Americans are seeking diverse ways to expand their investment portfolios and protect assets from market volatility and inflation. Hard assets such as metals are a popular choice. Approximately 38.6% of U.S. adults between 35 and 64 bought gold or silver in the last year as an investment. Despite growing interest in hard asset investments, regulations for investing in […] Read More…
Read More →For centuries, the question of gold versus paper money has shaped views on preserving wealth, especially during inflation and market instability. Gold and paper money serve different purposes. Gold is a tangible, limited asset, while paper money is flexible and supports everyday commerce. Understanding these differences can help investors make more informed decisions about protecting […] Read More…
Read More →Medical expenses can be difficult to pay off, especially if you find yourself going back and forth to a hospital or clinic. Sometimes, health insurance isn’t enough either, which makes health savings accounts a great alternative. Health savings accounts (HSAs) can offer huge and life-changing benefits, especially as you get close to retirement. This article […] Read More…
Read More →Updated for the 2026 tax year Each year, the IRS reviews and adjusts retirement account contribution limits to account for inflation. Understanding these limits is critical for maximizing tax advantages while avoiding penalties or excess contributions. For the 2026 tax year, contribution limits for IRAs, SEP IRAs, and SIMPLE IRAs have increased. If you are […] Read More…
Read More →Global uncertainty, inflation concerns and market changes can move you to look for alternative assets that diversify your portfolio. Major precious metals can be a good option when investing through a self-directed individual retirement arrangement (SDIRA) due to their historical performance. For instance, the total gold demand as of the third quarter of 2025 has increased 3% year-over-year, amounting to […] Read More…
Read More →Many people safeguard their wealth by investing in gold — especially during times of economic or political uncertainty. Various price increases have resulted from the Trump administration’s global tariff announcements, highlighting gold’s stability when markets are in flux. If you’re new to gold investing, this guide covers the essentials to help you get started. You’ll […] Read More…
Read More →Individual Retirement Arrangements (IRAs) have rules stating what you can and cannot do with your retirement savings. For instance, with a traditional IRA, you’ll be charged a 10% early withdrawal penalty if you take distributions before you’re 59 ½ years old unless an exemption applies. In addition to the 59 ½ rule, Roth IRAs also have […] Read More…
Read More →As a long-term investor, you want more than steady returns — you value stability, protection and balance in your retirement planning. Precious metals strengthen your portfolio by adding assets that move independently from traditional markets. They balance risk and protect buying power when other assets struggle. Precious metals, like gold and silver, are tangible assets […] Read More…
Read More →Have you ever wondered if there is a way to gain more control over your retirement investments? A Self Directed IRA, also known as an SDIRA, may be the answer. This powerful retirement account allows you to diversify your portfolio far beyond traditional stocks and bonds. This guide explains how to maximize your wealth with […] Read More…
Read More →The next era of retirement investing Cryptocurrency is no longer just an experiment. It is becoming a normal part of retirement and wealth planning. As the world of investing changes, many savers are asking a new question: What is the future of Crypto IRAs beyond 2025? The answer is that digital asset retirement investing is […] Read More…
Read More →Staying ahead of IRS deadlines can make or break your retirement strategy. Whether you’re contributing to an IRA, running a Solo 401(k), or taking required minimum distributions (RMDs), knowing the exact cutoff dates helps you avoid penalties and maximise tax advantages. Below is a clear breakdown of every key deadline investors must mark on their calendars for […] Read More…
Read More →The cryptocurrency market is quickly gaining traction, with more assets emerging annually. Business owners and individual investors are exploring ways to use crypto and blockchain to grow their funds. With these rapid developments comes the need for strategic tools to effectively manage crypto as part of a portfolio. Doing so involves unique challenges that set […] Read More…
Read More →Cryptocurrency is a digital currency that‘s verified with blockchain technology, rather than central banks or other financial institutions. It offers many opportunities for investors to join a booming market. If you’re looking to invest in the crypto market or use your retirement account to fund your crypto investments, learn how to go about investing in […] Read More…
Read More →Real estate is a trusted path to building wealth. It gives investors tangible assets that generate income and appreciate in value over time. For retirement-focused investors, this appeal is stronger when using tax-advantaged accounts to fund property investments for long-term growth, stability and diversification. Successful investors do more than purchase properties — they use creative […] Read More…
Read More →Introduction Cryptocurrencies have moved from fringe speculation to mainstream financial planning. With the launch of spot Bitcoin and Ethereum ETFs, ongoing institutional adoption, and clearer IRS guidance, more investors are exploring how digital assets can fit into long-term retirement strategies. One powerful option is a Crypto IRA — a self-directed retirement account that allows you […] Read More…
Read More →Unlock new potential for your retirement savings by exploring cell towers and billboards. Investing in niche markets can bring steady, inflation-resistant income to your self-directed individual retirement account (SDIRA). As traditional markets fluctuate, these niche investments provide unique opportunities for diversification, stability and long-term growth. Why Consider Cell Towers and Billboards? Like most commercial real […] Read More…
Read More →If you want to prepare for retirement with a diversified real estate investment strategy allowing for tax-advantaged growth, a real estate investment fund could be your ideal vehicle. If you hold your real estate fund within a self-directed individual retirement account (SDIRA), you can enjoy even greater tax advantages and protect your growing savings for […] Read More…
Read More →Unlike a traditional individual retirement account (IRA), a self-directed IRA (SDIRA) allows you to invest in alternative assets like real estate. Investing in real estate can be a powerful move. However, it’s a less straightforward process to use an IRA to buy investment property, especially if your IRA is only funding a portion of the purchase. […] Read More…
Read More →Putting all your retirement money into one investment or closely correlated asset types is risky. You can decrease your risk by investing in multiple asset classes. Spreading your investments this way is called diversification. A mix of traditional and alternative investments can better position you to achieve your retirement planning and savings goals. If you […] Read More…
Read More →Introduction Private placements remain one of the most powerful but often misunderstood opportunities within a Self-Directed IRA (SDIRA). In 2025, private markets are bigger than ever, with startups, private equity funds, and alternative investments attracting record amounts of capital. With an SDIRA, you can unlock access to these opportunities while still enjoying the tax advantages […] Read More…
