Self-Directed IRA (SDIRA) Services

We have a flat, non-percentage-based fee structure, so no matter how much your account grows, an annual fee will remain a flat $349.95.

The contribution limits for a self-directed IRA are the same as traditional and Roth IRAs. Currently, the maximum contribution limit is $7,500, with an additional catch-up contribution of $1,100 for individuals who are 50 years old or older.

Contribution limits may be subject to income limitations and eligibility requirements. For example, if you have a traditional IRA and participate in a workplace retirement plan, such as a 401(k), your ability to deduct contributions to your traditional IRA may be reduced or eliminated depending on your income level.

It’s always a good idea to consult with a financial advisor to ensure that you are following the contribution limits and guidelines for your specific situation.

An IRA custodian is required to file Form 5498 both to the client and to the IRS. Distributions made throughout the year would require the custodian to report Form 1099 to the client and the IRS.

Typically no reporting is needed from the client as long as no distributions have been made and the client is not required to take distributions due to age. If the client has distribution requirements, has an IRA LLC, or has received debt financing inside the IRA, they may be required to report filings to the IRS.

We recommend that all investors consult with a CPA or accountant for all filing requirements to ensure they comply. Accuplan does not provide any tax or legal advice, and we do not file anything to the IRS except the 5498 and 1099.

We simplified our application process for self-directed IRA setup, so it only takes you minutes to get started. Follow these three easy steps to open a self-directed IRA account:

1. Fill out the application.
2. Fund your account.
3. Direct your funds.

Unrelated Business Income Tax (UBIT) refers to the taxes that the IRS can charge based on a tax-exempt asset. Unrelated Business Taxable Income (UBTI) is the type of income that is taxable. And Unrelated Debt-Financed Income (UDFI) is used on assets that generate income that’s debt-financed like real estate.

Look for an account custodian that is reliable, affordable and experienced in the industry. Accuplan Benefits Services has been an industry leader for decades. Invaluable experience and expertise come standard. Our fees are among the lowest around. We offer a flat, non-percentage-based fee schedule, so your fees never grow, but your IRA funds will.

Being able to rely on Accuplan as your administrator is imperative to your success. Our team is dedicated to serving you, answering questions, keeping your account IRS-compliant and assisting in any way that we can.

Some key self-directed IRA benefits include tax-deferred or tax-free profits, investment diversity allowing for a range of asset investments, and the potential to build wealth for future beneficiaries.

Yes. Accuplan’s clients have complete access to invest in all types of real estate, like rental homes, commercial real estate and raw land. The investment options are limitless so long as you are following the IRS guidelines.

Your IRA cannot invest in your own business or a related party’s business because of the disqualified persons rule. We do, however, offer the My Employee Stock Ownership Plan (MYSOP) that would allow this as long as specific guidelines are met through setting up a C Corp and a 401(k).

Yes, you can move your 401(k) into a self-directed IRA, and our rollover process is easy.