Real Estate Investor's Comparison of IRA, ROTH IRA, and 401(k)

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If you aren't exactly sure what the difference between IRA, ROTH IRA, and 401(k) this video is for you. Find more investor training videos at www.HasslefreeCashflowInvesting.com

Professional investor David Campbell, uDirect IRA president Kaaren Hall, and CPA Amanda Han present an easy to understand comparison of the features and benefits of investing through an IRA, ROTH IRA, or 401(k) with an emphasis on using these qualified plans in a self-directed account.

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Real Estate Investor's Comparison of IRA, ROTH IRA, and 401(k)

  1. 1. 1 Solo(k) versus Self-Directed IRA The Ultimate Tax Smackdown REMATCH
  2. 2. 2 • RELATIONSHIPS • IDEAS • OPPORTUNITIES • NOT a sales pitch • NOT investment, legal, or tax advice Begin with end in mind
  3. 3. 3 Today’s agenda • IRA investing • BASIC self-directed IRA investing (SDIRA) • SUPER-SIZED SDIRA = Solo(k)
  4. 4. 4 Generalist vs Specialist Tax Legal Financing Brokerage Property Management Accounting Due Diligence IRA
  5. 5. 5 $ 29,959.92$ 11,242.9030 $ 19,040.07$ 8,142.5725 $ 10,803.85$ 5,440.2020 $ 6,130.39$ 3,634.7015 $ 3,478.55$ 2,428.4110 $ 1,973.82$ 1,622.475 $ 1,000.00$ 1,000.000 12% but tax deferred inside IRA 12% with tax outside iRA Year Why tax deferral is so important
  6. 6. 6 WhatWhat’’s the Difference?s the Difference? Typical IRATypical IRA •• StocksStocks •• BondsBonds •• Mutual FundsMutual Funds •• CDCD’’ss SelfSelf--Directed IRADirected IRA •• Rental PropertyRental Property •• NotesNotes •• Private StockPrivate Stock •• LLCLLC’’ss •• Tax LiensTax Liens •• Foreign PropertyForeign Property •• Raw LandRaw Land •• Etc.Etc.
  7. 7. 7 What Are The Limits?What Are The Limits? A SelfA Self--Directed IRA can invest in anythingDirected IRA can invest in anything EXCEPTEXCEPT 1.1. Life Insurance PoliciesLife Insurance Policies 2.2. CollectiblesCollectibles 1.1. ArtworksArtworks 2.2. CoinsCoins 3.3. Collectible CarsCollectible Cars 4.4. AntiquesAntiques 5.5. GemsGems 6.6. StampsStamps 7.7. RugsRugs
  8. 8. 8 What if your funds are with yourWhat if your funds are with your current employer?current employer? Your plan will probably NOT allow you to self- direct Must wait until you leave the company To rollover retirement plan You can request an “in-service” transfer from your current plan administrator.
  9. 9. 9 EveryoneCertain Business Owners* EveryoneEveryoneEligibility? N/A5559.559.5Retirement Age? NONOYESYESUDFI? NOYESYESYESUBIT? N/AYESNONOPlan Loan? N/A$17,000$5/6000NOTax-Free For Life Contributions? N/A$50,000/25%$5/6000$5/6,000Contribution Limit? Shelters passive income and maybe active Lowers UBIT No excess Offset UDFI / UBIT No excess Offset UDFI / UBIT No excess How is depreciation used? NO NO NO Maybe* Cash YES *limits NOYES *limits Deduction in current year? MAYBENONOCreditor exempt? MAYBENOYESTax On withdrawals? YESYESYESTax deferred growth? 401(k)ROTHIRA
  10. 10. 10 www.HasslefreeCashflowInvesting.com David@HassleFreeCashflowInvesting.com Former high school band director Self-made multi-millionaire Real estate investor / developer / broker / manager Financial educator / author / speaker Faculty Member: Investor Summit at Sea with Robert and Kim Kiyosaki David Campbell - Founder Hassle-Free Cashflow Investing
  11. 11. 11 KaarenKaaren Hall, PresidentHall, President uDirectuDirect IRA Services, LLCIRA Services, LLC (866) 538(866) 538--35393539 KHall@uDirectIRA.comKHall@uDirectIRA.com uDirect IRA Services, LLC 2522 Chambers Road, Ste 100 Tustin, CA 92780
  12. 12. 12 Contact Us Company Logo(877) 975-0975 KEYSTONE CPA, INC. Maximizing Profits & Increasing Wealth www.KeystoneCPA.com AS SEEN ON: (877) 975-0975 www.KeystoneCPA.com
  13. 13. 13 DAVID CAMPBELL – professional investor / developer www.HasslefreeCashflowInvesting.com KAAREN HALL – president of uDirect IRA Services www.uDirectIRA.com AMANDA HAN, CPA – tax strategist www.KeystoneCPA.com

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