Read More →Your retirement accounts are your foundation for a secure future. However, changing jobs can raise questions about what happens to your contributions. You might also wonder what happens if you pass away before you retire. Understanding the rules helps you protect your assets and ensure the funds go where you want them to. Fortunately, unused […] Read More…
Read More →Are you curious about alternative ways to save with your individual retirement account (IRA)? A self-directed IRA (SDIRA) offers the tax advantages of an IRA plus the opportunity to invest in more than just traditional assets like stocks and bonds. SDIRAs require an administrator and custodian. If you’re interested in exploring the possibilities these accounts […] Read More…
Read More →Key Takeaways Investing in Cryptocurrency with a Self-Directed IRA Cryptocurrency is transforming the way people invest, and now it’s presenting new opportunities for retirement planning. A Self-Directed IRA (SDIRA) allows you to invest in cryptocurrencies. You can buy and hold assets like Bitcoin, Ethereum, and Solana. This investment is part of a tax-friendly retirement account. […] Read More…
Read More →In the U.S., experts expect the economic impact of regulated cannabis sales to exceed $123.6 billion in 2025, a 9% increase from the previous year. The cannabis market is booming, so why not jump in and invest? Cannabis is in a legal gray area, rendering it susceptible to certain risks, but the rapidly growing market also […] Read More…
Read More →Saving for retirement in a tax-efficient manner is an important goal, and individual retirement accounts (IRAs) are an established tool for doing so. In contrast to conventional IRAs, which you would usually open with a brokerage or bank, self-directed individual retirement accounts (SDIRAs) require a custodial company. SDIRAs are becoming increasingly popular, especially among those […] Read More…
Read More →Inheriting an individual retirement account (IRA) from a loved one or close friend can leave you with some questions. You might not be familiar with how IRAs work if you don’t have an account yourself. Working with a custodian can help you manage the inherited account. However, among all the rules involved, you mainly need […] Read More…
Read More →Are you looking for new investment strategies to diversify your retirement portfolio? While traditional investments like stocks and bonds have their place, self-directed individual retirement accounts (SDIRAs) unlock alternative assets, offering new avenues for growth. Weighing the potential benefits and understanding the key considerations of these alternative investments is essential for making informed decisions and […] Read More…
Read More →An individual retirement account (IRA) limited liability company (LLC) can be a great solution for savvy investors who want a hands-on approach to investing. It offers plenty of benefits you won’t get from a typical self-directed IRA (SDIRA), like asset protection, faster transactions and potentially lower fees. That said, an IRA LLC has prohibited transactions to […] Read More…
Read More →A self-directed 401(k) is for people who are self-employed or for small businesses that only employ the owners. It also lets account owners invest in nontraditional assets, such as: Contributing to a Self-Directed 401(k) With a self-directed 401(k), the account owner can make contributions as both an employer and an employee. As an employee, you can contribute up to […] Read More…
Read More →Investing in real estate through a self-directed IRA (SDIRA), also known as a real estate IRA, has a few differences and rules compared to investing with your pocket money. It’s a great way to build your real estate portfolio and take advantage of the profits, which are tax-deferred. Just keep the following in mind. How Does Real Estate in […] Read More…
Read More →A self-directed IRA and a 1031 exchange can both let you defer taxes when selling investment real estate. However, the differences can help you choose. There are complex rules to follow, alternative investments to consider and tax implications that can affect your bottom line. Whether you’re looking to sell a rental property or diversify your […] Read More…
Read More →If you have an existing individual retirement account (IRA) but want to be able to invest in a broader array of assets, consider rolling your funds into a self-directed IRA (SDIRA). An SDIRA allows you to access alternative assets that aren’t available with standard IRAs. You can invest in real estate, cryptocurrency and private equity. You also […] Read More…
Read More →If you have an existing tax-deferred retirement account, you need to know how to report relevant transactions on your federal tax return. Accurate reporting helps you maximize tax benefits and avoid penalties. One of the most common tax-deferred account types is an individual retirement arrangement (IRA). You can set up your IRA a few different […] Read More…
Read More →If you have an existing retirement account, you’ll likely need to take the required minimum distributions (RMDs) at some point. Here, we cover all you need to know about RMDs, from rules and calculations to reporting. We also explore common mistakes to avoid and special considerations for self-directed individual retirement accounts (SDIRAs). What Are the Rules for […] Read More…
Read More →Macroeconomic Factors 🏦 Global economic conditions are heavily influencing crypto sentiment. A hawkish stance from central banks – such as recent signals of tighter U.S. monetary policy and higher-than-expected inflation – has put investors in risk-off mode (Financial Times). Interest rates matter: past crypto bull runs coincided with ultra-loose monetary policy, while rapid rate hikes can pressure crypto prices […] Read More…
Read More →As cryptocurrency continues to grow in popularity and adoption, investors must understand key metrics to make informed decisions. Two often-cited but sometimes misunderstood metrics are cryptocurrency price and market capitalization. Each provides valuable insights but serves different purposes in evaluating an asset’s potential and its market standing. What is Cryptocurrency Price? The price of a cryptocurrency represents […] Read More…
Read More →It’s beneficial to consider the various solutions you have for maximizing your retirement savings. Of course, there are traditional options like standard IRAs and 401(k)s that solely exist to help you boost your retirement savings. However, other options exist to help you cover medical costs associated with getting older while allowing you to invest and […] Read More…
Read More →When self-directed IRA investing, it’s essential to be aware of the self-directed IRA prohibited transactions. These are transactions that could disqualify the tax status of your retirement account, so it’s crucial to avoid them. This blog post will go over popular self-directed IRA prohibited transactions and what you need to know about them. […] Read More…
Read More →You can move your retirement funds from one custodian to another for various reasons, such as wanting increased control or changing employers. Whatever your motive, it’s essential to undertake the move accurately. What Is a Transfer of Assets Form? An asset transfer form enables you to rollover funds from one retirement account type to another. Depending on […] Read More…
Read More →As a self-employed individual or small business owner, you have several retirement plan options. One example is a Simplified Employee Pension Individual Retirement Account (SEP IRA). This account has unique features that can help you maximize tax savings. You can also create a self-directed SEP IRA, which lets you invest beyond traditional assets like stocks and bonds. […] Read More…
