Posts Tagged "udfi"

UBIT and UDFI and the Implications for Your IRA or 401(k)

UBIT — Unrelated Business Income Taxable UDFI — Unrelated Debt Financed Income Two acronyms for taxes that will probably never affect you, BUT this post is to address UBIT and UDFI and the implications for your IRA or 401(k) if you trigger these events.  Both are important for you to know…and, if applicable, discuss with your tax or legal professional before you…read more →

Self-Employed? SEP vs. Solo 401(k) (Part 3)

In this post, we are going to expand on a couple more advantages of the Solo 401(k) over the SEP-IRA.  However, while we are not spending significant time on these two benefits, don’t be fooled into thinking they are not important.  Depending on your interest in how you make your contributions and your investment strategies, these two benefits are important for you understand….read more →

Recruitment of Real Estate Agents

While this post is written more from the standpoint of a real estate broker recruiting real estate agents, it is applicable to any professional real estate agent who is interested in their career.Can a self-directed 401(k) or self-directed IRA assist a real estate broker with the recruitment of real estate agents? Possibly. Many real estate brokerage offices take an active…read more →

Unrelated Debt Financed Income (UDFI)

Many people start going down the path of creating a self-directed IRA and have never heard of the term Unrelated Debt Financed Income (UDFI).  And, when they visited with the company that established their self-directed IRA, the concept of Unrelated Debt Financed Income may not have even come up.  I mean, if an IRA is not planning on financially leveraging an…read more →

Solo 401(k) and SEP IRA

For those that are interested in self-directed retirement plans, it is easy to understand some of the confusion that exists in what plans the individual qualifies for and what type of retirement plan should be established.  In this post, we will address a solo 401(k)and SEP IRA. A self-employed individual who will consider a solo 401K(k)and SEP IRA may initially believe the SEP IRA…read more →

Encumbered IRA Asset Rollover into a 401(k) — Permissible?!

Recently, I did a blog on a social media site for which I was lambasted by one really, really friendly, self-proclaimed, all-knowing expert on ANYTHING related to IRAs (yes, if you can sense I use sarcasm, you would be correct!).  I was being criticized for how I answered a question by a person in the room when I was only…read more →

Double Taxation for Your IRA? Ever Hear About It?

Many people are, understandably, excited and interested in establishing a self-directed IRA or 401(k).  Good or bad, right or wrong, many individuals are concerned about having some or all of their retirement assets in the market and are looking for true ways of diversifying.  With the ups and downs of Wall Street and concern of market manipulation, it shouldn’t come as…read more →

Self-Directed IRAs — The Proverbial Dog?! (Part 4)

This is Part 4 of our “Home Alone” tribute and your “woof woof” IRA.  You may remember from the three posts that we outlined that while an IRA is never a bad thing, compared to a 401K it is like dog food….thus, woof woof. That being said, what is a fourth reason of why the 401K is a clearly more preferred retirement plan…read more →