Self Directed Investor Talk: Alternative Asset Investing Through Self-directed Ira's & Solo 401k's

The Big Idea Self-employed investors have retirement account options that are FAR superior to conventionally employed people in the form of the SEP IRA and the Solo 401k.  One of them is clearly better than the other... Points To Ponder IRA's are great, but you can't contribute more than $6,500 per year to them Self-employed investors may qualify for the SEP IRA or the Solo 401k, both of which have a much larger limit - up to $60,000 per year Solo 401k is practically always a far superior alternative to the SEP IRA because: It's much easier to actually contribute to the solo 401k than to the SEP IRA You can't have a SEP IRA that's taxed as a Roth account The SEP IRA has all of the severe vulnerabilities to prohibited transactions that are present with all IRA's.  Solo 401k's are much safer and friendlier to the investor. If your advisor recommends a SEP IRA over a solo 401k, they're likely either ignorant or are being compensated to motivate you to open an IRA. Resources Episode #245 (this show) of Se

Want to know how to TRIPLE the returns Wall Street offers for that part of your portfolio that absolutely, positively must stay safe?  I’m Bryan Ellis.  I’ll tell you how to do that EASILY right now in Episode #244 of Self Directed Investor Talk. ----- Hello, Self-Directed Investor Nation!  Welcome to the podcast of record for savvy self-directed investors like you, where each and every day, you learn how to DECLARE INDEPENDENCE from Wall Street as we teach you how to find, understand and PROFIT from exceptional ALTERNATIVE asset investment opportunities! It’s Monday again and I don’t know about you… I love every moment of the weekend, but I definitely look forward to Monday morning, too… it’s good to be back at it with you today! Ok, let’s jump right in.  I’m going to tell you how to TRIPLE what Wall Street offers for money you need to keep safe.  What’s more, you’re going to understand it perfectly and quite easily, before the end of this show. So here’s the deal:  Sooner or later, everybody gets to a poin

I’m not a huge fan of using leverage in a retirement account.  But this time, it makes some sense.  I’m Bryan Ellis.  I’ll tell you about this special case right now in Episode #243 of Self Directed Investor Talk. ----- Hello Self Directed Investor Nation!  Welcome back to the podcast of record for savvy self-directed investors like you… where all we ask of you is 7 minutes a day… and in return, we give you MASTERY as a self-directed investor. Hey folks, I hope you’ve taken the time to check out the BRAND NEW website for this show, SDITalk.com.  It’s designed specifically to give you much easier access to all of the information you love, and it is, STILL, 100% free!  Check it out now… SDITalk.com. Quick note, too… you’ve heard me say it before, and I’ll say it again:  If you need funding for your deals or your business, the best interest rate to pay is ZERO.  The best type of collateral to place is NONE.  And the best kind of credit to have is CASH credit.  So, if you’re interested in up to $250,000 of zero c

Hey all of you private lenders out there, this episode is for you… and unfortunately, it involves your preferred asset type, and our friends at the IRS.  I’m Bryan Ellis.  I’ll tell you all about it right now in Episode #242 of Self Directed Investor Talk. ----- Hello, Self Directed Investor Nation, welcome to the podcast of record for savvy self-directed investors like you!  This is the show where all you’ve got to is give us 7 minutes a day… and you get back MASTERY as a self-directed investor! Good show for you today, folks, prompted by a telephone consultation I did yesterday for two attorneys who have a major private lending business OUTSIDE of their self-directed IRA… and are also doing MILLIONS in private lending business INSIDE of their IRAs.  These guys have a lot at stake… I did some research, and I’ll tell you what I found. And as I do so, feel free to write to me with your questions and comments by email at feedback@sditalk.com, feedback@sditalk.com.  Or – and frankly, I’d really appreciate this

How will Trump policies affect real estate investors specifically?  I’m Bryan Ellis.  I’ll give you the answer right now in Episode #241 of Self Directed Investor Talk. ----- Hello, Self Directed Investor Nation.  Welcome to the show of record for savvy self-directed investors like you, where for just 7 minutes of your time per day, we give you MASTERY as a self-directed investor. Welcome to another week, folks.  I’ll be honest with you, I’ve had a pretty awful last 24 hours and don’t even feel like doing this show right now.  Am I allowed to admit that to you?  Well of course I am.  It’s my show, I can say whatever I want.  I suspect that’s part of why you continue to listen, frankly. But I have some important things to say today and it might take just a minute or 2 longer than the 7 minute standard we have around here. Ok, let’s talk about Trump and how I expect his policy proposals to affect real estate as an investment. Look, I think overall, the outlook is extremely positive, but with one rather large q

