The IRA Financial Difference

Experience You Need

IRA Financial Group has over a decade of experience helping investors self-direct their retirement accounts.

A Team You Can Trust

Our tax and ERISA professionals have helped over 12,000 clients invest $3 billion in alternative assets.

Unbeatable Reputation

IFG founder Adam Bergman is a leading voice on self-directed retirement & has authored 7 books on self-directing.

Tell Us What You Need

Our team will work one-on-one with you to establish a Self-Directed IRA, Solo 401(k) or ROBS solution that fits your goals.

A Self-Managed IRA LLC allows the IRA Holder to:

Use the same Self-Managed IRA LLC to purchase domestic and foreign real estate, private mortgages, gold and stocks, bonds and mutual funds inside the same plan and generate profits tax-free

Purchase real estate foreclosures and tax liens on the spot, or make personal loans by simply writing a check and generate profits tax-free

Buy your retirement home or vacation property now at today’s prices, rent it out, and then move in at the age of 59 1/2

Diversify your retirement portfolio and invest in almost any type of investment tax-free

How to use a Self-Managed IRA LLC to make investments

Establish Self-Managed IRA LLC with IRA Financial Trust.

Your IRA assets/cash can roll over to IRA Financial Trust tax-free.

A special purpose LLC will be established that will be wholly owned by the IRA. The IRA assets/cash will then go into the LLC tax-free in exchange for 100% interest in the LLC.

You, as manager of the LLC, will open a bank account for the LLC at any local bank. IRA Financial will draft the LLC Operating Agreement. This identifies you as manager of the LLC and the IRA as the sole member.

You, as manager of the LLC, will then have “Checkbook control” over all the assets/funds in the IRA LLC to make the alternative asset investment.

Since one IRA will own the LLC, it’s treated as a disregarded entity for federal income tax purposes. No federal income tax return needs to be filed. All income and gain from the real estate investments will flow back to the IRA without tax.

Advantages of the “Checkbook Control”
Self-Managed IRA LLC

  • Invest in what you know and understand tax-free, such as real estate, hard money loans, private businesses, and much more.
  • Take control of your IRA assets and make investments from a local bank account.
  • Making an investment is fast and easy
  • Save on custodian fees – no transaction or annual account balance fees
  • Invest with limited liability protection
  • Asset & creditor protection

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“What about your IRA, including rollover IRA? You need to look at state law, advises tax attorney Adam Bergman of New York’s IRA Financial Group. ‘If you have a judgment against you and you don’t file for bankruptcy, most states will still protect your IRA from the judgment,’ says Mr. Bergman.”

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“Jeff Brown…transferred roughly $50,000 from his workplace 401(k) account to purchase homes to fix up and sell, partnering with a few other investors. He uses a self-directed IRA that he set up through IRA Financial Group in Miami Beach, Fla.”

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“Adam Bergman…gets several calls a day from clients like McDermott looking to invest their retirement funds in real estate. ‘Our average client has retirement accounts of about $150,000 and is looking to buy one or two properties,” he said. “After 2008, they didn’t trust Wall Street. They wanted hard assets.'”

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