This is an introduction to self-directed IRAs and how they can be used to invest in alternative assets like Real Estate, Notes, Precious Metals, Oil & Gas, Entities, and a whole lot more.
Opportunities & Pitfallsfor InheritingIRA, 401k & Roth-IRA:Sonoma County B...Harry Rubins
Harry Rubins, Financial Consultant with Foothill
Securities and Rubins Financial Strategies spoke to Sonoma County Bar Association, Trusts and Estates Section 1/11/12. "Opportunities and Pitfalls:IRA, 401k, Roth IRA" for participants and beneficiaries. Please visit http://rubins401k.co25
Opportunities and Pitfalls:IRA, 401k, Roth IRA: Society of California Account...Harry Rubins
Harry Rubins, Financial Consultant with Foothill
Securities and Rubins Financial Strategies spoke to the Society of California Accountants North Bay Chapter 1/11/12. "Opportunities and Pitfalls:IRA, 401k, Roth IRA" for participants and beneficiaries. Please visit http://rubins401k.com/
This is a presentation I gave to my writing for the organization class. We were assigned to give an informative speech. I chose retirement because too many times its overly complicated and many young people cannot understand it.
Self-Employed? You Could Be Saving Thousands on Your TaxesPeter Thoms, CFA
Self-employed professionals have a high-impact retirement tool, called a defined benefit plan, that could allow them to save thousands on taxes every year and boost their retirement savings.
Who gets your percentage of the business when you retire, die or sell it? Your partner, a spouse, or your children? Are you doing the best to maximize tax advantages? What are you doing to protect your interest and assets? How are you positioning employee retention and loyalty?
Opportunities & Pitfallsfor InheritingIRA, 401k & Roth-IRA:Sonoma County B...Harry Rubins
Harry Rubins, Financial Consultant with Foothill
Securities and Rubins Financial Strategies spoke to Sonoma County Bar Association, Trusts and Estates Section 1/11/12. "Opportunities and Pitfalls:IRA, 401k, Roth IRA" for participants and beneficiaries. Please visit http://rubins401k.co25
Opportunities and Pitfalls:IRA, 401k, Roth IRA: Society of California Account...Harry Rubins
Harry Rubins, Financial Consultant with Foothill
Securities and Rubins Financial Strategies spoke to the Society of California Accountants North Bay Chapter 1/11/12. "Opportunities and Pitfalls:IRA, 401k, Roth IRA" for participants and beneficiaries. Please visit http://rubins401k.com/
This is a presentation I gave to my writing for the organization class. We were assigned to give an informative speech. I chose retirement because too many times its overly complicated and many young people cannot understand it.
Self-Employed? You Could Be Saving Thousands on Your TaxesPeter Thoms, CFA
Self-employed professionals have a high-impact retirement tool, called a defined benefit plan, that could allow them to save thousands on taxes every year and boost their retirement savings.
Who gets your percentage of the business when you retire, die or sell it? Your partner, a spouse, or your children? Are you doing the best to maximize tax advantages? What are you doing to protect your interest and assets? How are you positioning employee retention and loyalty?
Information from a financial perspective for those who are being made or have already been made redundant. Actions they can take and the Options they have
This powerpoint training is the slides from the webinar I did on the taxing of social security and is placed on our training site.
If you want more training on annuities, selling or building your book of business visit us at www.7figuresalestools.com
Albion Financial Group Senior Wealth Advisors Sarah Bird, CFP and Liz Bernhard, CFP, MBA work with clients to ensure their financial concerns are addressed in an integrated fashion, that pieces of their overall plan are working in concert, and that tactical changes to investment portfolios are made to stay on track toward each client’s goals.
Smart money september october_2103_issue_singles_perOliver Taylor
Financial adviser client newsletters
Client-facing personalised newsletters are an exceptional and proven vehicle for strengthening relationships with clients. There has never been a more important time, especially during this current economic climate, for professional financial advisers to consider the benefits of using a newsletter to communicate with their clients or professional connections.
Client retention and the loss of hard-earned clients
In these post-RDR times, one of the biggest concerns facing many professional financial advisers is client retention and the loss of hard-earned clients to another competitor. To ensure that this doesn't happen to your business, our advice is that you need to do everything possible to stay engaged with your clients and keep reminding them about why they chose you in the first place.