Read More →It is essential to understand the tax implications of self-directed individual retirement accounts (SDIRAs) before you start investing. The challenge is that the rules can be complex, so we have prepared this guide. SDIRAs provide many tax advantages, including tax-deferred or tax-free growth, depending on your account type. While some accounts are taxed before contributions are made, […] Read More…
Read More →Health savings accounts (HSAs) and flexible spending accounts (FSAs) have significant advantages, but their features differ. Choosing between the two options or both requires careful consideration, which can be complex. This guide breaks down the relevant factors to help you make an informed decision. Learn the rules of using HSAs and FSAs and which option […] Read More…
Read More →A bear market and high inflation rates have many people wondering if the country is heading toward another recession. Economic activity declines for several months when a recession hits, and sales, income, employment and production tend to drop. Even if the idea of a recession has you feeling on edge, now isn’t necessarily the time to put your […] Read More…
Read More →Self-directed individual retirement account (IRA) administrators empower individuals to take control of their retirement savings. But what do they do? How are they different from other providers like custodians and facilitators? This guide answers these questions and provides tips for finding the ideal partner. What Is an IRA Administrator? An IRA administrator is a company that handles the paperwork required […] Read More…
Read More →Are you looking to advance in your career? When considering possible financial implications, remember your 401(k) to minimize tax consequences. How you cash out your 401(k) after quitting depends on your account balance, future goals and your future and former employers’ retirement plan rules. It’s important to consider the 401(k) withdrawal rules, tax implications and alternative options […] Read More…
Read More →Investors today are increasingly turning to alternative assets to diversify their portfolios and enhance returns. But what are they, and how do they work? Are there any risks? If yes, how do you navigate them? This guide defines alternative investments and addresses other key considerations. At Accuplan Benefits Services, we help people integrate alternative assets […] Read More…
Read More →If you want to diversify your retirement portfolio and invest in alternative assets, you may wonder if you can use your individual retirement account (IRA) to buy real estate. Traditional financial assets like exchange-traded funds (ETFs), stocks, mutual funds and bonds can all be great investment options. However, diversifying your portfolio can yield greater returns and provide a safety net. Unfortunately, many Americans are unaware that it’s […] Read More…
Read More →In recent years, the SECURE 2.0 Act has introduced important updates to retirement savings laws, aimed at helping Americans prepare for a financially secure retirement. With 2025 on the horizon, the latest adjustments focus on 401(k) contribution limits, new age-based provisions, and tax planning for high-income earners. These changes offer benefits to individuals of various […] Read More…
Read More →Many 20-somethings are graduating from college, entering the workforce for the first time and learning how to navigate the financial responsibilities of adult life. When it comes to building toward and meeting your financial goals, your 30s is a great time to get started. If you will soon be entering your 30s, now is the time to […] Read More…
Read More →If you want to invest in assets with your self-directed Individual Retirement Account (IRA), you may have encountered the term non-recourse loan. While beneficial, this lending arrangement confuses many people. Thus, we have prepared this blog post explaining non-recourse loans and how they differ from recourse loans. You will also learn the eligibility requirements, the process for getting a recourse loan, the […] Read More…
Read More →Nearly 6,500 U.S. corporations have an employee stock ownership plan (ESOP), making it a popular retirement option. If you’re considering implementing this structure, you must know what to expect. Knowing the pros and cons and how it compares to other options can help you decide whether it’s right for your organization and employees. Understanding ESOPs ESOPs are business […] Read More…
Read More →Are you considering adding crypto or stocks to your investment portfolio? If so, you must understand what factors influence their success. To make an informed decision, weigh the risks and rewards involved. Understanding each market, its trends and performance can help you analyze and mitigate the risks you might encounter. Once you know the pros […] Read More…
Read More →The world of real estate is vast and varied. From residential properties to commercial spaces, the options are numerous. Yet, two sectors often overlooked are industrial and agricultural real estate. These sectors offer unique opportunities for investors and industry professionals alike. In this article, we delve into the intricacies of these property types. We explore […] Read More…
Read More →If you’ve considered investing in Bitcoin through your 401(k) or individual retirement account (IRA), this step-by-step guide will help you. We answer some common questions and discuss the benefits, risks and tax implications associated with this process. Understanding Bitcoin and IRAs First, let’s look at some basic FAQs on cryptocurrency and IRAs: 1. What Is Bitcoin? […] Read More…
Read More →One of the best ways to invest in farmland is through a self-directed individual retirement account (SDIRA). This type of account gives investors more control over their retirement savings by allowing them to invest in alternative assets, such as real estate. This guide explains more about real estate and farmland investments, including tax advantages and […] Read More…
Read More →An individual retirement account (IRA) is an alternative to traditional employer retirement benefits like a 401(k) that isn’t employer-sponsored. The purpose of an IRA is to provide supplemental income to retirees. After the age of 59.5, individuals can begin withdrawing from their IRAs without penalties but may need to pay income taxes depending on the […] Read More…
Read More →Securing a new job is an exciting time. It represents an opportunity to learn new skills, advance your career and find greater job satisfaction. A new job also has significant implications for your finances — ranging from your daily earnings to your retirement savings. To make this transition as smooth as possible, you must prepare for your new role on […] Read More…
Read More →During immediate financial emergencies where other financial sources are challenging to leverage, hardship withdrawals from IRAs and 401(k)s can be a worthwhile option. Still, these have specific requirements you need to meet to leverage them without incurring a penalty or tax. This guide explores what qualifies for a hardship withdrawal, the process for approving it […] Read More…
Read More →The realm of precious metals can appear daunting to novices, particularly in relation to investing in ounce silver coins. This guide provides the basic information needed to invest in silver coins and explains how to do it through a self-directed IRA. Understanding Ounce Silver Coins Ounce silver coins are a popular investment choice due to […] Read More…
