NON-TRADITIONAL IRA SERVICES
Get complete control over your Individual Retirement Account.
TAKE ADVANTAGE OF THE TRENDS
With so many options available in a flexible IRA you will not be constrained by a lack of choice. With this flexibility we will help to take advantage of the trends so the trends don’t take advantage of you.
fall in love with FLEXIBILITY AND FREEDOM
Your money is your money! With our flexible IRA solutions, you don't give up ownership.
You make the decisions in your account. We will give advise, direction and wisdom, but the choice is always yours to make.
Our team thinks about your needs. Not every person is the same, so a cookie cutter approach cannot be used. With decades of experience, hundreds of millions of assets placed, and expertise we can guide you with confidence on the numerous choices available in your IRA.
With your flexible IRA you are free to roll it over to another custodian, take distributions, when you want and for whatever reason you want.
You are are not tied to traditional assets like stocks, bonds, mutual funds, CDs, and money markets. Non-traditional assets, private placements, and real estate can also be owned in your IRA.
Financial decisions can be the most stressful because they effect the rest of your life. Knowing this, we take all the time necessary to educate, equip and gently guide you so when you make your decision you will have peace of mind.
IN 15 MINUTES OUR TEAM WILL WALK YOU THROUGH THE STEPS TO GAIN FULL CONTROL OVER YOUR RETIREMENT ASSETS.
YOUR IRA WITH NON-TRADITIONAL ASSETS
FREQUENTLY ASKED QUESTIONS
No. All IRA assets MUST remain within the custody of a custodian or trustee of the IRA. You may take a distribution of your assets in your IRA which is a TAXABLE event reported to the IRS. Unless you make a qualified rollover contribution of the assets into another plan, you will probably owe income taxes on the value of the distribution and are likely to be subject to a penalty for a premature distribution as well. As always, consult with your investment advisors regarding these matters.
A self-directed IRA is exactly like any other IRA, with one major difference. YOU get to choose where your IRA funds will be invested rather than just accepting whatever the IRA trustee of custodian offers. This gives you greater flexibility because you can choose precious metals, stocks, bonds, CDs, mutual funds, government obligations and other investments.
Money in an existing IRA can be moved to a new custodian by either a TRANSFER or a ROLLOVER. A transfer DOES NOT require IRS reporting, and there are NO RESTRICTIONS on how often you can transfer funds. Your CUSTODIAN will contact the previous institution and take care of getting the funds moved. Special rules apply if you have reached 70 ½ , and you should check with the previous trustee or custodian to see if there will be fees or penalties.
No. All contributions MUST be made in cash EXCEPT in the case of transfers and rollovers.
Anyone who has earned income can contribute to an IRA each year. Depending on your income, marital status, and participation in employer’s plans, your contribution to a TRADITIONAL IRA may be deductible. Contributions to a ROTH IRA are never deductible, but qualified distributions from the account are COMPLETELY TAX FREE. Your tax advisor can help you determine which type of IRA is most appropriate for you.
Non-deductible contributions grow tax-free in a ROTH IRA and tax-deferred in a TRADITIONAL IRA. This tax-favored treatment usually makes even a non-deductible contribution a smart move.
A bank has its fee built into the interest rate is pays you. In addition, a bank probably will not allow you to invest in precious metals. Since the custodian that is holding the precious metals receives no commission from any of your investment actions, separate fees are necessary to cover the cost of maintenance and storage.
It is cheaper than you might think! The majority of the fee is for storage. Since you are purchasing physical metals for your account, they need a place to be stored safely. The fees should range in the $200-$300 range annually, regardless of the amount of metals in your account.
Yes. These are called “in-kind” distributions and they are permitted. However, upon distribution you will have to pay ordinary income tax in the case of delivery or cash distribution for the year in which they were received.
When the coins arrive at the storage facility, the shipment will be opened in order to inspect the contents. The contents will then be resealed in the same shipping box and placed in the vault. This insures the coins that were acquired on a client’s behalf are the very same coins that are delivered.
More than likely the answer is no. The only precious metals IRA that brokers and banks can set up are generally invested in gold stocks and mutual funds which are considerably more speculative and risky.
Our selected custodians utilize the two oldest and largest private storage facilities in the country. The coins are insured and remain locked in the safest possible environment.
Yes. At some point in the future you may choose to take profits on your precious metals holdings and transfer them into stocks, bonds, CDs or any other type of investments that are allowed in IRAs.