Purchasing Real Estate Through Your IRA!

Did you know you can use your retirement savings to invest in real estate? With a self-directed IRA (SDIRA), it’s possible — and potentially powerful.

What is a Self-Directed IRA?

A self-directed individual retirement account (SDIRA) is a type of IRA that gives you more control over your investments than a traditional, custodian-directed account.

While regular IRAs limit you to stocks, bonds, and mutual funds, a self-directed IRA opens the door to real estate, promissory notes, private companies, precious metals, tax liens, and other nontraditional assets. In fact, Jill is using her self-directed IRA to provide loans to investors who are flipping homes!

Why Consider a Self-Directed IRA?

A self-directed IRA lets you:

• Enjoy the same tax advantages as other IRAs
• Diversify beyond Wall Street
• Invest in what you know — like local real estate or private lending
• Take a more active role in building long-term wealth

With a broader range of options, SDIRAs can offer greater potential for growth — especially if you have experience in real estate or alternative investing.

How to Get Started

Setting up an SDIRA requires working with a custodian or administrator who specializes in nontraditional assets. Here's how it works:

1. Open an account with an SDIRA custodian
2. Transfer or roll over funds from your existing IRA or 401(k)
3. Choose your investment — like a rental property, commercial building, or land
4. Direct the custodian to purchase the asset on behalf of your IRA

The custodian handles the paperwork and ensures your investment complies with IRS rules.

If you’d like to explore how a self-directed IRA can help you invest in real estate or other assets, call us at (208) 327-2127.