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  • Plan Types

    Traditional IRA|Roth IRA|SEP |Individual k|Simple IRA

    Discover the Benefits of a Tax-Free or Tax-Deferred Self-Directed Retirement Account


    Retirement accounts provide the opportunity to save money for the future in a tax-free or tax-deferred environment. However, a self-directed retirement account allows the investor to benefit in a variety of alternative investment opportunities with the potential to earn even more.

    Retirement plans for individuals come in all shapes and sizes. The most popular include Self-Directed Traditional Individual Retirement Accounts (IRAs) and Self-Directed Roth IRAs. For small businesses, Self-Directed 401(k)s, Self-Directed SEP IRAs and Self-Directed SIMPLE IRAs are common. In addition, there are savings plans for special needs, such as Self-Directed Coverdell Education Savings Accounts and Self-Directed Health Savings Accounts.

    Individuals obtain these accounts for two key reasons:

    1. Saving for a need, such as retirement, education or health care.
    2. A method for reducing, deferring or eliminating taxes on the gains.
    Self-Directed Roth IRA or Self-Directed Traditional IRA?

    Effective January 1 , 1998, IRC Sec. 408A, enacted under the Taxpayer Relief Act of 1997, permits the establishment of a Roth IRA. A Roth IRA is a type of IRA whereby contributions are not deductible, but distributions (including earnings) can be tax free if certain circumstances exist, particularly if the account is a Self-Directed Roth IRA.

    Understanding general tax law will assist in making the decision between the Traditional IRA and the Roth IRA. Your accountant may be able to assist you in determining the account that will best suit you.

    Small Business Tax Benefits

    Many employers choose a qualified plan to obtain the tax benefits. The tax benefits of qualified plans are worth noting.

    Generally, contributions to a qualified plan by an employer are tax deductible. Earnings on funds held in a qualified plan accumulate on a tax deferred basis. As with plan contributions, earnings on contributions are not taxed until a distribution from the plan actually occurs.

    Effective January 1, 2006, the establishment of a Individual Roth 401(k) was allowed. An Individual Roth 401(k) is a type of 401(k) that allows a small business owner the benefit of tax deductible contributions and non-tax deductible contributions. The non-deductible (Roth contributions) and the earnings can be distributed tax free if certain circumstances exist.

    Learning about and using these accounts will help you meet your retirement planning goals.

    Click on any of the links below for more information:

  • Investment Options

    REAL ESTATE | PRECIOUS METALS | NOTES | LLC(s) | LP(s) |OTHER INVESTMENTS

    Would You Like More Investment Choices for Your Retirement Funds?

    It’s a common misconception among Americans that the only investments allowed in a retirement account are stocks, CDs, and mutual funds. The truth is that broader investment options have been available to the public since 1975, the year contributions could first be made to IRAs.

    Why the confusion? Because the retirement industry has been dominated by large transaction-driven custodians who have focused on a narrow universe of investments. While these kinds of accounts may be right for some, they don’t offer the kind of freedom that a self-directed qualified retirement plan offers.

    To fully maximize your investment options, you need to have a retirement plan that allows you to select your own self-directed investments. A fully self-directed retirement plan allows you the freedom to invest in many types of assets - assets that are not prohibited by the U.S. Treasury Department regulations and the Internal Revenue code.

    With an Entrust self-directed IRA or real estate IRA, you are in full control and can choose from a wide range of permissible assets.

    We specialize in the record keeping and administration of all truly self-directed qualified retirement plans and their unique investments. Our strength comes from our focus on education and knowledge gained from 25 years in the industry, providing you with the tools and information needed to make good decisions to enhance your self-directed investments.

    Here are some of the self-directed investment options that our current clients have taken advantage of:

     

 

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