Archive for January, 2015

Self-Directed IRA Rules – Disqualified Persons

Friday, January 30th, 2015

Setting up a self-directed IRA is a great step into taking more control of your retirement investing. It is also a great way to truly diversify your retirement portfolio. As always self-directed IRAs allow you to invest in non-traditional investments like real estate or gold. When you are investing with your self-directed IRA there are certain self-directed IRA rules that you will want to be aware of. Today we will be focusing on one of those rules to help you invest wisely with your IRA, that rule happens to be the disqualified persons rule.

While there are plenty of rules that the IRS has outlined for IRA or 401k investing, we are here to help you make sure you are on track and keeping within the bounds that the IRS has stipulated. One of the important rules that is quite simple to understand but necessary to know is the disqualified persons rule. There is no better way to understand this rule than with a little video. If after watching this video you still have questions please contact us.

Hopefully that spells out clearly enough for you what exactly a disqualified person is and why it is important to follow that rule. At Accuplan Benefits Services we are proud of our notch service and years of experience. These together help to make the best retirement account experience you can have. Whether it is setting up a self-directed IRA or even if it is investing with that self-directed IRA even more fun.

You Still Have Time to Contribute to Your 2014 IRA

Monday, January 26th, 2015

2014 Contribution

We are getting close to the end of January 2015 and hopefully that means that most of you are already deep into work on your 2015 goals. A few of you may be restarting some missed 2014 goals or possibly finalizing a few 2014 goals that you almost made but just needed a bit more time. Wherever you are in your goals there is one bit of good news for those who missed out on contributing to your 2014 self-directed IRA or 401k.

Yes, there is good news for those of you who still haven't contributed to your 2014 self-directed IRA or 401k. The cutoff date for contributions for the 2014 tax year is actually Wednesday, April 15, 2015. Contribute today before it is too late!

So how much can you contribute for the 2014 tax year? The below chart clearly shows contribution limits.

Traditional and Roth IRA Contribution Limits for 2014
Age 49 and under – 100% of compensation, up to $5,500
Age 50 and over – 100% of compensation, up to $6,500

To be able to make this contribution to a Roth IRA in 2014, an individual's MAGI (modified adjusted gross income) must be lass than the below numbers:

Individual – $114,000 – $129,000
Married and filing jointly – $181,000 – $191,000

For a Traditional IRA the MAGI limit to for a partial deduction are as follows:

Single- $60,000 – $70,000
Married and filing jointly – $96,000 – $116,000
married and filing separately – $0 – $10,000
Those with spouses who don't earn income – $181,000 – $191,000

Hopefully, if you haven't contributed to your self-directed IRA for 2014 you will get on it. There are so many benefits that you can get from non-traditional investments that self-directed IRAs allow for.

If you aren't sure what you would do with your self-directed IRA contribution you can either invest it into something like gold. If you have other things that your self-directed IRA is already invested in, like real estate you could use the contribution to pay for real estate repairs or upgrades.

There are many benefits that you get from contributing to your retirement accounts. Don't let your 2014 IRA contribution pass without contributing.


Make The Right Decision And Get The Best Self-Directed IRA Account

Thursday, January 22nd, 2015

Self-Directed IRA Account

A self-directed IRA account is such a great addition to retirement investing. With the ability to invest in non-traditional investments you can get a better diversified retirement portfolio with a self-directed IRA account. When getting a self-directed IRA account one of the most important decisions you will make is the deciding on the custodian (company) you will use. Because choosing a custodian is such a big step that affects how much you enjoy investing with your self-directed IRA is why we wanted to make the decision easy for you.

The Accuplan & AET Difference
While there are plenty of services you want to make sure you get when comparing custodians that offer truly self-directed IRAs. Here are a couple services that we think make us the best option.

First, one of the biggest things that makes us stand out is that your investments are safe and secure because of how we are structured and how we function. For more information about how we function and what an administrator and custodian are check out, "Safety Of Your Funds With Accuplan Benefits Services and American Estate & Trust". This should be one of the biggest reasons to choose us but it isn't the sole reason.

