For 2018, Use Self-Directed IRAs to Help Diversify Your Portfolio

2018 was a great year for Self-Directed IRA investors and stock market investors alike. A strong economy and the prospect of corporate tax cuts (made a reality by the newly signed Tax Cuts and Jobs Act of 2017) sent both the stock market and alternative asset classes popular among Self-Directed IRA investors soaring.

That is very nice for those who invest by looking in the rear-view mirror. But most people smart enough to use Self-Directed IRAs and other retirement accounts to diversify their retirement assets know that the bigger the returns in the past, the tougher it may be to find acceptable returns in the future.

Veteran investors know: As asset prices increase, so does risk. And with the S&P 5oo gaining 19.42 percent for 2017 – on top of an 11.96 percent return for 2016 – the bull market in stocks has got to be getting a little creaky.

This does not mean we cannot continue to have good returns for a while: It depends on what happens to corporate earnings and whether they are strong enough to support the recent U.S. stock market returns.

Investors should use Self-Directed IRAs and other self-directed retirement accounts as a vehicle to help diversify their assets going into 2018. While there is no shortage of mutual funds and individual securities you can stuff into a conventional, old-fashioned broker-sold IRA, some assets are only available as retirement assets to those who use Self-Directed IRAs. For example:

Direct ownership of gold, silver and platinum bullion and coins.

Direct ownership of real estate.

Closely-held, private C-corporations. This asset class, especially, got a boost from the Tax Cuts and Jobs Act because corporate tax rates applicable to C corporations were significantly reduced, from 35 percent to 21 percent. Since dividends are not tax-deductible expenses for corporations, the previous tax regime punished owners of C corporations who relied on them for income, as the effects of double taxation were truly pernicious. Dividends from C corporations took a 35 percent haircut before they were even distributed to the owner, who must pay taxes on them either on their current income tax return (outside of retirement accounts) or when they withdraw the money from a traditional IRA, 401(k) or other retirement account.

The Tax Cut and Jobs Act does have the effect, though, of lessening the incentive of income-sensitive investors to direct money into REITs and Business Development Companies. This is because the tax benefit of treating these entities as flow-throughs is reduced by about a third, from a 35 percent tax to a 21 percent tax on their C corporation alternatives. It remains to be seen how this may affect capital flows to REITs and BDCs. We expect the impact to be relatively small, though, as the best reason to invest in REITs and BDCs is because of the investment properties of the real estate and microcap/VC-stage asset classes. Most people do not let the tax tail wag the investment dog, as it were.

At any rate, the case for diversification into real estate, precious metals, tax deeds and certificates, partnerships, LLCs, oil and gas investments and pipelines remains strong. A good economy should support a wide variety of asset classes, though it may force the Fed to continue to boost interest rates, which will tend to hurt existing bond portfolios.

How to Lower Retirement Account Fees Using a Self-Directed IRA

The big Wall Street investment firms are very good at maximizing their own profits. Unfortunately, they are not very good at delivering market-beating returns for their own customers. This is part of the reason more people are turning to Self-Directed IRAs and other types of self-directed retirement accounts.

Say ‘No’ to the Assets Under Management Fee

If you are a buy-and-hold investor who does not trade much, and tends to hold onto investments for a long time, assets-under-management fees (AUM) can tear a chunk out of your retirement nest egg over time. If you are a long-term real estate IRA investor or you tend to hold securities for a long time, and you do not need a broker’s advice for all your trades, you may be able to save thousands of dollars by holding IRA assets with a Self-Directed IRA administrator that charges a set fee schedule for individual transactions, rather than an AUM or ‘wrap fee’.

For example, a $500,000 portfolio with a 1.5 percent AUM fee would cost you $7,500 just to keep the account open, even if you never made a trade. That is a lot of money to pay someone to send you a statement every month.

If they are not adding $7,500 worth of value to you each year, you may be better off moving buy and hold assets to an administrator like American IRA, LLC. In many cases, your total fees would be a fraction of that amount.

Consolidate Accounts

It may make sense to consolidate IRAs and previous employers’ 401(k)s by rolling them into a single IRA – Especially if the investment company charges you a monthly statement fee, or if the expense ratios for the funds within an old 401(k) are relatively high.

