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How To Unlock The Wealth In Your IRA or 401K

By Converting It To

A TRUE Self-Directed IRA and 401(k)

What does it mean if a retirement account is "Self-Directed"?

Many custodial companies are using the term "Self-Directed" to describe the IRA and 401(k) products that they market. Unfortunately, what these companies aren't telling you is that, when used to describe retirement plans, the term "Self-Directed" can actually have either of the following meanings:

1.) Traditional IRA's- typically offer only limited investment options for plan owners (stocks, bonds, and mutual funds). You "Self-Direct" your account only in the sense that you choose your investments from a very limited list of stocks and mutual funds offered through your account custodian.

If you have an Ameritrade account (or a similar one), you have this kind of "Self-Directed" account.

2.) Traditional "Self-Directed" IRAs - expand the investment options from stock and mutual funds to also include real estate, tax liens and a host of other potentially higher-yielding investments. Although this is a step in the right direction, owners of these Traditional "Self-Directed" IRAs soon learn that there are some significant drawbacks to this type of "Self-Directed" plan:

•Who’s The Boss? - Custodial "Approval" is required before you are allowed to make an investment. (Why should you need to get someone else’s approval to invest YOUR funds?)

•Delays - Ready to invest? GREAT! Now fill out the paperwork and WAIT up to a week or longer! (Say goodbye to time-sensitive investment opportunities!)

•Interest on Uninvested Funds - Uninvested funds are held in an account at the custodian that pays you little or no interest. (Shouldn’t you be the one making the interest on YOUR uninvested money?)

•Fees - Typical fees include a yearly "Maintenance" fee (usually based on a percentage of the market value of the assets in the plan), fees for buying AND selling assests, and fees for every little service from document safe-keeping to cashier's checks and faxes.

If you have an account with Entrust or Pensco (or similar), you have this type of "Self-Directed" retirement account.

Our TRUE IRA and TRUE 401k are the next level in Self-Directed Retirement plans.

Each of our plans gives investors the ability to purchase time-sensitive investments that are nearly impossible using a "traditional" Self-Directed IRA custodian. Our partner’s flexible retirement plans have the following features:

•Investment Options - with Waterford, you can invest your retirement plan in real estate, tax liens, loans, local businesses, stocks, mutual funds and a host of other options. You are only limited by your imagination! The TRUE Self-Directed IRA or 401(k) offers you greater opportunity by allowing you to choose the investments that are best suited to help you meet your retirement goals.

•Checkbook Control - We help you structure your IRA or 401(k) so that you have checkbook control over your retirement plan assets. No more begging a broker to allow you to invest your own money. You are in total control. Participate in time sensitive investments, including foreclosures and tax liens, without the time restrictions of the custodial paperwork process.

•Limited Custodial Fees – Unlike many of our competitors, fees are not based on the size of your account or on the number of assets it holds. Regardless of the account size, our IRA clients pay the same low custodial maintenance fee of $190 per year. In addition, this structure all but eliminates transactional, asset-based and holding fees. This can save you hundreds or thousands of dollars per year (when compared to our competitors).

•Support to Succeed – With this firm, you have access to the support you need to invest confidently. This firm and its affiliates have set up hundreds of people with their own Self-Directed retirement plan. Our tax experts are available to review any transactions you are considering for adherence to tax law guidelines…..this ensures that you don’t do anything that would endanger your retirement.

•Asset Protection - In many states, IRA assets are subject to the claims of predatory creditors. If properly structured, your IRA can build a financial fortress around your hard earned wealth.

•True Diversification - Your retirement holdings can now be truly diversified in a number of different assets. No longer are you limited to only the investments your custodian offers.

The TRUE IRA and TRUE 401k combine the best of both worlds. The flexibility to invest when, where and how you choose along with 100% CHECKBOOK CONTROL. No more waiting. No more paperwork. Investing is as simple as writing a check.

All these benefits, and the TRUE Self-Directed IRA and TRUE 401k are less costly to maintain. Fees are significantly lower than Traditional "Self-Directed" custodians.

Learn how to:

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American City Realty offers a very unique program through an affiliate company that will unlock your IRA or 401K.  Why have you not heard of this unique program? It might have something to do with the fact that financial institutions currently profit from you by locking up your retirement funds just in stocks and bonds without allowing you the freedom to do other things with YOUR money. If you diversify your portfolio and move some money out of stocks and bonds, those brokers who now control you and your money lose their income source.

Financial institutions will not tell you that you can legally invest your retirement fund within a real estate investment property for example. They will even go so far as to tell you that it is illegal to use your retirement fund for things other than stocks and bonds. Bottom line, the IRS allows anyone to use their retirement fund in any way they see fit, as long as they follow some simple guidelines. Contact me or attend a free class and find out more.

You can own investment properties (commercial or residential) within your 401K or IRA.  As a wealth coach, I can put together a wealth plan for you that shows you how to convert the locked up money inside your IRA and/or 401K and use it in ways that your stock/bond broker will not tell you about.

As a Loan Officer, I can also help you with the special loans that you may need to accomplish your goals of owning investment properties within your retirement account.

As a first step, do not take any money out of your IRA or 401K or loan it to anyone for any reason, at least not until you understand the tax implications.

Doing anything personal with this money, without following IRS rules, means paying a large financial penalty. Also, do not loan anything to relatives or family from your IRA or other retirement account.  Why pay the IRS and lose money that could be used as a slingshot to propel you using your tax free money into millionaire or beyond status?

Contact me for more information, or to attend a free class online that will teach you how to convert your IRA or 401K into an account that you personally control, with a simple checkbook.

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Eric Straatsma MS - Wealth Coach
R.E. Agent / M.H. Agent / Loan Officer / Asset Planner
DRE# 01730488 / HCD# SP1179417 / VSL# S909315
530-315-1526

This page is designed to be printed out and shared with your clients, agent, friends, family, boss, developer, and/or relatives. Price and terms subject to change without notice on any of the properties listed herein. Properties listed may no longer be available and are subject to daily change.
Please note: Although we make every effort to ensure the accuracy of specifications, representations, and features attributed to specific homes and parks on our website, changes and errors can occur.   Materials contained on this website and other websites linked to this one shall not be construed as a part of any contract, agreement, or other binding obligation.  We do encourage the use of
these and other materials for reference, clarification, and written agreement, before actually entering into a purchase contract.  "No Surprises" is how we approach each purchase agreement.


Eric Straatsma MS
American City Realty
Creating and Protecting Your Wealth