IRA Financial’s Adam Bergman Esq. discusses the best way to borrow money if you need extra funds for a Self-Directed IRA investment.
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IRA Financial was founded by Adam Bergman, a former tax and ERISA attorney who worked at some of the largest law firms. During his years of practice, he noticed that many of his clients were not even aware that they can use an IRA or 401(k) plan to make alternative asset investments, such as real estate. He created IRA Financial to help educate retirement account holders about the benefits of self-directed retirement plan solutions.

IRA Financial Group is a retirement account facilitator, document filing, and do-it yourself document service, not a law firm. IRA Financial Group does not provide legal services. No attorney-client relationship exists between Client and IRA Financial Group, its management, salespersons or IRA Financial’s in-house legal counsel. IRA Financial Group provides IRA retirement facilitation service and CANNOT provide Client with legal, investment, or financial advice. Prior to making any investment decisions, please consult with the appropriate legal, tax, and investment professionals for advice.

IRA Financial is not engaged in rendering legal, accounting or other professional services. If legal advice or other professional assistance is required, the services of a competent professional person should be sought. (From a Declaration of Principles jointly adopted by a Committee of the American Bar Association & a Committee of Publishers and Associations.). The scope of Professional Services does not include the costs of any custodian related services.

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Using a loan with a self-directed IRA can be a powerful wealth-building tool for savvy investors looking to grow their retirement funds. While traditional IRAs often limit investment options to stocks, bonds, and mutual funds, a self-directed IRA allows account holders to invest in a wider range of assets, including real estate, private equity, and even businesses. By leveraging a loan within a self-directed IRA, investors can potentially accelerate the growth of their retirement funds and diversify their investment portfolio.

One of the key benefits of using a loan with a self-directed IRA is the ability to increase buying power without having to liquidate other assets within the account. This can be particularly advantageous when investing in real estate, where property prices may exceed the available cash in the IRA. By securing a non-recourse loan, investors can purchase a property with a combination of their IRA funds and borrowed money, potentially increasing the return on investment.

Another advantage of using a loan with a self-directed IRA is the potential for leveraging the tax-advantaged status of the account. While the IRS prohibits using a traditional IRA as collateral for a loan, a self-directed IRA can take out a non-recourse loan without triggering any penalties or taxes, as long as certain guidelines are followed. This can provide investors with the flexibility to take advantage of investment opportunities that may require additional financing.

However, it is important to note that using a loan with a self-directed IRA comes with some risks and complexities that investors should be aware of. Non-recourse loans typically require a higher down payment and may have stricter terms than traditional loans. Additionally, any income or gains generated from the leveraged investment may be subject to unrelated business income tax (UBIT) within the IRA. It is crucial for investors to carefully evaluate the potential risks and consult with a financial advisor or tax professional before using a loan with their self-directed IRA.

Overall, using a loan with a self-directed IRA can be a valuable strategy for investors looking to diversify their retirement portfolio and potentially increase their returns. By leveraging borrowed funds within the tax-advantaged structure of a self-directed IRA, investors can access additional capital to pursue investment opportunities that may not be possible with cash alone. With careful planning and due diligence, leveraging a loan within a self-directed IRA can be a powerful tool for growing wealth and securing a comfortable retirement.