What you should know about a SEP IRA
A SEP IRA can be a great option for investors that are self-employed or run their own business. Think of it as an IRA on steroids for small business owners. SEPs are a low-cost retirement option that...
View ArticleFive Misunderstood IRA Rules
Though self-directed IRAs (SD IRAs) are gaining more attention from savvy investors, there is still some confusion surrounding SD IRAs and how they can provide more investment diversification....
View ArticleThree Ways an IRA can Invest in Real Estate
With the popularity of real estate IRAs trending, you may have wondered how it’s possible to use your IRA when investing in real estate. Given the current IRS annual limits on making IRA contributions,...
View ArticleFour Reasons Why It’s Important to Name an IRA Beneficiary
Who should be the beneficiary of your IRA? The simple answer to this question is the person or entity to whom you wish to leave your IRA assets. However, it’s important to give careful consideration to...
View ArticleUnderstanding the Impact of Beneficiary Designations and IRA Rules
Beneficiary designations are a crucial step when it comes to smart estate planning. Naming a primary beneficiary on your IRA is often considered the most important designation, as this party would be...
View Article10 Things to Know About Traditional IRAs
Traditional IRAs are the oldest and most flexible type of individual retirement account (IRA). Available since 1975, Traditional IRAs now hold $7.85 trillion dollars, which is about 85% of all IRA...
View ArticleFive Things You May Not Know About Roth IRAs
If you are interested in diversifying the tax character of your retirement savings, you can create tax-free retirement income through a Roth IRA. Positioning your savings for tax-free distributions can...
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8 Rules To Know About Simple IRAs
With a STRATA Trust SIMPLE IRA, you receive benefits of an employer-sponsored plan yet retain the investment freedom and control of a self-directed IRA. SIMPLE IRAs are only available to employees of...
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Plan Ahead for Taking Required Distributions from Your Traditional IRA
Deferring the tax on your retirement savings is a key benefit of saving in a self-directed Traditional IRA – until you reach age 70½. Once you reach this age, the IRA tax laws require that you begin...
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Why Angel Investors Should Invest Through an Alternative Asset IRA
Ever wonder how people like former presidential candidate Mitt Romney and PayPal co-founder Max Levchin amassed such wealth early on? They both had the foresight to use their IRA’s to make some of...
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Advisors Play a Critical Role in RMD Planning
As a financial advisor, you are probably aware that self-directed Traditional IRA owners must begin taking required minimum distributions (RMDs) when they reach age 70½. But some of your clients may...
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IRA Contribution Limits Increase
Each year in October, the IRS announces the cost-of-living adjustments (COLAs) that will apply to retirement savings plans for the following calendar year. This chart provides the IRA limits for 2019...
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How to Make The Most of Your Rollover
If you participated in a former employer’s retirement plan, you don’t have to leave your retirement savings with your former employer, you can take it with you. You can either request a distribution...
View ArticleTax-Free Charitable Donations From Your IRA
With the tax reform changes that became effective in 2018, fewer taxpayers will be itemizing deductions on their federal income tax returns – which means fewer taxpayers will be taking a tax deduction...
View ArticleSTRATA Trust Company Names Melissa Briske as Head of Marketing
Marketing veteran Melissa Briske joins the STRATA Trust Company team. Briske will serve as the Head of Marketing for STRATA Trust Company to champion the development of STRATA’s marketing strategy for...
View Article8 YEAR-END CONSIDERATIONS FOR IRA OWNERS
It’s hard to believe that calendar year 2018 is almost over and soon it will be 2019. Year-end can be a hectic time with work deadlines and holiday hassles. But you can start the new year confident...
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Naming a Trust as IRA Beneficiary
Trusts are used to accomplish a variety of objectives in estate planning and retirement income strategies. There are different kinds of trusts and many ways to use trusts. Most individuals will require...
View Article2019 Fee Increase Notice
STRATA Trust Company (“STRATA”) has worked to minimize price increases for its self-directed IRA custodial services. However, in recent years, STRATA has experienced an increase in the cost of doing...
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2018-2019 IRA CONTRIBUTIONS, LIMITS AND HOW-TOs
If you’re considering making an IRA contribution for 2018 or 2019, here are some important tips to keep in mind. LIMITS For individuals under the age of 50, the maximum contribution limit for 2018 is...
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Important 2019 Deadlines for IRAs
JANUARY 31 STRATA will mail your Form 1099-R if you received an IRA distribution or completed a Roth conversion in 2018. APRIL 12 If you are a Traditional IRA account owner and turned 70½ last year,...
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