax, after-tax or Roth. On the profit sharing side, the business can make a 25% (20% in the case of a […]

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