Read More →When choosing the best type of retirement account for your financial goals, you may want to minimize your tax obligations. Tax-deferred and tax-exempt accounts can help you retain more wealth over your lifetime. However, each of these retirement accounts handles taxes differently and has advantages at different times. Understanding the differences between these accounts helps you make the best decision for your retirement funds. What […] Read More…
Read More →If you’re considering investing in real estate through your IRA, you may wonder if a REIT is the right choice. This blog post will discuss the benefits and risks of investing in a REIT and help you decide if it’s the right move for your IRA. […] Read More…
Read More →Opening a self-directed IRA (SDIRA) unlocks multiple retirement investment options for you beyond the basic stocks, mutual funds and bonds. SDIRAs offer the same tax advantages as standard IRAs, with the added benefit of greater portfolio diversification. One of the ways your self-directed IRA can help you build a nest egg is through loans because you can […] Read More…
Read More →Many people cannot start their own businesses for one reason — they lack the capital needed to buy equipment, a building, products and supplies. Inadequate funds can often deter people from creating their dream company, but if you have a retirement account like an IRA or a 401(k), you can secure needed capital. You can […] Read More…
Read More →When you open an individual retirement account (IRA), you should understand the investment options available to you. Many Americans are aware that they can invest in stocks, mutual funds and bonds, but is investing in private companies possible with an IRA? If you have a retirement account, alternative assets can help diversify your retirement portfolio. Unfortunately, […] Read More…
Read More →Self-directed IRAs have been around for a long time, and their increasing popularity has grown over time, especially among those who like a lot more control of their financial future. A self-directed IRA provides diversification of assets for everyone from the average Joe to investors looking to expand beyond stocks, bonds and treasuries. Self-Directed IRA […] Read More…
Read More →An IRA annuity is an investment product that allows you to invest your IRA funds in an annuity. An annuity is a financial product that can provide you with an income stream during retirement. An IRA annuity can be a good option for those who want a guaranteed income during retirement. […] Read More…
Read More →As you approach retirement, diversifying your portfolio becomes crucial. One avenue to consider is a Real Estate IRA. A Real Estate IRA is a self-directed retirement account that allows for direct investment in property. It potentially offers higher returns than traditional IRAs. However, investing in real estate through an IRA is not without its complexities. […] Read More…
Read More →Individual retirement accounts (IRAs) offer varying investment opportunities, one of which is futures trading. Futures are financial contracts that allow investors to speculate on the future price of an asset. They are high-risk investments, meaning investors can potentially gain or lose substantial amounts of money. It’s, therefore, advisable to learn how they work and consult a professional before […] Read More…
Read More →Employer-sponsored 401(k) plans are a common benefit for employees to encourage long-term savings, but these plans have drawbacks. Chief among them are the options you have for the funds during employment and what you can do with them if status changes occur. When you don’t want the potential financial consequences of withdrawing funds from your plan, there is […] Read More…
Read More →If you are an investor looking to make a relatively safe and secure real estate investment that adds diversity to your portfolio and offers a generous return on investment (ROI), trust deed investing might be for you. We are breaking down everything you need to know about this type of investment and how you can […] Read More…
Read More →SEP IRAs and solo 401(k)s are both retirement plans for small business owners. However, there are differences in terms of their eligibility requirements, contributions and tax benefits. Before deciding which option is best suited for your business, you’ll want to consider the pros and cons of each. This guide examines the difference between solo 401(k) […] Read More…
Read More →Can self-directed IRAs invest in private equity funds? The answer is yes, but you need to know some essential things. Combining private equity investments and self-directed IRAs provides a unique investment opportunity for individuals seeking comprehensive investment options with a high degree of control. However, there are rules. In this guide, you’ll learn about private equity investment […] Read More…
Read More →Real estate is a popular investment option for investors. Some real estate includes easements that give another party the right to use a part of the property. While some property owners may see easements as a deal-breaker, they can be a great investment opportunity if you have a self-directed IRA. This article explains everything you […] Read More…
Read More →A 401(k) plan is a retirement account that employers offer employees. It allows workers to save a portion of their salary each month before IRS tax withholding. Many companies calculate contributions as a percentage of the employee’s salary and put the amount in a 401(k) account for the worker before paying them. After reaching a […] Read More…
Read More →As retirement approaches, it’s normal to ask yourself, “Am I financially ready to retire?” The answer is different for everyone. Many Americans estimate they will need $1.8 million to retire — reaching a precise number can be tricky, but ensuring financial readiness, stability and security is key. In terms of the importance of retirement planning, there are […] Read More…
Read More →The enduring popularity of the F.I.R.E. (Financial Independence, Retire Early) movement has revealed an intense interest in the idea of early retirement. There’s no doubt that the desire to retire years or even decades before passing the 60-years-old mark is alive and well in the 21st century. While retiring young is a hot topic, it does raise the question: […] Read More…
Read More →One of the biggest challenges of finding a mortgage lender and buying real estate is saving enough money for the down payment. In some cases, you might find it beneficial to use your self-directed 401(k) to complete the purchase. Like any financing option, buying a property with your 401(k) comes with various pros and cons. In this […] Read More…
Read More →Health savings accounts allow people on high-deductible health plans to easily cover out-of-pocket medical costs. An HSA is a federally insured savings account offered by institutions such as banks, credit unions and financial benefits companies. Contributions to your health savings account are tax-free, and you can also make tax-free withdrawals and payments for your eligible medical expenses. Additionally, an HSA is […] Read More…
Read More →Precious metals are just as valuable as assets today as they were in ancient civilizations, which is why they are still a wise investment choice. There are good reasons precious metals attract investors to diversify their portfolios, even when the economy goes through turbulent times. Precious metals’ value stays consistent, even against inflation and currency […] Read More…
Read More →Many investors have sought alternatives to non-traditional investments to take control of their retirement. Self-directed IRAs offer investors an alternative to traditional investments, allowing them to choose from more asset categories. There are two options for self-directed IRAs — standard self-directed IRAs and self-directed IRA LLCs with checkbook control. With both these accounts, you have […] Read More…
