Why Work With IRA Financial

Clients

IRA Financial Group’s tax and ERISA specialists have helped more than 12,000 clients self-direct their IRA and invest $4 billion in alternative assets, such as real-estate.

Books

Founder of IRA Financial Group and former tax and ERISA attorney, Adam Bergman, has published seven books to help investors self-direct their individual retirement account.

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Forbes

Find IRA Financial Group on Forbes! Adam Bergman is a frequent contributor to Forbes.com and an official member of the Forbes Financial Council.

Experience You Need

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

Customer Service You Want

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.

Why Invest In Real Estate

Solo 401k and Real Estate investments

Invest in Something You Understand

Real estate is often a more comfortable investment for everyone because it is much easier to understand.

Solo 401k and Real Estate inflation protection

Inflation Protection

Most investors are looking for ways to protect their portfolios from undue inflation. Diversifying your portfolio can help ensure investors keep inflation at a minimum.

Solo 401k and Real Estate hard asset

Hard Asset

Real Estate is a tangible asset. Investors can say “I own that.” Buying Real Estate with a Solo 401K offers diversification for both personal and retirement funds.

Grow Your BusinessDiversification

Real estate offers diversification from overexposure to Wall Street for both personal and retirement funds. After the 2008 financial crisis, many investors began to appreciate the importance of a well-balanced and diversified retirement portfolio that can help protect against another financial crisis.

Take Advantage of Tax PlanTax-Free Income

All income and gains from real estate owned in a Solo 401k plan are exempt from tax, making real estate an even more powerful investment. The IRS allows you to use a Solo 401k to purchase real estate or raw land as long as your plan documents allow it.

Structuring the Purchase of Real Estate
with a Solo 401(k) Plan

Use your Solo 401(k) funds to make 100% of the investment

If you have enough funds in your Solo 401(k) to cover the entire real estate purchase, including closing costs, taxes, fees, insurance, you may make the purchase outright using your Solo 401(k). All ongoing expenses relating to the real estate investment must be paid out of your Solo 401(k) bank account. In addition, all income or gains relating to your real estate investment must be returned to your Solo 401(k) bank account.

Partner with Family, Friends, Colleagues

If you don’t have sufficient funds in your Solo 401(k) to make a real estate purchase outright, your Solo 401(k) can purchase an interest in the property along with a family member (non-disqualified person), friend, or colleague. The investment would not be made into an entity owned by the 401(k) owner, but instead would be invested directly into the property.

Borrow Money from your Solo 401(k)

You may obtain financing through a loan or mortgage to finance a real estate purchase using a Solo 401(k). Solo 401(k) participants can also borrow up to either $50,000 or 50% of their account value – whichever is less to help finance a real estate investment.

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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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