Why Choose IRA Financial

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.

Benefits Of A Solo 401K

High Contribution Rates

Cost-Effective Plan

A Solo 401(k) has fewer filing requirements than a SEP IRA, making it the more cost-effective plan. With minimal filing requirements, it’s also easier to administer.

Transaction Penalties

Prohibited Transactions

The Solo 401(k) IRS rules state that you cannot invest in a transaction that’s deemed prohibited. These are known as prohibited transactions, which can be found under IRC section 4975.

Finance A New Business

The $50,000 Loan

The Solo 401(k) IRS rules state that you can take a loan at any time, borrowing up to $50,000 of your account value. You can use the loan for anything, like adding more funds into your plan.

New 401K Plan

Solo 401(k) Eligibility

You’re eligible for a Solo 401(k) plan if you’re a small business owner with no full-time employees. The self-employment benefits make it the perfect for sole proprietors, independent contractors and consultants.

Quick Access to Funds

Checkbook Control

You can make almost any type of investment on your own without the need of a custodian. With “checkbook control,” you serve as trustee of your Solo 401(k) and never need custodian consent

Grow Your Business

Opportunities To Invest

You can make traditional and alternative investments with your Solo 401(k) Plan. Alternative investments include practically any type of investment, except what the IRS considers prohibited.

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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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