The Trump era dawns today, amidst a storm of both honest disagreement and an overwhelming degree of infantile protest.  What will Trump mean for the retirement account of the self-directed investor?  I’m Bryan Ellis.  I’ll break it down for you right now in Special Episode #240 of Self Directed Investor Talk ----- Happy Inauguration Day, self-directed investor nation!  Welcome to the podcast of record for savvy self-directed investors like YOU, where if you give us just 7 minutes a day… we give you back MASTERY as a self-directed investor! Ahhh yes… pomp and circumstance.  I really enjoy it, honestly.  I’ve watched all of the inaugurations, and the day’s events leading up to them during my adult lifetime, and it’s really so fascinating to me.  You can frequently tell a WHOLE LOT about how the President will behave in office solely on the basis of how they behave during inauguration.  In fact, that was more true of Obama than for anyone else, but that’s old news, because there’s a new sheriff in town. His nam

Can you buy an OFFICE BUILDING in your self directed IRA or 401k?  I’ll bet you think the answer is YES, don’t you?  Actually, it’s only MAYBE.  I’m Bryan Ellis.  I’ll tell you why right now in Episode #239 of Self Directed Investor Talk… ---- Hello, SDI Nation!  Welcome to the podcast of record for savvy self-directed investors like you where all we ask is 7 minutes a day… and what you get in return is self-directed investing MASTERY! A great show is in store for you today and I’d like to remind you that you can ALWAYS get to the show notes for any show by putting the episode number after the domain name SDITalk.com.  For today, the show notes page is SDITalk.com/239… and you really should check it out.  You doubtlessly hear me referring to articles, studies and links from time to time in this show, and all you’ve got to do to get access to all of that EXTRA SDI-goodness is to visit the show notes page where you’ll find the show itself, a full transcript, and all of the resources I just mentioned.  Again,

Here’s a GREAT case study that will show you just what’s possible with a little bit of creative thinking, some great real estate deals and a little bit of capital.  I’m Bryan Ellis.  This is Episode #238 of Self Directed Investor Talk… ---- Hello, Self Directed Investor Nation!  Welcome to the podcast of record for savvy, self-directed investors like you, where we show you how to DECLARE INDEPENDENCE from Wall Street and build wealth for generations! My friends, I had a really enjoyable consultation with one of your fellow listeners today, and while I’m not going to share his name to maintain his privacy, I think the other details of his circumstance will be very, very instructional to you, so we’re going to dig into that in today’s episode. But first… don’t forget:  Fund and Grow.  Fund and Grow.  Fund and Grow.  Those are the guys who are essentially – not exactly, but in effect – able to get you a CREDIT CARD at a zero percent interest rate, and a limit of up to $250,000.  That’s not exactly what they’re

Want to contribute to a Roth IRA, but your income is too high?  Never fear, my friends… a solution is here!  I’m Bryan Ellis.  I’ll give you that solution right now in Episode #237 of Self Directed Investor Talk. ---- Hello, SDI Nation!  Welcome to the broadcast of record for savvy self-directed investors like you, where each day we educate, entertain and INSPIRE you to DECLARE INDEPENDENCE from Wall Street… and in the place of simply DEFAULTING to stocks, bonds and mutual funds, you open your mind and portfolio to alternative assets that are SIMPLE, SAFE and STRONG! Glad to be with you again today, my friends.  To participate in the show, just drop me an email at feedback@sditalk.com or reach out on Twitter or Facebook where our handle is @SDITalk in both places.  And… BE SURE that in this NEW YEAR you’re on the SDI Private Update list, which you can join by texting the word SDITALK with no spaces or periods to 44222. Hey I’ve told you a few times about my friends Ari & Mike over at Fund & Grow… they

Want a quick tip for saving a TON of taxes if you own real estate in a traditional self-directed IRA?   I’ve got just the thing for you now.  I’m Bryan Ellis.  This is Episode #236. ---- Hello, SDI Nation!  Welcome to the podcast of record for savvy self-directed investors like YOU where you are educated, entertained and even INSPIRED to DECLARE INDEPENDENCE from Wall Street… Our goal here is to help you find, understand and PROFIT from the very best alternative assets that money can buy. I’ve got some more tax-saving goodness for you real estate investors who use your Traditional IRA to own real estate. But before we go there… have you checked out SDITalk.com/credit?  That’s where you’re going to learn how to get up to around $250,000 of ZERO-INTEREST capital for your investments or your business.  You know those credit cards that offer a zero percent introductory offer?  Well imagine you could do that… but you could extend the “introductory” period out indefinitely.  That’s what you’ll learn how to do at SD