A few other reasons to choose us is because we offer a truly self-directed IRA account. You can choose the type of investment you want to invest in with your self-directed IRA account as long as they are in accordance with the IRS rules for IRA investing.

One of our many other features that sets us apart is our great online bill pay feature. Once set up our bill pay feature make reocurring bills much easier to pay as well as it gives you more time to spend doing the things you want to do. To learn more about our bill pay feature check out, Self-Directed IRA Account Bill Pay.

We really want you to have the best experience when investing with a self-directed IRA account. We do our best to make sure that you are our number one priority. If we can help answer any questions you may have about self-directed IRA accounts or about our services, contact us.


Don’t Let Your Retirement Portfolio Stress You Out – Diversify

Monday, January 19th, 2015

Retirement Portfolio

The stock market is exhausting. One day it is up, the next it is down. Then it is down for three or four days straight and then the next thing you know it is going up again. If you are like me and love to look at what the market is doing on a daily basis it can get very exhausting. There is a never ending amount of information out there that hypothesizes why the market is doing what it is doing. Some days I am reading how the sky is falling and we are in the midst of a crash. Other days I read about how we are about to see a huge upswing in the market. While the statistics can be skewed multiple ways to prove just about any future forecast of the market we can’t predict exactly what will happen. Because of this, I make sure that my retirement portfolio and investments are very sound long-term investments and I don’t worry day to day what the market is doing. I am only truly concerned with how my portfolio does over 5, 10, 20, and even 30 years out. If I lose some money today on an investment it isn’t a big deal as long as that investment, in the long run, will make a decent amount of return.

While there are many tactics to retirement investing, what really makes a good retirement portfolio? My idea of a great long-term portfolio is one that is diversified. I like the idea of investing in a wide range of investments. I am not talking about a wide range of investments strictly in the stock markets but I am talking about a wide range of investments in and outside of the stock markets. These types of investments can be stocks, bonds, some are tangible like real estate or gold.

So how would the average person looking to invest their retirement funds invest some of these non-traditional investments that are outside of the stock market? In order to invest in these non-traditional investments, you need a custodian that will allow for a self-directed IRA. A self-directed IRA gives you all the benefits of a regular IRA but allows you to invest in the other non-traditional investments like real estate or gold. If you want to find out more about self-directed IRAs feel check out, “What You Need To Know about Self-Directed IRAs

There are plenty of reasons why investment professionals taught a diversified portfolio. One idea is that you can lower your investment risk without lowering your investment return. Of course there are certain ways to diversify but hopefully, you are beginning to see that you can do a whole lot more with an IRA and 401k than just buying stocks and bonds. You can diversify outside the market into real estate, gold and so much more.

If you need any more information about self-directed IRA investing contact us.


Checkbook Control IRAs Can Help You Invest Faster In The Things You Want

Thursday, January 15th, 2015

Checkbook Control IRA

Investing is typically less stressful and more enjoyable when you don't have to go through so many hoops and obstacles just to invest in something that you want to invest in. For most of you who want to invest in something different with your IRA or 401k you will have to open an account with a different custodian. Most custodians don't allow investments outside of stocks and bonds or any type of investment along those lines. If you would like to invest in real estate, gold or anything non-traditional you'll need to open up a self-directed IRA with a custodian that allows for self-directed IRAs.

When investing with self-directed IRAs there are times when certain investments are time sensitive and need to be invested in quickly. For example, you may want to invest in a real estate property that has multiple offers and you may want to get an offer and monies to them asap. Regardless, of the investment there are times when you don't want want to fill out a DOI form, send it to your custodian, and wait for it to get funded. The faster and more efficient option is to have checkbook control over your retirement account.

What is checkbook control? Checkout this video that explains what a self-directed IRA with checkbook control is –> Checkbook Control IRA

With checkbook control you don't have to worry about how fast you can fund your investments. This gives you the freedom to worry about more important things like your investments. Whether you're investing in gold, silver or real estate, Investing in the things you want and when you want with your IRA is so much better with a self-directed IRA account with checkbook control.

Contact us If you need help setting up your self-directed IRA with checkbook control or just want more information on how a checkbook control IRA can help you.