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Over the last few years I have become passionate about wealth creation and using all the legal means at my disposal to reduce tax burden. This is a major distinction in growing net worth and reducing the outflow of capital.


Using your IRA to self-direct your investments can be a crucial tool in reducing your tax burden. If you invest from a regular IRA you delay your tax burden until you withdraw the money in retirement. Investing from your Roth IRA you have already paid the tax. When you put your investment capital into the Roth IRA, this is great news, because the growth of the capital is TAX-FREE FOREVER. This becomes a huge advantage in retirement because it is almost impossible to predict where the tax rate will be in future years. Likewise, in retirement most have given up their main source of income and are dependent on the income coming from investments. No taxes earned on investment coming from a Roth IRA becomes “priceless.”


Invest in real estate using a Self-Directed Account through Equity Trust.

Self-directed retirement accounts offer the ability to invest in several non-traditional assets. Equity Trust allows you to take advantage of the potential wealth-creating benefits of selfdirected retirement accounts by investing in what you know. Once you have opened and funded your Equity Trust selfdirected account (, these are the steps to making an investment using your account:

1. Find an Individual or Entity Interested in Borrowing Money

  • Make sure you are not lending to a disqualified person

2. Request Funds and Direct Your Investment

  • Complete and submit the Promissory Note Direction of Investment Form, which can be found on the online account management system myEQUITY

  • Send supporting documentation

  • The note must be properly titled to your account. The correct titling is: Equity Trust Company Custodian FBO [Account name IRA, Roth IRA, etc.]

3. Equity Trust Processes Your Investment Direction and Remits Money to Borrower as Directed

  • Send original promissory note and security document to Equity Trust for safekeeping

4. Manage the Investment within Your IRA

  • You must always remain at arm’s length from your IRA investment and avoid prohibited transactions. Consult with your tax attorney or financial professional or reference IRS Publication 590.

5. Act on Your Exit Strategy and Plan Your Next Steps

Here’s how it works with an Equity Trust Self-Directed Account:


Almost every investor possesses a 401(k), Traditional IRA and/or Roth IRA. There’s no required minimum initial investment. You can open an account, and fund it with monthly contributions, including payroll contributions, and it’s just about the easiest diversified investment opportunity available. But have you heard about the most robust investing platform, including no-fee transactions and real time investing yet?

With the Ultimate Checkbook IRA, you can buy real estate with your IRA, and you can do so without the hassle or crushing fees. It works through the creation of an LLC. When you sign up with a company like Broad Financial, they will set up an LLC for your self-directed IRA, which will then allow you to open a checking account at your local bank. This checking account is under the control of just one person: you. That means that there is no middleman to go through in order to access your retirement funds. If you want to buy real estate with your IRA, just write a check to the seller. If you want to buy supplies for renovations, just write a check at your local hardware store. If you want to pay a contractor for repairs, just write him/her a check. Having access to your self-directed IRA via a checking account allows you to effectively cut out the fees and the aggravation of third-party processing. A self-directed IRA with Checkbook Control allows you to easily buy investment properties, such as foreclosures, multi-families, and undeveloped land. The only two assets that may not be purchased are life insurance policies and collectibles. So, to answer the question, “Can I buy real estate with my IRA?” the answer is most definitely, “Yes.” Just make sure you do it with Checkbook Control.

Here’s how it works with a Broad Financial Checkbook IRA:


We have experience with using the Checkbook IRA as a tool to fund Real Estate Investment Deals. We recommend the company “Broad Financial” to open your Ultimate Checkbook IRA as they have excellent customer service and will help you open your checkbook IRA for a very low, flat fee.

As a matter of fact, depending upon your portfolio you may find that this is the best tax climate you will ever have. Rolling your regular IRA into a Roth IRA, and paying the tax now, may be your best opportunity to get a great tax rate.

If you have any questions about this process, feel free to call me on my cell @ (608) 306-1199 to go over all the details.


There is a great book on tax reduction for retirement called The Power of Zero, call me on my cell and I’ll buy it for you!

Thanks for reading! — Joshua Dudgeon

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