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Self-Directed IRA Blog, Education, and News

Investor blog on self-directed IRAs, real estate IRAs, investment options, and retirement news from industry experts.

John Paul Ruiz, QKA, CISP

John Paul Ruiz, QKA, CISP Posts

There's More to the Roth IRA Than Meets the Eye

There's More to the Roth IRA Than Meets the Eye

Estimated reading time: 4 minutes Before making an IRA contribution the major question many individuals have during tax ...
The 4 Stages of Saving for Retirement and How to Prepare for Them 

The 4 Stages of Saving for Retirement and How to Prepare for Them 

Estimated reading time: 5 minutes Many people don’t think about saving for retirement until the day they realize it is ...
How Self-Directed IRA Conversions and Recharacterizations Actually Work

How Self-Directed IRA Conversions and Recharacterizations Actually Work

Estimated reading time: 3 minutes With tax payers having a better understanding of the Roth IRA and its tax-free ...
Why You Shouldn't Overlook Your Beneficiary Designation

Why You Shouldn't Overlook Your Beneficiary Designation

Estimated reading time: 2 minutes 20 seconds In my career as a retirement professional, I believe that the IRA ...
3 Key Benefits of Asset Portfolio Diversification

3 Key Benefits of Asset Portfolio Diversification

Estimated reading time: 2 minutes 20 seconds I have often heard the phrase “don’t put your eggs in one basket”.  ...
What 20 Years in the Retirement Industry Has Taught Me

What 20 Years in the Retirement Industry Has Taught Me

Estimated reading time: 2 minutes After being a retirement consultant in the financial services industry for over 20 ...
Establish and Contribute to SEP or SIMPLE IRAs in September

Establish and Contribute to SEP or SIMPLE IRAs in September

September and October are significant months for small business owners who make employer contributions to retirement ...
When Is it Time to Establish and Contribute to a Small Business Retirement Plan?

When Is it Time to Establish and Contribute to a Small Business Retirement Plan?

There are three retirement plans that allow small businesses to use contributions as a tax deduction by the employer: ...
Frequently Asked Questions About IRA Rollovers

Frequently Asked Questions About IRA Rollovers

In 2014, Americans held $7.4 trillion in their IRAs. A good portion of that came from rolling over money from ...