Read More →Most conventional IRAs consist of traditional investment options such as stocks, mutual funds and bonds. The beauty of a self-directed IRA is that you can explore lesser-known choices like mineral rights, offshore real estate and structured settlements. The range of self-directed IRA investment options allows you to diversify your portfolio in a way that matches your financial goals. You […] Read More…
Read More →An employee stock ownership plan, otherwise known as ESOP, is much like an employer-provided retirement plan to encourage employees to buy shares of corporate stock and reap the rewards of their role in the company’s success. Generally, you can only buy stocks after being with your employer for a specific period. So what happens to your […] Read More…
Read More →Airbnb property investments are popular because there are many ways to invest and make the properties unique. Whether you’re renting out your personal home or using your retirement account to invest in a new property, Airbnb rentals have the potential to generate consistent income. So, how do you invest in Airbnb property? Learn more about […] Read More…
Read More →A self-directed IRA is an alternative way to save for your retirement. With this account, you have additional investment assets to choose from, allowing you to diversify. While self-directed IRAs offer more possibilities, they also require you to take the initiative and do your due diligence. Understanding the fees for a self-directed IRA can be […] Read More…
Read More →If you are self-employed, you may be wondering how you can plan for retirement. Since you don’t have an employer’s support, you’ll want to explore alternative options that may be available to you. This article covers what makes a retirement plan good for a self-employed individual and some plans that may be ideal for you. […] Read More…
Read More →When it comes to saving for retirement, individuals have a range of options to choose from. Among the popular choices are self-directed individual retirement accounts (IRAs) and employer-sponsored 401(k) plans. Each of these retirement plans can benefit your retirement savings strategy. When you understand the differences between these plans, you can make more informed decisions […] Read More…
Read More →Gold, with its enduring beauty, rarity, and intrinsic value, has captivated humanity throughout the ages. It has served as a form of currency, symbolizing wealth and power, while also acting as a reliable store of value. Gold has always held an allure due to its stability and reputation as a safe investment, even during uncertain […] Read More…
Read More →The world of investing can be a daunting one, especially for those who are new to it. Investing can be discouraging due to its complexity, risks, and a lack of knowledge with the options. Despite the potential rewards, one may still be hesitant. When investing in a self-directed IRA, barriers, and concerns can be overwhelming. […] Read More…
Read More →Contributing to a Roth IRA is a smart move that can offer several benefits, and with Tax Day here, now is the perfect time to consider contributing. No Changes to Your Tax Return Roth IRA contributions are not tax-deductible, unlike other retirement accounts, such as a traditional IRA or a Health Savings Account (HSA). That […] Read More…
Read More →If you are saving for retirement, you may be considering opening more retirement accounts. Individual retirement accounts (IRAs) can be a great option if you want to contribute more to your retirement beyond your employer-sponsored plan or if you don’t have a retirement plan through your employer. While there is no exact number regarding how many […] Read More…
Read More →If you own a self-directed IRA or you’re looking to open one, you may come across some new phrases, such as UBIT and UDFI. At Accuplan, we want you as informed as possible so you can make wise investment decisions with your self-directed IRA, which is why we’ve covered the information you need to know about these taxes below. What Are UBIT Taxes? Unrelated […] Read More…
Read More →With a self-directed IRA, you can invest in alternative assets that you may not be able to with a conventional IRA. These alternative assets include real estate and tax liens. Tax lien investments through a self-directed IRA are tax-deferred, so you can diversify your portfolio and retain tax advantages. Tax liens typically require just a […] Read More…
Read More →If you are looking to open a retirement account, you may be considering a SIMPLE IRA. To help you determine whether a SIMPLE IRA is right for you, we cover what it is, how it works, who may want to use it, why you may want to use it and how you can open this […] Read More…
Read More →A Savings Incentive Match Plan for Employees (SIMPLE) IRA is an individual retirement account set up for employees through smaller employers. Typically, these smaller employers have a maximum of 100 employees and do not offer any other retirement plan. If you are a small business owner looking for employee retirement plan options, you may be […] Read More…
Read More →You can save for a comfortable retirement by contributing to your 401(k) or IRA throughout your working life. The goal is to keep as much of your savings as possible when you reach retirement age. However, if you don’t take your required minimum distributions (RMDs), you may lose some of that money you’ve worked to […] Read More…
Read More →With an individual retirement account (IRA), you can save for your retirement while also saving on your taxes. If you are self-employed or simply looking to open another retirement account, you may want to consider a traditional or Roth IRA. Before you can decide which one is right for you, you must first understand what […] Read More…
Read More →Setting up a self-directed IRA is a great way to take control of your retirement funds by investing in assets like real estate, gold and other options. The IRS has outlined several rules regarding investing in an IRA or 401k, including the disqualified persons rule. In short, a disqualified person is anyone in a position […] Read More…
Read More →You’ve set up an IRA account — now it’s time to begin choosing investment assets. Real estate is among the most popular investment choices, and understanding the market can help you get more value from your investments. Continue reading for more information on the difference between a buyer’s and seller’s market and what that means […] Read More…
Read More →Real estate trends tend to fluctuate, especially in recent years. Trends in 2023 suggest a transitioning period with higher borrowing costs, increased cash flow and restructured capital stacks. What does real estate investment look like now as we continue navigating the new normal? Prepare for the year ahead by reviewing these current trends and top […] Read More…
Read More →A 401(k) is an employer-sponsored retirement plan. Those who are self-employed can also open an individual or self-directed 401(k), a type of retirement account specifically designed to support businesses that employ only the owner, the owner’s spouse and business partners. If you have a 401(k), you may want to understand the relevant investment rules. 4 […] Read More…
Read More →One type of employer-sponsored retirement plan is a 401(k). Self-employed individuals can also open a self-directed 401(k) plan. If you have a 401(k) from a previous employer, you may be wondering what you can do with your account. What Can I Do With My 401(k) Plan From a Previous Employer? You have a few options […] Read More…
Read More →If you want to set up a self-directed IRA or you already have an account, you may be able to improve it for quicker investing and bill payment. You can make this happen without waiting for your custodian to direct your bills and investments with checkbook control. Checkbook control, also referred to as IRA LLC, […] Read More…
