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Pay Less Tax Legally, Morally, & Ethically!

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.”


Option #1



Step 1) Open your Quest Trust Company Account. Select the type of account you would like to open and mail/fax/email your completed paperwork to our office. Your account will be open in 24-48 hours once we have received the paperwork.

Step 2) Fund your Quest Trust Company account. IRAs can be funded via rollover, transfer, or contribution.

Step 3: Locate your Investment. Quest Trust Company allows you the freedom of selecting the investment of your choice. However, there are a few investments that are not allowed by the IRS. 


Step 4) Complete Investment paperwork. In order for Quest Trust Company to process your investment there are a few things we will need:

  • Completed Direction of Investment Form

  • Documents related to the investment, these must be titled correctly to avoid any delays. Correct titling is: Quest Trust Company FBO (Your Name) IRA (your account number)

Step 5) Once Quest Trust Company has received completed paperwork we will process your Direction of Investment and send funds as requested on the form. Normal processing time is within 24-48 hours.

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Option #2


The Ultimate Checkbook IRA with Broad Financial

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 of 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.

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Option #3


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 self-directed retirement accounts by investing in what you know.

Once you have opened and funded your Equity Trust self-directed 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

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We have experience with using the these three companies as tools to fund Real Estate Investment Deals. We recommend any of these three companies as they all have excellent customer service and will help you get started as soon as you are ready.

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 @ (608) 306-1199 to go over all the details. 

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