TL;DR Yes, you can roll over a 403b to a self-directed IRA without taxes or penalties, as long as you use a direct rollover. The process takes 7 to 21 business days. You choose a specialized SDIRA custodian, open the…
TL;DR IRAs are not all created equal when it comes to investment flexibility. Standard brokerage IRAs (Fidelity, Schwab, Vanguard) are excellent for stocks, ETFs, and mutual funds, but they cap your universe there. Self-Directed IRAs open the full menu: real…
TL;DR Most self-directed IRAs have almost no annual tax filing obligations. Your custodian handles Form 5498 and Form 1099-R automatically. Things get complicated when your IRA uses a non-recourse loan on property, holds a multi-member LLC interest, owns a share…
TL;DR A self-directed IRA can invest in a private business, but four hard limits govern how: the 50% ownership rule under IRC §4975, UBIT on active business income, the S-corporation shareholder prohibition, and the no-compensation rule that bars you from…
TL;DR A self-directed IRA LLC with checkbook control is a structure where your IRA owns a limited liability company and you manage that LLC’s bank account directly. No custodian approval needed for each transaction. You write checks or send wires…
TL;DR A self directed IRA can hold real estate, but nine specific rules govern how. You can’t buy property from yourself or family, you can’t live in it, you can’t manage it yourself, and all money must flow in and…
TL;DR You cannot take a loan against crypto held in an IRA. Pledging IRA-held crypto as collateral for a personal loan is a prohibited transaction under IRC Section 4975. If this happens, the IRS treats your entire IRA as distributed…
TL;DR A self-directed Roth IRA for crypto works like a standard Roth IRA but uses a specialized custodian that permits digital assets. You fund it with cash (after-tax), buy crypto through the custodian’s approved exchange, and all growth is tax-free…
TL;DR A self directed crypto IRA is a retirement account that lets you buy and hold Bitcoin, Ethereum, and hundreds of other cryptocurrencies with either tax-deferred (Traditional) or tax-free (Roth) growth. You need a specialized custodian because Fidelity and Vanguard…
TL;DR A gold and silver IRA is a self-directed IRA that holds physical precious metals inside a tax-advantaged retirement account. You can fund it by rolling over a 401k or existing IRA. Gold must be 99.5% pure; silver must be…
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