It was big in 2016 – and will be even bigger in 2017.  What is “IT”? CROWDFUNDING, of course… and I’ve brought in a special expert to discuss this whole CROWDFUNDING PHENOMEMON with us… and his opinion is… shall I say… something DIFFERENT than the conventional wisdom.  I think you’ll love it.  I’m Bryan Ellis.  This is Episode #235. ---- Hello, SDI Nation!  Welcome to the broadcast of record for savvy self-directed investors like you where each day, we help you DECLARE INDEPENDENCE FROM WALL STREET. Today is show #235 so that means you can get the links, resources and transcripts from today’s show at SDITalk.com/235.  And if you’d like to participate in the discussion about this with us online, you can do that on Twitter or Facebook where you can find us at – of course – SDITalk. Today I’m sharing a special interview with you I did with Sal Buscemi of Dandrew Partners LLC, a New York-based commercial real estate advisory boutique firm that helps institutional investors place capital into distressed commercial

In this special Expert Series edition of Self Directed Investor Talk, Daren Blomquist, Vice President of the respected data firm RealtyTrac gives his insights on the suitability of today’s market for house flipping, along with his predictions for what 2017 holds for America’s real estate markets.  I’m Bryan Ellis, your host and I’d like to welcome you to a very special edition of Self Directed Investor Talk.  Please send your questions and comments to us by email at feedback at sditalk.com or on Facebook or Twitter at SDITalk.  With that… Bryan Ellis:                       Mr. Blomquist, how are you today, sir? Daren Blomquist:            I'm doing very well. How are you? Bryan Ellis:                       Very well. Thanks for joining us. Look, I've always or have long been a fan of Realtytrac and what is now ATTOM Data Solutions, and particularly your quarterly home flipping report, because that's one of the businesses that we're in. I had a look at the Q3 2016 report, and it's interesting because it looks

Ruth Heffron did everything right – she built up an IRA big enough for her retirement, AND enough to leave her daughter nearly half a million dollars.  But the US Supreme Court has different ideas, and it’s bad for Ruth, her daughter, and YOU.  I’m Bryan Ellis.  This is Episode #234. ----- Hello, SDI Nation!  Welcome back to Self Directed Investor Talk… the show where I, your humble host, daily throw myself into the lion’s den in proclamation of the Gospel of Self Directed Investing… namely, that you MUST DECLARE INDEPENDENCE FROM WALL STREET and take control of your own capital! Before we do that… can I just remind you guys about Fund & Grow?  They’re the guys that are just EXTRAORDINARY when it comes to build cash credit for investors, businesspeople and others.  For anyone with decent credit, their specialty is establishing $50,000 to $250,000 or more of ZERO INTEREST credit for you to use on anything you want.  Totally unsecured, too… It’s really amazing.  A great alternative to hard money loans, for

Is there ever a time when it is NOT wise to invest your IRA money into a great real estate deal?  You may be surprised to hear it, but the answer is, without a doubt, YES!  I’ll tell you when that’s true… and give you an extraordinary alternative.  I’m Bryan Ellis.  This is Episode #233 ---- Hello, Self Directed Investor Nation!  Welcome to another exciting edition of Self Directed Investor Radio, the show by savvy investors, for savvy investors where we help you to DECLARE INDEPENDENCE from Wall Street… and help you to build wealth for generations to come. This is is Episode #233 and you know what that means… you can find the transcript and show notes for today’s episode at SDIRadio.com/233.  And if you have questions or comments, you can post them right there at SDIRadio.com/233 or you can reach out on either Twitter or Facebook at SDITalk. My friends, a few months ago, a highly esteemed publication – none other than TheStreet.com, a major news source for the whole Wall Street crowd – asked me to begin writ

Donald Trump was elected president, and you’ve heard nothing about it from yours truly, the voice of the Self Directed Investor Revolution.  So what does Trumps ascendancy to the Presidency mean for you and me?  And what’s the one thing he’s saying right now that concern me FAR MORE than anything else the press is focused on?  I’ll tell you right now.  I’m Bryan Ellis.  This is Episode #231. ---- Hello, SDI Nation!  Welcome to the broadcast of record for savvy self-directed investors like you, where each day we help you DECLARE INDEPENDENCE FROM WALL STREET and build wealth for multiple generations – your generation, and your loved ones, too! My friends, there’s been a lot going on here at SDI Southern Command in Atlanta, Georgia.  Far from being silent, I’ve been speaking out more than ever before… but in a new, different way than any of you area accustomed to. You see, the overwhelming success of this very podcast brought to me the opportunity to get the word out to an even broader group of people on conven