Read More →Companies looking to raise money have an attractive new option: Regulation Crowdfunding (REG CF). This type of funding allows companies to offer and sell securities through crowdfunding platforms registered with the Securities and Exchange Commission (SEC). Companies must register with FINRA before they can use REG CF. Companies can raise $5 million in a 12-month […] Read More…
Read More →If you leave your job or retire, you may be wondering what your options are for a 401(k) rollover. Determining where you want to roll over your 401(k) is a crucial decision that can result in significant savings or costs. When you roll over your 401(k) with high-fee investments to your new employer’s 401(k) plan […] Read More…
Read More →If you are new to investing, you may be unsure about the difference between an IRA transfer and a rollover. These two processes are similar, which is why they can be so easily confused. Still, they have key differences. If handled incorrectly, you may face greater costs, so it is crucial to know the difference […] Read More…
Read More →For most of recorded history, people have considered precious metals like gold and silver to be valuable. Today, savvy investors include these natural assets in their investment portfolios to diversify and protect their funds against inflation. Each type of precious metal also comes with its unique opportunities and risks. Geopolitical issues, supply and demand all […] Read More…
Read More →Precious metals have long been considered valuable investments and are often featured in investors’ portfolios. Savvy investors may invest in precious metals to diversify their portfolios, reduce portfolio volatility and protect assets against inflation. If precious metals may be in your investment strategy, there are a few things to remember. Precious metal investment carries risk […] Read More…
Read More →In your 20s, 30s and maybe even your 40s, retirement can feel like a distant reality. In your 50s, the horizon is beginning to inch closer. As such, it can be one of the most important decades for financial planning and developing a retirement savings plan. If you find you aren’t quite where you want […] Read More…
Read More →Investing your retirement funds in real estate is a great way to diversify your portfolio for retirement. Sadly, not all investors have enough funds to purchase a real estate property outright in their retirement accounts. This does not mean you still can’t buy real estate through your retirement account. What is a non-recourse loan? While it […] Read More…
Read More →Cryptocurrency is a relatively new, exciting investment opportunity. In recent years, the value of cryptocurrency has grown significantly. Cryptocurrency is a virtual or digital token that uses cryptography to control the creation of units and secure their transactions. Cryptocurrencies can be used to purchase a wide range of goods and services. Cryptocurrency is — currently […] Read More…
Read More →For many Americans, your 40s are your peak earning years. At this point, you are halfway between the point in your life when you entered the workforce and when you’ll reach the traditional retirement age. This is why this decade is an essential time to stay on track or get on track with saving for […] Read More…
Read More →Commercial real estate rates are affected by changes in demand, inflation, the state of the market and overall economic costs. In 2020, all interest rates — the U.S. Federal Reserve prediction for overnight lending rates by banks and credit unions — hit an all-time low. Rates have only recently begun to rise with the Federal […] Read More…
Read More →Interest rates measure how much a lender will receive after money is borrowed. Rates are often tied to inflation, which is when the power of every U.S. dollar lent out decreases quickly or over a period of time. Several factors can affect interest rates, such as: As interest rates rise, the price of gold is […] Read More…
Read More →Economic downturns and inflation could impact your life savings and retirement nest egg. Recessions are a regular part of economic cycles, so one will inevitably occur at some point. However, no one can accurately predict when a downturn will occur or whether it will be mild or severe. Though it’s impossible to precisely forecast recessions, […] Read More…
Read More →When it comes to saving for your health care expenses, you have several options. One plan you might consider is a health savings account (HSA), a type of savings account that allows you to save for and pay health care expenses with tax-free savings. With careful planning, an HSA can be a significant asset as […] Read More…
Read More →Individual retirement accounts are one of the best ways to grow your money for retirement. To clarify, an Individual Retirement Account is an account that allows you to set aside money for retirement and grow your savings tax-deferred. […] Read More…
Read More →When you’re self-directing your IRA, it’s up to you to do the proper due diligence and research before investing. This means learning about all of the different investment options available to you and ensuring that each one is a good fit for your portfolio. It also includes investigating potential investments thoroughly before putting your money in them. The following are a few steps to help you do proper due diligence when investing in a self-directed IRA. […] Read More…
Read More →When it comes to investing your retirement account money into real estate, there are a few rules you need to be aware of. These rules are in place to ensure that you don’t disqualify your IRA when making these investments. […] Read More…
Read More →Choosing where to focus your finances may prove difficult with all the available options. There are benefits and drawbacks to every important financial decision. You may choose to build your savings before paying off debt. You may want to eliminate your debt before saving for retirement or save enough cash to start investing. Ultimately, prioritization […] Read More…
Read More →Millennials have less of a safety net than the generations before them. In fact, retirement will be different for millennials than it is for the baby boomer generation. Student loan debts — coupled with the fact that they lived through a recession and face higher-than-average unemployment and job insecurity rates — mean that retirement is […] Read More…
Read More →Inflation is something most Americans are thinking and talking about a lot lately. Not only does inflation impact the prices of consumer goods; but the federal government also uses it as a benchmark in determining whether to increase contribution limits to qualified retirement plans or to raise monthly Social Security benefits. On an individual level, […] Read More…
Read More →There is an obvious major benefit to contributing to a 401K retirement savings plan. A 401K has a higher contribution limit than an IRA offers, and for 2022, 401K contributions are even higher. What’s Changing in 2022 Current 401K contributions for 2021 are maxed out at $19,500 for savers under the age of 50, and […] Read More…
Read More →Your financial security is our priority, and the relationship you have with ACCUPLAN is significant to us. That’s why we want to make you aware that Congressional Democrats have proposed changes to the laws governing individual retirement accounts (IRAs) as part of their $3.5 trillion reconciliation package. If enacted into law, these changes would have a direct […] Read More…
