IRA Financial Group Podcast Episode 124: There Is One Thing The Left And Right Can Agree On – The U.S. Retirement System Works

April 25th, 2018

IRA Financial Group’s Adam Bergman discusses how the U.S. retirement system is one thing that the government has gotten right and why you don’t see much debate in Congress about it. Click Here to Listen  

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What You Need To Know Before Transferring Retirement Assets to a Self-Directed IRA

April 11th, 2018

The self-directed IRA structure is a solution that allows one to use their retirement funds to make real estate and other investments without tax.  One of the more popular ways to fund a self-directed IRA is via a contribution, transfer or rollover. In general, you can transfer, tax free, assets (money or property) from other […]

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Not All Solo 401(k) Plans Are The Same

March 26th, 2018

Here’s the latest article by Adam Bergman that originally appeared on – A Solo 401(k) plan is not a new type of retirement plan. It is a traditional 401(k) plan covering only one employee. In general, in order to be eligible to establish a Solo 401(k) plan, one must be self-employed or have a […]

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Why Choose a Solo 401(k) Plan Over a SIMPLE IRA for Your Business

October 19th, 2017

A SIMPLE IRA plan is similar to a Solo 401(k) Plan in that it is funded by employee deferrals and additional employer contributions. However, unlike a Solo 401(k) Plan, a SIMPLE IRA plan uses an IRA-type trust to hold contributions for each employee, rather than a single plan trust that is typical of a traditional […]

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The Rollover Rules for Your Self-Directed IRA

June 12th, 2017

Individuals may generally rollover their retirement savings between eligible defined contribution plans, defined benefit plans and pre-tax IRAs, including SEP IRAs and SIMPLE IRAs to a Self-Directed IRA. Eligible defined contribution plans include qualified 401(k) retirement plans under Internal Revenue Code Section 401(a), 403(a), 403(b), and governmental 457(b) plans. Individuals may also roll over after-tax […]

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What Types of Retirement Plans can I Use with ROBS?

May 25th, 2017

It’s a little known fact that you can use retirement money to start your own business.  This is known as the Rollover Business Start-up Solution, or ROBS.  If you have funds in any of the following types of retirement plans, you can use them to finance your startup: Traditional IRAs 401 (k) Plans 403 (b) […]

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Retirement And Educational Savings Tax Planning Tips To Lower Taxes In 2017

April 24th, 2017

Now that the tax filing deadline has passed for the 2016 tax year, this is a perfect time to start thinking about some simple ways to boost retirement savings and at the same time lower overall tax liability for 2017. Start Thinking IRA: For 2017, the maximum IRA contribution is $5,500, or $6,500 if you […]

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Understanding Your Options When Inheriting An IRA From A Non-Spouse

January 27th, 2017

Here’s another article from Adam Bergman that originally appeared on – Unfortunately, the Internal Revenue Service (“IRS”) does not allow you to keep retirement funds in your account indefinitely. The required minimum distribution rules (“RMD”) were created in order to guarantee the flow of IRA funds into the federal income tax system as well […]

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