You don't have to waste your valuable time
Goldmine Media do everything for you, so you don't have to waste your valuable time and effort putting your own newsletter together. We take care of the editorial and imagery selection, right through to the print and delivery to you, and can even post each copy directly to your clients with a covering marketing letter in a high-grade polywrap.
Personal finance subjects presented in a clear and engaging way
Our carefully designed newsletters feature your business name, logo (photograph if required), contact details and regulatory statement, and we present even the most complex of personal finance subjects to your clients in a clear and engaging way.
Newsletters are printed on superior-quality paper and are a perfect time-saving marketing channel that will enable professional financial advisers to deliver increased revenues for their business.
IT’S IRA SEASON – SAVE FOR RETIREMENT WHILE ENJOYING TAX BENEFITSSpencer Savings Bank
As a group, Americans are not doing well in preparing for retirement. Research shows that most Americans do not have enough money saved for retirement and many are very concerned. One of the main reasons for lack of saving are incomes that have not changed (or decreased) over the years, while cost of living continues to rise and salaries are not going as far as they once did to cover all the necessities.
Social Security Savvy: How to Help Clients Maximize Retirement IncomeJulie Cheney Stewart
Deciding when and how to take Social Security is a critical aspect of any retirement plan and may be different for each client. Learn how to become Social Security savvy. Also, learn how:
-Determine your clients' full retirement age
-Estimate their SS income
-Weigh the trade-offs between early income & delayed higher income
-How to supplement SS benefits
-Understand new SS changes for 2016
Information from a financial perspective for those who are being made or have already been made redundant. Actions they can take and the Options they have
This powerpoint training is the slides from the webinar I did on the taxing of social security and is placed on our training site.
If you want more training on annuities, selling or building your book of business visit us at www.7figuresalestools.com
Albion Financial Group Senior Wealth Advisors Sarah Bird, CFP and Liz Bernhard, CFP, MBA work with clients to ensure their financial concerns are addressed in an integrated fashion, that pieces of their overall plan are working in concert, and that tactical changes to investment portfolios are made to stay on track toward each client’s goals.
Smart money september october_2103_issue_singles_perOliver Taylor
Financial adviser client newsletters
Client-facing personalised newsletters are an exceptional and proven vehicle for strengthening relationships with clients. There has never been a more important time, especially during this current economic climate, for professional financial advisers to consider the benefits of using a newsletter to communicate with their clients or professional connections.
Client retention and the loss of hard-earned clients
In these post-RDR times, one of the biggest concerns facing many professional financial advisers is client retention and the loss of hard-earned clients to another competitor. To ensure that this doesn't happen to your business, our advice is that you need to do everything possible to stay engaged with your clients and keep reminding them about why they chose you in the first place.
You don't have to waste your valuable time
Goldmine Media do everything for you, so you don't have to waste your valuable time and effort putting your own newsletter together. We take care of the editorial and imagery selection, right through to the print and delivery to you, and can even post each copy directly to your clients with a covering marketing letter in a high-grade polywrap.
Personal finance subjects presented in a clear and engaging way
Our carefully designed newsletters feature your business name, logo (photograph if required), contact details and regulatory statement, and we present even the most complex of personal finance subjects to your clients in a clear and engaging way.
Newsletters are printed on superior-quality paper and are a perfect time-saving marketing channel that will enable professional financial advisers to deliver increased revenues for their business.
IT’S IRA SEASON – SAVE FOR RETIREMENT WHILE ENJOYING TAX BENEFITSSpencer Savings Bank
As a group, Americans are not doing well in preparing for retirement. Research shows that most Americans do not have enough money saved for retirement and many are very concerned. One of the main reasons for lack of saving are incomes that have not changed (or decreased) over the years, while cost of living continues to rise and salaries are not going as far as they once did to cover all the necessities.
