Posts Tagged ‘New Year Goals’


Thursday, January 9th, 2014

You don’t have to start your resolution on January 1st, but you should start your resolution with the intent of following thorough.  According to, 34% of people make money related resolutions.  How many times have you thought about taking control of your financial future?  About having more money in your retirement?  Well, the beginning of the year is the time to make these thoughts into realities.  The stock market ended on a very strong note and as all financial advisors will tell you, its best to sell high.  This may be the best time to sell those traditional assets like stocks and bonds to invest in something that has the potential to make more money than stocks and bonds can offer.

What are the benefits?

*”Self-Directed” means you have complete control over selecting and directing your investments.  We even offer accounts that give you checkbook control.

*Diversification– Instead of “putting all your eggs in one basket” on Wall Street, a self-directed account offers a plethora of investment options.

*Market Volatility – We have seen the market on Wall Street do dips and drops and downward strides several times this year.  A self-directed account offers many investment options that have much less market volatility.

*Due diligence – As with an investment you should do your due diligence by researching your investment.  Since self-directing offers so many investment options you can research and invest in what you know and enjoy!

*Tax deferred – profits are tax deferred in your retirement account.  When investing in real estate, no 1031 exchanges are ever needed.

*Plus more

Investment options

—  Real Estate

  • Commercial
  • Residential
  • Multi-family
  • Multi-unit
  • Apartment buildings
  • Co-ops
  • Condos
  • Land – Improved or Unimproved
  • Multi-Tenant Shopping Space
  • Anchored Shopping Center
  • And more!

—  Hard money lending

—  Precious Metals

  • Gold
  • Silver
  • Platinum
  • Bullion coins

—  Private placements or offerings

  • Oil & gas
  • Real estate
  • Ownership interests in privately held businesses and business entities, etc.

—  Trust Deeds

—  Tax Liens

—  Funding a Start-Up Business

And Many Others!

What type of money can be used?

You can roll several types of accounts into a self-directed IRA.

  • Most type of retirement accounts:
    • 401(k)
    • 403(b)
    • Profit Sharing Plans
    • Keogh
    • Qualified Annuities
    • Money Purchase Plans
    • Cash Balance Pension Plans
    • Defined Benefit Pension Plans.
    • IRA accounts:
      • Traditional IRA
      • SIMPLE IRA
      • Roth IRA
      • SEP-IRA
      • Inherited IRAs
      • Plus more, like Coverdale Education Savings

How to get started?

The process is simple.  Visit our website to learn about the self-directed world.  You can watch videos, read brochures, learn about the different types of accounts and investments available when self-directing.  While you are on our website, you can chat with one of our IRA Specialist.  Or, you can give me a call directly so we can discuss your investment goals and decide which self-directed account best fits your situation.

HAPPY NEW YEAR!  And congratulations on starting this year by taking control of your financial future!


Jaclyn M. Grella


Happy New Year

Wednesday, January 1st, 2014

Happy New Year

It is crazy to me that today is the start of 2014. Time seems to fly by faster each day. With 2014 now here it has spurred me to think about my goals. Yup I am just another one of thousands of people who love to set goals at the new year. I am hoping to be one of the few who actually achieve most of my goals. A study done by quirkology showed only a 12% completion rate among 3000 participants trying to achieve their resolutions. That is horrible! I don’t want to fail this year so I found some tips this year to help me out

Here are some tips to help you actually achieve your goals this year:

Plan Ahead – It is the start of the new year and that is ok. Sit down now and think about your goals and start them in the next few days. The idea is to not hurry and set a goal just so you can start it asap. Really think about your goals and think them out. Setting specific, measurable, achievable, realistic, and time based goals are the best, also known as S.M.A.R.T. goals.

Avoid Previous Resolutions– Choosing a new goal or approach an old goal in a different way. That way you will not set yourself up for frustration or disappointment.

Make Only One Resolution– It allows you to focus on one thing. That way your success rate is much better. You don’t want to spread yourself too thin because then you may not achieve anything.

Be Specific– Vague goals have holes and more than likely fail. Remember only 12% of 3000 people actually achieved their goals. Being specific is just another step to help you actually achieve your goal. If your goal is to save money, how will you do that? Maybe you usually go out to dinner on Fridays, Saturdays and Sundays. A specific goal would be to say I want to spend less eating out and will stop eating out on Saturdays. Just saying I want to spend less eating out or I went to spend less are not specific enough.

Now that you are ready to make and keep your goals why not set a financial goal? The following are five great financial goals:

Start a Budget – one most important things you can do to be successful financially. It isn’t just about how much you make because there are plenty people who make a lot of money but are broke, all because they don’t manage their money like they should.
Get Out of Debt – This is another huge factor to being financially successful. The quicker you can pay off your debt the less money you pay in interest. Once you are debt free, how incredible it feels and you will have more freedom to do those things you want. It is worth the sacrifice and effort.
Save Money – saving 10 percent of your income each month is a very good goal. Doing this in addition to saving for retirement and any other things like college for children if you can afford it will go a long way.
Get Retirement Ready – Learning how much money you are going to need when you retire is important. It will tell you what you need to start saving each day, week, month, and year in order to get where you want and need to be at retirement. If have a lot of resources to make sure you get the most out of your retirement.
Invest for Your Retirement – Investing your money that you are saving can help you grow your money at a much quicker pace but there is more risk involved as well. Unless you are a professional at this I would suggest getting others who are professionals to help you out in this department.

These are some suggestions but remember you still need to make these suggestions S.M.A.R.T. goals in order to be more likely to achieve them.

Have a great New Year’s Day and may 2014 be a great year for you and your finances! If you have any questions or need help investing for your retirement feel free to contact us at Accuplan Benefits Services as we are professionals at retirement accounts, namely self directed IRAs and 401ks.