Read More →It’s not hard to understand why investors love real estate. It works to hedge against market volatility, diversify an investment portfolio, and provide a tangible asset option outside of paper assets. Real estate as an investment is a great way to generate passive income, but one hurdle for many would-be investors is the money required […] Read More…
Read More →Have you ever felt that you’re not in total control of your future wealth? As investors plan and strategize for their retirement, it’s perfectly normal to consider options beyond the typical areas. Funds locked away in stocks, bonds or mutual funds can feel intangible and disconnected from your future financial stability. You’re not alone in […] Read More…
Read More →There are many reasons why you might want some extra cash in your pocket after retirement. Maybe you want to fill extra time with an activity you enjoy, or you’re looking to pursue a new passion. Perhaps you want to continue to save for retirement while funding your child’s college tuition. No matter why you […] Read More…
Read More →Saving money isn’t easy. If you’re trying to save money for retirement — and for your child’s college tuition — at the same time, you know just how difficult it can be. Fortunately, with proper financial planning, you should be able to comfortably accomplish both goals. Funding Your Retirement If you’re like many individuals, you […] Read More…
Read More →Here are tips for minimizing taxes in retirement. The first step to minimizing your taxes in retirement is knowing what is taxable and what is not. You can then take steps to avoid or limit taxes on your investments. Here is how the IRS treats the most common sources of retirement funding. It is impossible […] Read More…
Read More →Being aware of the different types of self-employed retirement accounts that are available to you is important to get the most out of your retirement and retirement planning. The accounts that are available to most employees are your typical IRA and 401K with Roth and Traditional kickers. However, your account options are much more plentiful […] Read More…
Read More →Ultimately, what makes or breaks a decision on what type of self-directed IRA is right for you will probably come down to tax structures within the account. That means it’s crucial to understand what these benefits mean, the limitations placed on them, and what that means to you. Self-directed IRAs are powerful tools that can […] Read More…
Read More →Utilizing real estate as an investment opportunity is possible with any amount of money. It’s one of the most sustainable methods for building wealth over time. A significant number of the world’s wealthiest people have made their empires using real estate. Real estate is a relatively safe and understood vehicle that gives investors options. Here […] Read More…
Read More →Should you invest in gold? Answers to this question tend to gravitate toward one extreme or the other. Many investors on one side of this discussion believe that investing in gold is a losing proposition because it does not pay any interest and dividends and it costs money to store and protect. On the other […] Read More…
Read More →You may or may not know that REITs (real-estate investment trusts) that invest in all sorts of commercial real estate, have been a favorite of investors for years. Why are REITs a favorite? There are a few reasons why. Get used to volatility REITs can definitely play it hot and cold, and they aren’t a […] Read More…
Read More →Everyone, no matter how wealthy, has an estate — all of your personal belongings, money, and assets — that needs to be taken care of after you pass away. Similarly, everyone has a default estate plan outlined by their state government, but this plan likely doesn’t align with your wishes, benefit your assets, or result […] Read More…
Read More →Do you have an IRA or a 401K? According to the Federal Reserve’s Survey of Consumer Finances, in 2013, about 45 percent of households aged 25 to 64 had balances in retirement accounts. Do those 45 percent of Americans know what their retirement accounts are invested in? Most likely not, and that doesn’t bother most […] Read More…
Read More →A real estate investment trust is a company that owns or finances real estate. A REIT will invest in rental properties (known as equity REITs), or finance the mortgages (known as mREITs), or both. If you know how a mutual fund works, REITs operate similarly. Investors pool their money to build enough capital to fund […] Read More…
Read More →Being self-employed gives you a certain measure of freedom, but it definitely doesn’t give you an out on skipping on something as important as saving for retirement. There’s an argument that it makes putting money away that much more critical, because unlike an employee who might have access to a 401K, you’re on your own. […] Read More…
Read More →If you contribute to your 401K account, you may still contribute to a Roth IRA and/or a traditional IRA, as long as you meet the IRA’s eligibility requirements. However, if you wish to contribute to a traditional IRA and take a tax deduction for that contribution, depending on your income, your contribution to your employer’s […] Read More…
Read More →Lending options have been limited since 2008, when the credit market seized up, but that’s all changing now. As the housing market strengthens, more and more lenders are emerging with new, creative programs. This is excellent news for real estate investors who want to take advantage of today’s incredible deals. So what are your lending […] Read More…
Read More →When it comes to a 401K, you can take it with you from job to job, and in fact, you should, and it should be in the form of a 401K rollover. But making the most of the money you’ve built up means performing the rollover correctly. Here’s the four-step process for how to rollover […] Read More…
Read More →Are you one of the millions of workers without a retirement plan at work? Or perhaps you’re self-employed and don’t have an employer at all? In either case, it’s imperative that you take your retirement savings and investments into your own hands. Employer retirement accounts are great, but many businesses don’t take on the added […] Read More…
Read More →If you saved well for your senior years by consistently funding an IRA or 401K, you’re probably quite appreciative of that money now that you’re actually retired and using it. But the last thing you want to do is give up a huge chunk of your savings for no good reason. And if you neglect […] Read More…
Read More →Each year, the IRS announces IRA contributions and their limits, Traditional IRA deduction income limits, and Roth IRA contribution income limits. Not only is there a maximum amount that Americans can contribute to their IRAs each year, but not everyone is eligible for both types of IRAs. Click here for the self-directed IRA contribution limits […] Read More…
Read More →We hope that you have been enjoying yourself the past few weeks and that your New Year’s Eve celebrations were smashing. Here’s to a great 2015 full of prosperity! For those of you who are looking to have a great year investing in 2015 with your self-directed IRA or self-directed 401k hopefully we at Accuplan […] Read More…
Read More →When I go to the supermarket I buy many of the same items. I find myself sticking to the same types of foods and products. One thing I love that I find myself buying over and over again is fruits and veggies. I also find myself eating the same ones over and over again but […] Read More…
Read More →You have heard it time and time again and today will be no different. We wanted this to be a bit more targeted to those in their 20’s and 30’s but it can apply to anyone regardless of your age. Start saving for retirement now!!! The fact is that most 20 or 30 year old’s […] Read More…