Social Security Savvy: How to Help Clients Maximize Retirement IncomeJulie Cheney Stewart
Deciding when and how to take Social Security is a critical aspect of any retirement plan and may be different for each client. Learn how to become Social Security savvy. Also, learn how:
-Determine your clients' full retirement age
-Estimate their SS income
-Weigh the trade-offs between early income & delayed higher income
-How to supplement SS benefits
-Understand new SS changes for 2016
How the Real Estate Sector Can Contribute to Meet the COP21 Targets - EPRA - ...GRESB
One-third of global greenhouse gas emissions are a result of energy use in the built environment. The signing of the 2015 Paris Agreement (COP21) by over 200 nations signifies that the international community has come to recognize the important role buildings and cities must have in achieving global objectives related to sustainability and energy efficiency.
To meet this challenge, the leading European real estate associations, EPRA and INREV, the global standard for assessing and benchmarking real estate portfolios, GRESB, the European Commission’s DG Energy and the United Nations Environment Programme have come together to present an actionable agenda following the Paris Agreement.
2016 Real Estate Sales Mastery Event - 26th MayCraig Sewing
San Diego Media icon Craig Sewing presented the 2016 Real Estate Sales Mastery Event featuring Tom Ferry and an elite team of industry thought leaders at the San Diego Convention Centre on 26th May 2016.
Here's a great customer journey map template to help customer success folks document, visualize and evaluate how they interact with customers. Here is a link to the supporting blog post that details how to use the template and explains some of the assumptions we made in creating the lifecycle stages, and categories = http://www.preact.com/blog/customer-journey-map-template
Why is real estate is the most popular investment in a self-directed IRA? The simple answer ... the endless options and a never-ending supply of assets.
Free ebook for you –– Real Estate IRAs Made Easy ––http://info.advantaira.com/real-estate-iras-made-easy
In this presentation, you will learn about self-directed real estate IRAs, the many types of property investment assets, how to buy real estate with your IRA using a self-directed plan, prohibited transactions to avoid, and much more great guidance. Advanta's goal is to educate and empower you to invest in what you know best.
Lending & Borrowering Out of Your IRAryankimura
This presentation talks about creating notes with your IRA. It shows you how a century old investment strategy can get you double digits returns with the safety and security of a tangible asset to collateralize the note. This is how Banks make money and you can too with your IRA.
A presentation on Stretch IRAs and Stretch IRA Trusts to assist advisors with helping the client with IRAs and 401k. Go to www.wilseylaw.com for more information
The Source Method™ is founded on the principles of innovation and diversification. One of these innovations is the proven process of self-directing. Regardless of the resources you have used in the past, you can initiate this process now and seize control of your ailing retirement portfolio.
The Source Method™
“A private solution to a public sector problem”
The wealthiest segment of America has learned an important secret—wealth is not created by mutual funds, but rather by people. That’s right, financial success is built on powerful business and personal relationships. This is where The Source Method™ can help you achieve dreams, to which you never thought you had access.
Helping You Avoid IRA Distribution Mistakesfreddysaamy
http://ekinsurance.com/financial/what-are-ira-distributions/
You own two pots of money: The money that has already been taxed (let's call it "regular money") and the money that has not been taxed (let's call this "retirement money" such as IRA, 401k, 403b, etc.).
Roth IRA is an tax-advantaged scheme which is basically followed in United States and in India PPF and EPF policy is followed instead of IRA but i think knowledge should not be limited to a particular field or a country.
Similar to Investing In Real Estate And Other Alternative To Grow Your Retirement (20)
7. What is a “Self-Directed” IRA? An IRA in which the IRA owner directs all investments in the account. There is no legal distinction between a “self-directed IRA” and any other IRA except with a truly self-directed IRA the account agreement allows the broadest possible spectrum of investments.
