Navigating the Guardrails
Self-Directed IRAs give investors more control, but that control comes with important rules around disqualified persons and prohibited transactions.
Disqualified persons generally include you, your spouse, parents, grandparents, children, grandchildren, spouses of lineal descendants, certain owned or controlled entities, and service providers to the retirement account.
The key principle is that the IRA must remain separate from your personal benefit today, so you cannot use IRA assets to help yourself or certain related parties outside the account.
That also means you should not personally provide services to IRA-owned assets, including accounting, property management, realtor services, repairs, or sweat equity.
Partnering can be possible, but the structure matters, especially when a disqualified person or entity is involved.
Before entering a deal, investors should think through ownership percentages, funding needs, reserves, leverage, and whether the IRA has enough flexibility to handle future costs.
The safest approach is to ask questions before money moves, identify potential red flags early, and work with qualified legal or tax advisors when needed.
American IRA’s role is to help investors understand the process, recognize where the guardrails are, and move forward with more clarity and confidence.
What You’ll Learn
Actionable insights you can apply to your self-directed IRA strategy.
Protect Your IRA: Avoid Costly Prohibited Transactions
Learn to recognize the invisible boundaries that can put your retirement assets at risk and how to keep your account safely separated from personal benefit. This session covers the mindset and warning signals that help you steer clear of compliance pitfalls before they become problems.
Structure Partnerships: Build Compliant Deals That Keep Options Open
Explore how intentional ownership and timing choices shape control, funding flexibility, and long-term opportunity without sacrificing compliance. Walk away with a high-level playbook for designing partnerships that withstand scrutiny and preserve future options.
Plan Funding and Risk: Secure Your IRA’s Long-Term Viability
Dive into frameworks for assessing funding sources, reserve needs, and leverage so your investments remain resilient over time. Expect practical, anticipatory strategies that protect the account when partners’ resources or market conditions shift.
Kyle Moody
Kyle Moody is the Business Development Manager at American IRA, where he plays a crucial role in accelerating the firm’s growth. His focus includes driving individual account openings, fostering strong relationships within both community and professional networks, and expanding referral channels. With over 8 years of experience at American IRA, Kyle has successfully established key partnerships with leading investment groups. He is passionate about educating investors on the advantages of self-directed IRAs, empowering them to maximize their retirement potential through alternative investments.
Kyle’s extensive expertise allows him to offer valuable insights into the multifaceted world of investing, particularly real estate. He attends numerous Real Estate Investors Association (REIA) meetings across the Carolinas as a corporate sponsor and even holds an executive board position with his local REIA. Kyle frequently delivers self-directed education on the regional and national levels at events such as REWBCON, CPA symposiums, trust forums, and real estate conferences.
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Seats are limited. Register now to reserve your spot and receive the recording after the live session.