Read More →There are so many things you can invest in with a self-directed IRA. One popular investment inside of a self-directed IRA is to invest in a company with your self-directed IRA. We want to make sure you make the right choices when investing with your self-directed IRA. The following are some of the self-directed IRA […] Read More…
Read More →PROPERTY MANAGEMENT AGREEMENT GUIDELINES FOR A SELF-DIRECTED IRA ACCOUNT This document provides guidance on how to set up property management agreements for a property owned by a self-directed IRA account. 1. Document Titling – The agreement should be between the property management company (“The Company”), and American Estate & Trust FBO . Please note that […] Read More…
Read More →Thinking about your retirement can be very overwhelming. In fact, it can be so overwhelming to you that you can’t imagine figuring it out by yourself. There are many reasons planning for retirement is so stressful. It can be because of your current situation, the fact that you don’t know where to start or even […] Read More…
Read More →Investing in gold and silver inside your IRA is a great alternative to investing in traditional investments such as stock and bonds. By investing in gold and silver in your IRA you are buying a physical asset that has real value to it rather than a paper asset. Many of the clients that I buy […] Read More…
Read More →Retirement can be a scary word, idea and stage of life. Part of the reason that is can be so intimidating is that there are so many different types of retirement accounts, companies and things to be aware of. While this can very much be the case for you and your retirement you do not […] Read More…
Read More →Today there are so many different self directed IRA and 401k companies out there that it can be very hard to decide which company to set up your self directed account with. We strive to make the decision easier each day. Part of how we strive to stand out is through great customer service and […] Read More…
Read More →We routinely get asked about storing metals for your IRA offshore. Our position is no, we store them here in the U.S. under our direct control. We have a number of clients that report that other IRA administrators and metals vendors peddle a service whereby you can store your metals in Canada or Switzerland. This […] Read More…
Read More →There are many benefits that come with self-directed IRA accounts. Namely tax advantages and the ability to invest in non-traditional investments with your retirement accounts. In order to fully maximize the benefits that come from self-directed retirement accounts, you must follow the self-directed IRA rules and 401k rules. One rule to remember that can be […] Read More…
Read More →Investing in a Self-Directed IRA is a great alternative to investing in traditional investments such as stocks, bonds, and mutual funds. Through a Self-Directed IRA, you can invest in more non-traditional investments such as real estate, private placements, gold and silver, loans, and other hard assets. Many individuals shy away from investing in Self-Directed IRAs […] Read More…
Read More →Have you ever wanted to start your own business but don’t have the funds available to start the business? Maybe you have been laid off and have funds sitting around in your 401k. Now could be the perfect time to start that business you always wanted to start. Why not use the funds in your […] Read More…
Read More →A Self Directed IRA, like other traditional IRAs, follows the same tax laws and rules but it allows you to invest in non-traditional investements that are typically not available through your investment advisor or broker. These investment choices can be private LLCs, or corporations, private lending, real estate, precious metal and much more. The options […] Read More…
Read More →It may seem daunting and too difficult to understand and maintain a Self Directed IRA. You probably think that there are too many rules and issues that you don’t know that will get you in trouble or you think it is a better option to stay with a regular IRA at a brokerage company because […] Read More…
Read More →I commonly get asked about who is Accuplan Benefits Services and American Estate & Trust, LC. I thought it would be good to briefly explain who we are and what relationship between the two companies. Accuplan Benefits Services is not an IRA custodian. They are a facilitator (administrator) of IRA accounts. Accuplan Benefits Services answers […] Read More…
Read More →We are getting closer and closer to the start of another year. Which is a reminder for all to get your retirement accounts in order Have you maximized your contributions? Have you taken your required distributions? For more help making sure your retirement accounts are in order check out THE END IS COMING – Preparing […] Read More…
Read More →Have you ever wanted to start your own business using your existing retirement funds without paying taxes on those funds? This is all possible through a self-directed 401k that we refer to as a mySOP. What is a mySOP (self-directed 401k)? An Employee Stock Ownership Plan referred to after this as a “mySOP”, is a […] Read More…
Read More →THE END IS COMING! Our 2013 year is about to come to a close. Here are some year-end reminders for you. These rules apply to you if self-directed IRA is a Traditional (pre-tax) or Roth (after-tax). MAX IT OUT! Hitting the max out limit on your credit card, BOOOOOO! Hitting the max out limit in […] Read More…
Read More →Self Directed IRAs give the ability to invest in alternative investments. One of the most popular investments into a self directed IRA is real estate. If you happen to be interested in moving your IRA into a self directed IRA to purchase real estate we are here to help. If you currently have a self […] Read More…
Read More →What makes a self directed IRA so attractive compared to regular IRAs? Options! There are many different investment options with a self directed IRA that are not available through regular IRAs. One option available through a self directed IRA is leveraging the IRA. This is a great option but you need to be careful that […] Read More…
Read More →CLICK HERE – Full PDF Version By now, you have seen cell towers high in the sky, attached to buildings, camouflaged like trees, but did you know your Self-Directed IRA can invest in them to help build your retirement account? It does not require an advanced investor to handle a cell tower investment and we […] Read More…
Read More →It can be hard sometimes to make sure your doing everything correctly with your self directed IRA. We want to help make sure you do not make the mistakes that are most common. If you have any questions about the following information feel free to contact us. Making a personal guaranteeThe IRA account owner is […] Read More…
Read More →I am a numbers man. I love looking at numbers and analyzing them to see what they mean. One thing is for certain about numbers, it can be fairly easy to spin the numbers in just about any way to prove a point you are trying to prove. Regardless, numbers are numbers and they do […] Read More…
Read More →Nearly every day someone asks us when is the right age and time to begin saving for retirement, and we always answer that only you can determine when the right age and time is to begin saving for your retirement. However, we’d still like to offer a little food for thought as you thinking about […] Read More…
Read More →Suddenly, we’ve seen a spate of articles from major media sources talking about self directed IRA and the potential for fraud. First of all let us start off by saying that self directed IRA investing is not for everyone. We get that and acknowledge it. However, not one single article published cites one single statistic […] Read More…
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