8. Take control of your retirement! What are the benefits of self-direction?
37. Fiduciary “F” (includes IRA Owner) Member of F’s Family Corporation “C” if F owns (directly or indirectly) 50% or more of vote or value of stock Partnership “P” if F owns (directly or indirectly) 50% or more of capital or profits interest in P Trust or Estate “T” if F owns (directly or indirectly) 50% or more of Beneficial interest in T 10% or more partner or joint venturer with C F’s Spouse F’s Ancestor F’s Lineal Descendant “LD” LD’s Spouse Officer or Director of C Highly Compensated Employee of C (10% or more of wages) 10% or more shareholder of C Person with management or administrative functions of P Highly Compensated Employee of P (10% or more of wages) 10% or more partner of P Trustee of T Highly Compensated Employee of T (10% or more of wages) 10% or more beneficial interest owner of T 10% or more partner or joint venturer with P 10% or more partner or joint venturer with T IRA
The purpose of this course is to educate individuals into the opportunities that exist with SELF-DIRECTED retirement plans. The key to TRUE self-directing is choosing investments that the individual knows best. The audience for this course will most likely be individuals who invest in these types of investments or trusted advisors such as CPA’s, Realtors, CFP’s who can provide clients for your office. The goals of this session are: Educate about the opportunities with PLANS and PLAN INVESTING Educate about the ways to invest in these investments Educate about the process to take advantage of these investments
INVESTORS NEED TO EDUCATE THEMSELVES HOW TO ANALYZE AN INVESTMENT AND COMPARE IT TO WHAT THEY HAD BEFORE – THE PURPOSE OF MOVING TO A SELF DIRECTED IRA IS TO HAVE IT DO BETTER THAN IT IS DOING NOW. THE INVESTOR TAKES CONTROL CONTD… Investors need educate themselves on what is available. Investors need to know how to analyze investment potential themselves. Investors need to look at what is being presented to them by advisors and compare it with investments that are not available from the advisor. Investors must control this process, not the advisors
Let the audience know what types of plans can be self directed. Let them know that all types of IRA and qualified funds can be used……especially those old 401k funds that are still sitting with ex-employer plans. Whether you’re an individual or owner of a business, Entrust has a solution for you. Cover the tax benefits that these individual or business plans can offer. Tax advantages through tax deductible contributions and tax deferred earnings with the potential through the Roth accounts of tax free earnings. Discuss the difference between a Traditional account and a ROTH account. KEY DIFFERENCE IS: Traditional accounts you pay tax later not now – Roth accounts you pay now not later – CONTROL over taxes NOW vs. later. What will tax brackets be in 10, 15, 20 years? SALES POINT: All types of plans can be self directed. If you qualify for a ROTH…set one up. If you have an old employer plan sitting around….move it to your Entrust account. Don’t forget to mentions those 401k plans that they have sitting around at old employers. Those can easily be rolled over to their Entrust account.
Let the audience know what types of plans can be self directed. Let them know that all types of IRA and qualified funds can be used……especially those old 401k funds that are still sitting with ex-employer plans. Whether you’re an individual or owner of a business, Entrust has a solution for you. Cover the tax benefits that these individual or business plans can offer. Tax advantages through tax deductible contributions and tax deferred earnings with the potential through the Roth accounts of tax free earnings. Discuss the difference between a Traditional account and a ROTH account. KEY DIFFERENCE IS: Traditional accounts you pay tax later not now – Roth accounts you pay now not later – CONTROL over taxes NOW vs. later. What will tax brackets be in 10, 15, 20 years? SALES POINT: All types of plans can be self directed. If you qualify for a ROTH…set one up. If you have an old employer plan sitting around….move it to your Entrust account. Don’t forget to mentions those 401k plans that they have sitting around at old employers. Those can easily be rolled over to their Entrust account.
Let the audience know what types of plans can be self directed. Let them know that all types of IRA and qualified funds can be used……especially those old 401k funds that are still sitting with ex-employer plans. Whether you’re an individual or owner of a business, Entrust has a solution for you. Cover the tax benefits that these individual or business plans can offer. Tax advantages through tax deductible contributions and tax deferred earnings with the potential through the Roth accounts of tax free earnings. Discuss the difference between a Traditional account and a ROTH account. KEY DIFFERENCE IS: Traditional accounts you pay tax later not now – Roth accounts you pay now not later – CONTROL over taxes NOW vs. later. What will tax brackets be in 10, 15, 20 years? SALES POINT: All types of plans can be self directed. If you qualify for a ROTH…set one up. If you have an old employer plan sitting around….move it to your Entrust account. Don’t forget to mentions those 401k plans that they have sitting around at old employers. Those can easily be rolled over to their Entrust account.