According to Morningstar data, here are average mutual fund expense ratios as of 2017:

Large-Cap Stock Funds: 1.25%
Mid-Cap Stock Funds: 1.35%
Small-Cap Stock Funds: 1.40%
Foreign Stock Funds: 1.50%
S&P 500 Index Funds: 0.15%
Bond Funds: 0.90%

If your old 401(k) is charging you much above these levels, it may make sense to roll assets over to an IRA or self-directed IRA where you have the flexibility to find assets that have comparable expected returns over time, while charging a much lower expense ratio.

Think of it: In an era where many bonds have yields of 5-6 percent on a good day, it does not make much sense to pay a Wall Street firm 15-20 percent of your yield every year.

Consolidating may also help you qualify for better pricing. For example, some investment companies waive under-minimum fees once you reach a certain threshold with them, or waive their monthly statement fee. You may be able to qualify for a better expense ratio, as well.

Eliminate 12b-1 fees

12b-1 fees are fees an investment company charges every year to pay their fund marketing costs. But they do nothing for you, the investor. These fees can range from 0.25 percent to 1 percent of assets every year. If you are paying 12b-1 fees to your current investment company or IRA custodian, it may make sense to find a better solution.

Manage your own investments

Money managers make a lot of money – at your expense. Expense ratios in mutual funds have been inexcusably high for many years. Especially when lower cost alternatives are available. Funds with high expenses, in the aggregate, have failed to even match the returns of an unmanaged index over time.

That does not mean a good advisor cannot add value: Every year, the DALBAR organization publishes a study that finds investors with professional advisors outperform those that do not, because investors that do not receive professional advice tend to get greedy or fearful at the wrong times, and make poor market timing decisions.

If you are able to be greedy when others are fearful, and fearful when others are greedy, as Warren Buffett likes to put it, you may well be ready to declare independence from Wall Street and manage your own money using a Self-Directed IRA.

Over 70? Don’t Miss Your Self-Directed IRA RMD Deadline

It’s that time of year again: It’s time to take those required minimum distributions from your self-directed IRA or other tax-deferred retirement account. If you made deductible contributions to an IRA, self-directed IRA, SEP, 401(k) or other tax-deferred retirement account, and you are age 70½ or older, you may be required to withdraw some income from your account – and pay income taxes on that income.

The reason: Fairness. When Congress passed the Employee Retirement Income Security Act of 1974, the landmark legislation that led to the rise of the IRA and 401(k) accounts, they wanted to ensure that taxpayers could not defer taxes on their own contributions indefinitely. Taxpayers are allowed to let their accounts accumulate tax deferred until the year after the year in which they turn age 71½. At that time, they must begin taking distributions and pay Uncle Sam his due.

  • For those with SEPs, SIMPLE IRAs, and traditional IRAs, including self-directed IRAs, you have until December 31st to complete your RMDs for 2017.


  • For those who inherited an IRA from someone other than a spouse, you must also complete your RMDs prior to December 31st. This is true regardless of your age.
  • If you turned age 70½ in 2017, you have until April 1st of 2018 to take your first RMD. But you must take a second RMD by the end of next year.
  • If you inherited a non-spousal IRA in 2017, you also have until April 1st of 2018 to take your first RMD.

There are no RMD requirements on Roth IRAs or self-directed Roth IRAs, nor on designated Roth accounts within a 401(k) or self-directed 401(k).

The penalty for failing to take a required minimum distribution is severe: As much as 50 percent of the amount that should have been distributed. So it’s important you stay on top of the RMD requirements.

If you have an RMD to make, contact us right away to start the process.

Self-Directed IRAs and Illiquid Assets

Many self-directed IRA investors have illiquid assets in their retirement accounts. If you are facing an RMD on a tight deadline and you can’t find a willing buyer for your asset at a fair price so you can take out cash, you can also take an in-kind distribution. This simply involves retitling assets out of the IRA and under your name, personally. However, the IRS still needs to put a number to the value of this transaction in order to calculate the taxes due. In some cases, you may need to get an independent valuation of the asset or property that you are distributing to yourself.

Alternatively, you could convert some assets to a Roth – paying taxes now, but securing tax-free growth for as long as you live in the future.

