Media Library

By Carl Fischer As an administrator for CamaPlan Self Directed IRA, I’ve heard people complain that they have lost up to 50% of their retirement plans. Some of these people are now happy that they have some of it back. If you are happy with “hope”as a strategy then you have no need to read further. This article is…

By Steve Venuti In many parts of the country real estate prices are still declining. If you have investment property that you have owned for a long time, typically there will be large capital gain, not only from appreciation, but also from recapture of depreciation. Perhaps this property is located in one of these declining…

By Carl Fischer The following is a summary of the top reasons people want Roth IRAs. Tax Free income for life–All earnings in a Roth IRA are tax free with qualified withdrawals. Roth contributions can be withdrawn at anytime, at any age without any penalty or taxation. You can continue to contribute to a Roth…

By Maggie Polisano 1. $3,000 turned into $53,000 –Selling a real estate contract for $50K Reviewing the different client investments at the conclusion of the year I was able to identify 2 excellent uses of the “truly” self-directed IRA’s.  Kate, a mother of five and a real estate agent in New Jersey, was able to grow her Roth…

By Carl Fischer The “Truly” self directed IRA, 401K or Other Qualified plan allows you to: Truly diversify your investment portfolio with investments you really know and understand, Make any investment tax-free or tax deferred, and Be in control of your financial future – Diversify your portfolio is the number one rule of all financial advisors. It adds a whole…

By Carl Fischer Control — you can use the HSA to pay for any qualified medical expense, as defined by the IRS.  There’s no need for preauthorization of services, unless explicitly stated by the plan. No Use-it-or-lose-it — Unlike Flexible Spending Plans, unused HSA dollars remain in the HSA and continue to earn interest. Flexibility — “Health Care” dollars…

A Case Study: The Discounted Notes with Participations In this time of economic uncertainty, one of the excellent opportunities in real estate is purchasing discounted notes. This is particularly attractive when you use tax-deferred funds in your IRA or other retirement plan. The payment stream comes into your IRA and in the final analysis, on…

By Carl Fischer Sam and Barb both work, have two girls 7 and 9, own their home worth $225,000 and have a mortgage on their primary residence owing approximately $130,000.  Between them both they had 12 credit cards with a total balance of $50,000 at an average interest rate of 25%.  The credit cards started out with…

Many people are under the mistaken impression that a Roth IRA is the only type of self-directed account from which tax free distributions can be taken. By H. Quincy Long Many people are under the mistaken impression that a Roth IRA is the only type of self-directed account from which tax free distributions can be…

The Roommates Joe and Mary are married and each of them has an IRA. They decided that a single family rental property would fit into their retirement portfolio. They both had enough money to make the purchase individually, but they decided that they would like to have income for both IRAs at the same time….