Let the audience know what types of plans can be self directed. Let them know that all types of IRA and qualified funds can be used……especially those old 401k funds that are still sitting with ex-employer plans. Whether you’re an individual or owner of a business, Entrust has a solution for you. Cover the tax benefits that these individual or business plans can offer. Tax advantages through tax deductible contributions and tax deferred earnings with the potential through the Roth accounts of tax free earnings. Discuss the difference between a Traditional account and a ROTH account. KEY DIFFERENCE IS: Traditional accounts you pay tax later not now – Roth accounts you pay now not later – CONTROL over taxes NOW vs. later. What will tax brackets be in 10, 15, 20 years? SALES POINT: All types of plans can be self directed. If you qualify for a ROTH…set one up. If you have an old employer plan sitting around….move it to your Entrust account. Don’t forget to mentions those 401k plans that they have sitting around at old employers. Those can easily be rolled over to their Entrust account.
The IRA, because of the special tax status granted, ie, pre-tax money for which you received a tax deduction, has “strings” attached. In order to self-direct you need to understand this. Think of it as money belonging to someone else, someone who needs your help and expects you to be honest in your efforts to manage their money. We like to use the metaphor of “uncle Ira”, your older, doddering uncle. Uncle Ira will leave you his money when he passes on if you take good care of it. If you don’t take care of it he either will have no money to leave or leave it to another relative. You don’t want that to happen, do you?
It is important to keep your own business dealings and that of your family separate from those of Uncle Ira’s. The IRS rules dealing with this and other things that you may not do with your IRA are called “prohibited transactions” Prohibited transactions are all about “self dealing”, getting a direct or indirect benefit from your IRA now, rather than at retirement. The question should be “what is best for Uncle Ira? Not, how can this money help me or my family now.
The law says there are only two types of investments you MAY NOT invest in. COLLECTIBLE -anything that has a value that is based on singular uniqueness. This would include antique cars, some coins, artwork, rare wines. Beanie Babies, baseball cards etc. Life insurance is self-explanatory. A THIRD RULE THAT COULD BE LISTED WITH THESE TWO IS NO SELF DEALING, BUT THAT’S IMPORTANT ENOUGH TO GET ITS OWN SECTION IN THIS PRESENTATION.
The law says there are only two types of investments you MAY NOT invest in. COLLECTIBLE -anything that has a value that is based on singular uniqueness. This would include antique cars, some coins, artwork, rare wines. Beanie Babies, baseball cards etc. Life insurance is self-explanatory. A THIRD RULE THAT COULD BE LISTED WITH THESE TWO IS NO SELF DEALING, BUT THAT’S IMPORTANT ENOUGH TO GET ITS OWN SECTION IN THIS PRESENTATION.
Investment Choices- This is where we can show the audience what investments can be held in their Entrust Account. Reiterate that they are not limited to just securities. They can invest part or all of there retirement funds into these assets. SALES POINT: They have a world of choices with an Entrust Plan
Think about investments that you currently do outside of your plan. Are there any that would be appropriate for your IRA? Can your IRA partner with others in investments of co-workers, friends? Do you have a particular expertise in a type of non-traditional investment?
Investment Choices- This is where we can show the audience what investments can be held in their Entrust Account. Reiterate that they are not limited to just securities. They can invest part or all of there retirement funds into these assets. SALES POINT: They have a world of choices with an Entrust Plan
8 easy steps to adding Real estate to your IRA- This section is meant to give the audience a quick overview of how they would go about purchasing real estate with their retirement account. Let them know that we will get into some specific examples in a minute, but use this as a chance to show how easy it really is. Again, STRESS why use your office for performing these transactions. - A quick example to show the audience how easy it really is to buy real estate in a retirement account
We have provided you with tools on how to fund your account now lets take a look at techniques to invest in what YOU CHOOSE.
This case study shows a simple mortgage. This is an example of a long term hold for larger accounts. This is a good example to show to Doctors, Dentist and individuals with larger accounts who may be looking for an 8-10% return with little risk. Jack Brown has $100,000 in his Rollover IRA with Entrust and wants to loan funds to an investor as a 1st mortgage on a $135,000 home.
5 things to take from this class: We know we threw a lot of information at you today. Don’t feel like you need to grasp it all today. Call us with any questions or Visit our office. You are welcome to attend an upcoming CE Class. REALTORS: We would be happy to speak at an upcoming sales meeting.