Hardship Distributions From Self-Directed IRAs

Life happens. Many investors have found themselves needing to tap into an IRA because of a short-term financial crunch, purchase a first-time home for themselves or a family member, or fund college costs. Under normal circumstances, withdrawals from both self-directed IRAs and conventional IRAs are subject to a substantial 10 percent excise tax if made prior to age 59½. Congress enacted the painful penalty to ensure that taxpayers would truly treat their IRAs as long-term investment vehicles rather than short-term tax-advantaged playthings.

But they were also realistic: They anticipated that people would occasionally need to access their retirement funds for financial emergencies. They also believed that if they didn’t cut people a break on the 10 percent penalty under some circumstances, or allow access to their money, people would be less likely to actually contribute to IRAs. This would defeat the whole purpose behind IRAs and self-directed IRAs: To help secure a retirement income for the taxpayer and his or her family.

Self-Directed IRA Hardship Withdrawals

The rules for self-directed IRA hardship distributions are the same as those for conventional traditional IRAs. You can access your principal and any growth from deductible contributions by paying income tax on the distribution, but the 10 percent penalty is waived under the following circumstances:

  1. Death.
  2. The disability of the taxpayer.
  3. When the withdrawal is necessary to avoid foreclosure or eviction.
  4. To pay health insurance premiums (if you’ve been unemployed for at least 12 weeks).
  5. To make a down payment on a home for a first-time homebuyer (up to a lifetime limit of  $10,000). For the purposes of administering the rules on IRAs or self-directed IRAs, a first-time homeowner is one who has not owned a home in the previous two years.
  6. To pay for higher education for the IRA owner or a family member.
  7. To pay unreimbursed medical bills (in excess of 10 percent of the taxpayer’s adjusted gross income).
  8. IRS levies against the IRA. If the IRS levies your account to pay unpaid taxes, you won’t be charged a penalty. But you will have to pay income taxes on the amounts they take from a traditional IRA or traditional self-directed IRA.
  9. As part of a series of substantially equal periodic withdrawals. In other words, if you want to retire early, you can begin accessing your IRA penalty-free as long as you commit to taking it out in a steady stream of monthly or annual payouts based on your life expectancy or the combined joint life expectancy of you and your designated beneficiary.

Roth IRAs, including self-directed IRAs, have similar hardship distribution rules. The main difference is that any principal you have contributed and that has remained in the account for at least five years can be withdrawn tax-free and penalty free. The taxes and penalties only apply to the growth attributable to that money, as well as to contributions that have been made within the last five years.

Self-Directed IRA Hardship Withdrawals vs. 401(k)s

From the perspective of flexibility in the event of financial hardships, IRAs are generally superior to 401(k)s, as 401(k)s do not have these hardship exceptions. In fact, some 401(k) plan sponsors do not allow for in-service withdrawals for any reason, or they may make you jump through hoops before you can access your money.

Furthermore, your plan administrator will automatically withhold 20 percent of the amount you withdraw from a 401(k) and forward it to the IRS against taxes. However, if you have penalties to pay, you will have to pay income taxes on the entire amount withdrawn, even for the amounts you never receive because they’ve been forwarded to the IRS.

For this reason, if you have a 401(k) from a former employer, and you anticipate the need to make a hardship withdrawal in the future, or if you just want much more flexibility on what you can invest it in and to reduce the amounts you pay in fees, it may well make sense to roll your 401(k) over to an IRA with American IRA, LLC.

What’s Popular Isn’t Always Most Effective: Why You Need a Self-Directed IRA

Famous investment guru Benjamin Graham once said: “You are neither right nor wrong because the crowd disagrees with you. You are right because your data and reasoning are right.” If someone were to ask you what the most popular way to fund retirement was, you would probably hear some version of the same response: find a wealth manager, use retirement accounts, and keep saving. And that is great. For some people, it is very effective. But what if there are tweaks along the way that could potentially boost your ROI in significant amounts, further bolstering your chances at a fully-funded retirement? The Self-Directed IRA is one such path.

Unfortunately, a recent article in—while offering plenty of insight about retirement—did not spend any of its time talking about the Self-Directed IRA. And while they talked about the five most popular ways to finance retirement, it is important to remember one basic fact: effectiveness and popularity are two different things entirely.

Why a Self-Directed IRA Makes Sense

The first item on the list at makes a lot of sense: taking advantage of retirement accounts to maximize investment growth. Putting aside money in this fashion allows investors all over the country to build wealth easily and passively. The article went into detail about the types of accounts—including SEP-IRAs—but never addressed what happens when an investor self-directs their own retirement.