The RISE Act Proposal is the biggest threat to self-directed IRA investors we’ve ever faced. Two episodes ago, I told you how Mitt Romney’s massive $100 million IRA prompted the creation of the RISE act, which I explained – in all of its terrifying detail – in the last episode.  Today, you see how this is ABSOLUTELY, POISTIVELY connected to the Trump vs Clinton choice we’ve all got to make on election day, November 8.  The next 7 minutes are overwhelmingly important to the future of EVERY SINGLE self-directed IRA investor.  I’m Bryan Ellis. This is Episode #231. ----- Hello SDI Nation, welcome to the podcast of record where we help you to declare independence from Wall Street and build a financial legacy for future generations.  Today I’ll show you how the future of the overwhelmingly NEGATIVE RISE act proposal is INTIMATELY connected to the Trump vs Clinton choice.  Remember – right now RISE is just a proposal, but not law.  Today you learn how to make sure it never, ever becomes law. Just a heads up… in tod

In our last exciting exciting episode, you discovered how the specter of Mitt Romney’s 2012 disclosure of his $100 Million IRA still looms large over politics in 2016 with the announcement of the RISE Act Proposal, a legislative objective designed to totally cut off self-directed IRA’s at the knees.  Today, you learn exactly what the RISE Act is and why it’s the worst news for self-directed IRA investors… maybe ever.  And… oh yeah… you’ll learn about the CLEAR CONNECTION to the Trump vs Clinton presidential battle. Buckle your seatbelts, folks.  This one is going to be ugly.  This is episode #230. ------  Hello SDI Nation, welcome to the podcast of record where we help you to declare independence from Wall Street and build a financial legacy for future generations.  Today’s show notes page is at SDIRadio.com/230… write that down, because you’ll need it to reference some of the things I’ll tell you about today, that will simply leave you aghast. But first, folks, I owe it to you to make sure you know about my

You’re a self-directed investor.  Do you think that there’s no difference between a vote for Trump and a vote for Hillary?  Think again, my friends.  A new legislative proposal is out that directly attacks self-directed IRA’s specifically, and this leads to the CLEAR and RATIONAL conclusion that the difference between the candidates is huge.  I’m Bryan Ellis. I’ll spell it out in CRYSTAL CLEAR LANGUAGE RIGHT NOW in Episode #229. ------  Hello SDI Nation, welcome to the podcast of record where we help you to declare independence from Wall Street and build a financial legacy for future generations.  Today I’ll do that by helping you to understand what’s at stake in the upcoming presidential election that’s directly relevant to YOU as a self-directed investor.  Just a heads up… in today’s show, you’re going to hear me refer to today’s show notes page a few times.  That page is SDIRadio.com/229 and it’s got some really important, profoundly relevant things for you.  So when you hear me refer to today’s show notes

My friends, get ready to learn something about a huge limit on your IRA that is TOTALLY OPPOSITE what you’ve been told by everybody else.  This is a big, big deal and a huge risk factor for your self-directed IRA.  I’m Bryan Ellis.  I’ve got the details for you now in Episode 228.   Hello, SDI Nation!  Welcome to the podcast of record for savvy self-directed investors like you, where we help you take control of your investments and your legacy, and today, I’ll do that by helping you to protect your self-directed IRA in the face of transactions that appear totally kosher, but could be like a nuclear detonation in your retirement savings. Let’s start the show with a bribe.  Hehehehe  Here goes: I want you to SUBSCRIBE to this show on iTunes.  That tells the iTunes people that we’re producing good stuff, and in turn they send us more listeners.  So here’s my proposal:  If I teach you something today you didn’t know before, which is DIRECTLY RELEVANT TO THE SAFETY OF YOUR INVESTMENTS either now or in the future,

When a candidate for President of the United States is so sick she’s got to leave the 9/11 memorial service halfway through, and then is unable to get into her vehicle under her own power, that’s a person who is clearly unwell.  Regardless of political stripes, we wish Hillary Clinton a speedy recovery.  But her illnesses – and the fact they’ve been so carefully hidden – begs the question:  What about YOU?  Have you prepared your spouse, your kids or whoever will inherit your portfolio all they need to know to understand and succeed with your assets?  And by the way – the potential of severe illness for Hillary has ramifications for your money, too.  Let’s take a hard look right now.  I’m Bryan Ellis.  This is Episode #227.  ----- Hello, SDI Nation!  Welcome to the podcast of record for savvy self-directed investors like you where we help you TAKE and KEEP control of your investments. In the last episode, we talked about Bob, who recently passed away and left his 3 children with an IRA containing real estate.