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John Paul Ruiz, QKA, CISP

John Paul Ruiz, QKA, CISP

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4 Frequently Asked Questions about Self-Directed IRA Distributions

John Paul Ruiz, QKA, CISP

Estimated reading time: 3 minutes 30 seconds

There are many self-directed IRA questions surrounding required minimum distributions (RMDs). The deadline for RMDs, or to establish separate accounts for beneficiaries of IRA holders who passed away in 2014 is December 31st, 2015. This article discusses four frequently asked questions about distributions. Keep in mind that these rules do not apply to self-directed Roth IRAs, as you will never be required to make distributions from a Roth account. The following rules apply to traditional, SEP, and SIMPLE IRAs.

Topics: Basics of Self-Directed IRAs, Distributions, Self-Directed IRA Plans
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Selecting the IRA Plan That Works Best For You

John Paul Ruiz, QKA, CISP

Estimated reading time: 3 minutes

“Which IRA is best for me?” is a common question taxpayers ask when determining which IRA to set up. Most people have two choices: Traditional IRAs and Roth IRAs. (Small business owners and people who are self-employed can open SIMPLE or SEP IRAs as well.) The best IRA to pay into will be determined by your tax situation, your goals, and your objectives for retirement.

Topics: Self-Directed IRA Plans
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What Investors Need to Know About Unrelated Business Income Tax (UBIT)

John Paul Ruiz, QKA, CISP

Estimated reading time: 2 minutes

Unrelated Business Income Tax (UBIT) was created by the congress to level the playing field for businesses established under the umbrella of a tax-exempt entity, not to have a competitive advantage over other businesses outside of a retirement plan. UBIT income comes from a trade or business, regularly carried on (showing frequency and continuity), that is not substantially related to the purpose of a retirement account. Both should shoulder their tax responsibility. In this article, we provide further information on the topic of UBIT:

Topics: Financial
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Understanding Stocks as a Retirement Investment Vehicle

John Paul Ruiz, QKA, CISP

Estimated reading time: 3 minutes

Many investors choose to diversify their portfolio and invest in numerous types of investments to mitigate risk. While mitigating risk is the main objective, there are some investors who choose to invest a portion of their investment portfolio in companies (and stocks) that have a larger potential for high returns. Knowing methods of how companies raise capital for growth and/or operational continuance gives investors knowledge into the different types of investments made available through companies. 

Let's take a look at the different types of stocks available for investors:

Topics: Financial
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How to Leave a Legacy With Your Retirement Plan

John Paul Ruiz, QKA, CISP

Estimated reading time: 4 minutes

Many people wonder if they have enough in their retirement savings plans to sustain themselves during retirement. On the other hand, some people have more than enough. Beneficiaries of these retirement plan accounts need to be aware of their options and election deadlines to avoid penalties and unintended tax consequences.

Topics: Basics of Self-Directed IRAs
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