A Self-Directed IRA is just that: an account that you control. And while the second item on the list at addresses real estate, there is little time spent pointing out that it is possible to hold real estate within a Self-Directed IRA account. Given that real estate is one of the most powerful ways to generate returns on investment, it is clear that what is “popular” is not always the total picture.

Understanding the Self-Directed IRA Landscape

Why is Self-Direction so powerful? It not only helps investors avoid the often-expensive management fees associated with money managers, but it allows investors to tap into those investments they would otherwise make through general accounts. For example, if an investor is strong in real estate, they would typically make the investment using the simple, routine processes of real estate investing. But with a Self-Directed IRA, they can hold real estate within a retirement account.

This does mean that there are some important regulations to keep track of. One cannot simply purchase a home and live in it through a Self-Directed IRA—the IRS prohibits these kinds of investments from being used within a retirement account. A Self-Directed IRA is considered a separate entity from the investor, which means that the property itself will also have to remain separate.

There are other options, such as investing in precious metals.  This opens up the possibilities of a more diversified investment portfolio. See our section on Investing to find out what these are.

Popularity vs. Effectiveness in Retirement Planning

There is nothing wrong with a strategy being popular. The concept of buying and holding mutual funds in an IRA is popular because it is effective, it works. Over the long-term, this can generate amazing returns for investors who have the patience to withstand challenging market conditions.

But that does not mean that what is popular is also the end of the available options, especially in the world of retirement investing. There is more to consider. There are other advantages investors can use. There are different asset classes that can potentially bring wealth to investors who understand them well. It is vital for investors to broaden their horizons so they know each and every potential advantage they can use on the path to financial independence in retirement age.

Want more information about Self-Directed IRAs? Visit our section on Self-Directed IRA accounts or call American IRA at 866-7500-IRA.

An IRA-Owned LLC Offers Checkbook Control – But Is it Right for Me?

When ordinary investors hear phrases like “IRA-owned LLC” and “checkbook control,” they tend to zone out. After all, these concepts sound a little wonky—a little too complicated for something as simple as a long-term retirement plan. But while this type of setup might sound like a lot of work, the truth is that a Self-Directed IRA can be a powerful and, yes, simple plan to help you maximize the results you get from your retirement investments.

But there’s another question that needs to be answered here, and you’ll rarely find it addressed in any articles about IRA-owned LLCs. Is this arrangement right for you? Here’s what you’ll need to know.

Defining the Self-Directed IRA Owned LLC with Checkbook Control

The concept of the Self-Directed IRA is simple: these are like any other retirement accounts, except you’re in charge. You’re not outsourcing investing to someone else or even necessarily investing in stocks. Rather, when you’re in control, you can make IRS-approved investments such as real estate and precious metals, provided you meet the requirements.

One potential avenue of investing is the LLC, or Limited Liability Company. This business structure can be a great way to shelter your assets from potential issues such as litigation—without requiring that you sacrifice the kind of control you would expect over your own retirement plans.

So what exactly does “checkbook control” entail? It means that you’ll have the power of buying and selling within your IRA—the power of the checkbook. This can have advantages and disadvantages, including:

  • Checkbook control means you’re in charge of avoiding IRS penalties. When working with an IRA custodian, these custodians can help make sure that you adhere to all tax requirements. When you have more control, you also have more risk.
  • Checkbook control requires being proactive. If you enjoy the responsibility of seeking out experts including lawyers and tax professionals—great. If not, then you might want to think about working with a Self-Directed IRA custodian instead.

How to Get Started in Atlanta with a “Checkbook IRA”

The so-called “Checkbook IRA” can be of tremendous benefit for those in Atlanta or in the surrounding areas. Not only is Atlanta’s local real estate market a tremendous opportunity for those who live there, but the same investments can perform well within an IRA with checkbook control. That means that it’s possible to make investments in real estate for retirement while still retaining the kind of control you would normally enjoy in other arrangements.

Why Atlanta? As local station WSB-TV recently reported, the current market looks similar to previous housing booms, especially with higher prices than there were in the housing boom of the early 2000s. That could represent a prime opportunity.

Real estate also functions as a way to hedge against inflation. Inflation should be a concern for any investor—after all, it’s vital that your retirement dollar old on to its value. By holding real estate, you move money out of dollars and into real property. That real property then can go up in value, which in turn helps you hold on to the initial investment.

