Hey Guys!

Today, I want to talk to you about a concept called “partnering.”

And no, we are not talking about relationships.
We are talking about taking different types of self-directed retirement plans – and non-retirement plans – to maximize your buying power and your tax savings.

An Example of Partnering Self-Directed Retirement Plans
If you didn’t already know, Nuview Trust Company is a self-directed IRA provider.
We allow people to take their retirement accounts (their IRAs, their traditionals, their Roths, their SEPs, their SIMPLEs, their 401ks, etc.) and invest in things like real estate, promissory notes, private placements, and cryptocurrency… instead of investing only in stocks, bonds, and mutual funds.

If you are looking to buy real estate, or even notes secured by real estate, you might need a little bit more buying power than what you have in your traditional or even your Roth IRA. In this case, partnering could be a solution for you.

Here’s an example scenario:
• You have traditional and Roth IRAs.
• Your spouse has traditional and Roth IRAs.
• You’ve got 3 kids under the age of 18, each with a Coverdell Education Savings Account (which work like IRAs, but the distributions are to pay education expenses tax-free)
• You have an HSA or health savings account (which allows you to pay for qualified health expenses tax-free).

Together, that’s seven different tax advantaged plans you can work with.

Now the concept of partnering is where you take your IRA (your traditional and Roth) your spouses’ IRA, (traditional and Roth), your kids’ education savings accounts (ESAs) and your health savings account (HSA) and combine that capital through partnership to buy real estate.
Now, when I say partnership, you don’t need to have any fancy structure. You don’t need a joint venture set up. You just need specific ownership percentages based on how much each account put into the deal.
So, for example, if you’re going to buy a piece of real estate, all seven of those retirement plans can participate as buyers.
They own the property jointly based on the amount each account puts in. That’s the percentage ownership that those accounts have.

Learn more about partnering on our blog.

NuView Trust
NuView IRA Processing Office, 280 S Ronald Reagan Blvd STE 200, Longwood, FL 32750

Lat: 28.695340
Long: -81.346741

00:00 – Intro
00:27 – Overview
01:01 – How to Partner
02:05 – Pro Rata Explained
02:59 – Recap…(read more)

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Partnering Self-Directed Retirement Plans (& Non-Retirement Plans) For Buying Power & Tax Savings

As individuals look forward to the golden years of their life, one of the most pressing concerns is having sufficient funds to support their retirement needs. A self-directed retirement plan is a powerful tool that allows for investing in assets beyond traditional stocks and bonds. Besides, it provides an opportunity for real estate investing, private equity funds, and other alternative assets.

Partnering a self-directed retirement plan with non-retirement plans can provide a boost to buying power and tax savings. In this article, we delve into the benefits of partnering self-directed retirement plans with non-retirement plans to increase buying power and reduce tax liabilities.

1. Increased Buying Power

Partnering different investment accounts can amplify buying power and provide a greater degree of diversity. For example, a self-directed IRA can be partnered with a cash purchase or other non-retirement accounts to increase the buying power. Such a partnership can also be expanded to include non-recourse loans or other financing instruments to gain more leverage.

2. Investing in Real Estate

Self-directed retirement plans are ideal for investing in real estate beyond traditional residential assets. Retirement accounts can be used to purchase a rental property, land, commercial real estate, or even syndicated investments in larger properties. Partnering self-directed retirement plans with non-retirement accounts that offer more liquidity or leverage can provide the necessary funds to purchase and maintain the property.

3. Minimizing Tax Liabilities

Partnering a self-directed retirement plan with a non-retirement account can provide opportunities to minimize taxes. For instance, investing in real estate through the self-directed plan, while paying the taxes due on income generated, allows for tax-free profits through the non-retirement account. Additionally, non-retirement accounts can provide tax benefits such as paying capital gains tax rates instead of ordinary income tax rates.

4. Increasing ROI

Partnering self-directed retirement plans with non-retirement accounts provides a potential for enhanced returns on investment. For example, private equity funds or other alternative assets with high returns can be added to the investment portfolio, making use of the extra buying power gained through the partnership. It provides investors with the opportunity to benefit from both long-term growth and short-term returns on investment.

Conclusion

Partnering self-directed retirement plans with non-retirement accounts offers investors a chance to increase buying power, diversify portfolios, minimize tax liabilities, and increase return on investment. It provides flexibility and control over investment decisions, allowing investors to take advantage of alternative assets beyond the traditional stocks, bonds, and mutual funds.

However, investors should seek professional guidance before investing, as investing in non-traditional assets such as real estate, private equity funds, and others can carry a higher degree of risk. With proper strategizing and diversification, investors can benefit from partnering self-directed retirement plans with non-retirement accounts to optimize their retirement savings.