With a Self-Directed IRA owned LLC and checkbook control, you’ll have plenty of options for seeking out opportunities in the Atlanta area. That means that you don’t have to depend on other markets or even look into moving to make retirement happen just where you are. And that’s at the core of Self-Directing: making your own destiny when it comes to your retirement investments.

However, checkbook control also means that you can give yourself too much responsibility in too big of a hurry. What’s right for you? Keep reading. For more information on these “checkbook power” arrangements, keep checking out our website. You can also call American IRA with your retirement inquiries by calling 866-7500-IRA or visiting more of our information right here at

Affected by Hurricane Damage? You May Be Able to Tap Your Self-Directed IRA or 401(k)

If you are undergoing financial hardship because of damage from one of this years’ devastating hurricanes, Congress just cut you some slack: People affected by Hurricanes Maria, Harvey or Irma may make an emergency hardship withdrawal from their retirement plans, including self-directed IRAs, without having to pay the usual 10 percent excise tax on early withdrawals.

Withdrawals from traditional tax-deferred IRAs and self-directed IRAs are normally assessed a 10 percent excise tax if the account owner is younger than age 59½, unless some specific ‘hardship’ circumstances apply.

Also, the six-month moratorium on new contributions normally imposed on those who take hardship withdrawals will not apply for taxpayers who take hurricane-related hardship withdrawals.

The relaxed rules may benefit IRA accountholders who live in one of the areas designated by the Federal Emergency Management Authority as an eligible disaster area. You can find FEMA’s list of qualifying localities. To qualify for the benefit, you must make any withdrawals by January 31, 2018.

Tapping Your Self-directed 401(k)

The waiver of the 10 percent excise tax for early distributions has also been waived for 401(k) plans, including self-directed 401(k) plans. Normally in order for you to make an in-service withdrawal from an employer-sponsored plan like a 401(k), the plan’s documents must allow them. However, the IRS is now allowing plan sponsors to release 401(k) assets to those experiencing hurricane-related hardships even if plan documents have not yet been formally updated to allow for withdrawals.

401(k)s and self-directed 401(k)s allow for a lower early distribution cutoff: Those who have left the service of a company may begin taking early withdrawals penalty free at age 55, as opposed to age 59½ for individual retirement arrangements (IRAs).

401(k) Loans

In some circumstances, you may be able to take a loan from a 401(k) or self-directed 401(k). However, your plan must allow for 401(k) loans. If you do take out a loan, you will not have to pay the 10 percent early distribution penalty or income taxes, provided you pay the loan back to your 401(k) within five years. After five years, any outstanding loan balance may be deemed a taxable distribution and you may owe taxes and penalties.

Note: In-service hardship distributions are generally not permitted from pension plans or from accounts holding qualified non-elective contributions (“QNECs”) described in § 401(m)(4)(C) or qualified matching contributions (“QMACs”) described in § 401(k)(3)(D)(ii)(I). However, you may be able to withdraw assets in these plans attributable to a rollover. Amounts in these plans attributed to a rollover from an IRA may be withdrawn at any time.

Furthermore, the IRS also allows you to take out a hardship distribution or loan from a retirement plan and send the proceeds to assist a family member financially affected by one or more of this year’s devastating hurricanes.

Real Estate IRA -Tips and Strategies for Getting the Most Out of Yours

If you want to get the most out of your retirement, we have three words for your: knowledge is power. No, we’re not talking about any sort of “inside” knowledge when it comes to investing, or any sort of illegal trips and tricks. We’re talking about real investing knowledge: knowledge about the different types of accounts and investments you have available to you, and how to use those accounts and investments to the best of your ability. And one of the most important things for people to learn is how to use their Real Estate IRA in the best way possible.

Why a Real Estate IRA? Because self-directing this type of IRA allows you to utilize some amazing things that you simply can’t get when you invest in other types of accounts and asset classes. With real estate, you’ll be able to tap into your experience with this asset class…and possibly even get a lot of value out of it if this is your first foray into the world of real estate. How is that possible? Well, knowledge is power. Here are some tips and strategies for getting the most out of your Real Estate IRA.

Know Your Real Estate IRA Options

It starts with knowing your options. You can check out our Real Estate IRA tips and advice for greater detail, but here are some of the things that most beginning investors don’t know about this type of IRA:

  • Selling property within a Real Estate IRA means that you won’t have to worry about capital gains taxes. Since this is a major issue for anyone dealing with a lot of real estate, it’s important to know that this is an option if you want to invest in real estate for retirement.
  • When owning real estate within a Roth IRA, you can collect rental income tax-free. This gives you a major leg-up and helps you maximize your returns.
  • You can borrow money within a Real Estate IRA in order to purchase real estate. This happens through non-recourse loans; non-recourse loans allow you a certain amount of protection for your other assets.
  • In using a Real Estate IRA, a property manager will collect rent and handles expenses, allowing you to collect the profit with barely living a finger.

Using a Real Estate IRA in the right way for your goals means knowing these options available to you, knowing how the IRA works, and the specific strategies above that investors use to maximize their gains.

Know the Rules

Of course, a Real Estate IRA is not a license to do anything you want with the real estate. There are rules, such as the fact that you won’t be able to live in the real estate while you invest in it. This prevents people from using their own home in a Real Estate IRA for any tax benefits. And you’ll want to remember that your IRA will be the owner of the property, which is important for tax purposes.

Are you interested in using a Real Estate IRA—or even simply learning more about how the process works? If so, be in touch with us. You can browse the link above, continue to read our blog articles here at, or you can get in touch with us directly by calling 1-866-7500-IRA. We’ll be glad to talk to you and help you understand what Self-Directed IRAs are and how they work. After all, knowledge is power—especially when it comes to making sure that you have a retirement plan you can be proud of.

Finding the Next Facebook: Self-Directed IRA Investment Tips from Peter Thiel

It’s not well understood in the consumer financial media, but Self-Directed IRA and 401(k) money has long been a valuable source of investment capital for successful startup and VC-stage companies. And, yes, for quite a few unsuccessful ones, too! But the successes historically have been sufficiently successful to more than make up for the companies that don’t work out.

Some prominent examples of successful private equity/venture capital placements that involved a  Self-Directed IRA include Facebook and Yelp, which both received significant early-stage funding by PayPal founder Peter Thiel and Max R. Levchin, respectively.

Both were overwhelmingly successful plays made by experienced venture capitalists using their IRA money.

However, when you self-direct your IRA investments, you are your own head of due diligence. While you can delegate certain tasks to finance, investment and tax experts, ultimately you are the quarterback. You can delegate taskings but not overall responsibility.

Peter Thiel has spoken publicly on due diligence best practices that apply directly to Self-Directed IRA investors. Here are some highlights from his own experiences:

  • He gets the best results from his larger investments. These are companies where he came into the investment with a lot of conviction, and was willing to commit enough money to make a real difference. Have the courage of your convictions.
  • Don’t get involved in “pooling” arrangements, in which you combine money with a bunch of other VC investors and take a small position in a bunch of investment opportunities. Why? People in pools sometimes get lazy about their due diligence, assuming that everyone else in the pool is doing it for them.
  • Beware of buzzwords. If a startup is part of a trend that already has its own buzzword, just say ‘no.’
  • A great startup will have a monopoly that can generate cash flows many years into the future.
  • Understand the “moat. “If you want to capture lasting value, don’t build an undifferentiated commodity business,” Thiel advises.
  • There’s nothing so good it doesn’t have to be sold. A great product or service isn’t enough. A business should have a plan for getting the word out – and management with a proven track record of doing just that.

You can see a full discussion with Peter Thiel here (beginning at 2:27 and following). You can also read more about Thiel’s due diligence and screening process here. And if you want even more, check out his book, Zero to One: Notes on Startups or How to Build the Future.

If you are interested in using a portion of your retirement money to invest in an early stage company – be it a start-up, a venture capital opportunity, private equity or mezzanine finance opportunity – we want to work with you. Our unique transactional fee structure is perfect for investors who measure their holding period in years, who are risk tolerant and patient, and who take substantial positions in investments.

With offices in Asheville and Charlotte, North Carolina, American IRA, LLC is a leading administrator for Self-Directed IRAs and 401(k)s. Our services are for investors anywhere in the United States who see the value in thinking and investing “outside the box.”

For a no-obligation consultation or for more information, call us today at 866-7500-IRA(472). Or visit us at

We look forward to working with you.