Solo Fortune Advisor
Solo Fortune Advisor

Self-Directed IRA Solutions

Self-Directed IRA SolutionsSelf-Directed IRA SolutionsSelf-Directed IRA Solutions

Helping you take control of your retirement capital

Book a consultation

(317) 721-6630

Self-Directed IRA Solutions

Self-Directed IRA SolutionsSelf-Directed IRA SolutionsSelf-Directed IRA Solutions

Helping you take control of your retirement capital

Book a consultation

(317) 721-6630

What Is a Self-Directed IRA?

 A Self-Directed IRA is a retirement account that gives you control over what you invest in—not just where you hold it. While traditional custodians limit you to stocks and mutual funds, an SDIRA allows alternative investments while maintaining the same tax advantages of a standard IRA. 

 

Common SDIRA Investments Include:

  • Residential & commercial real estate
  • Precious metals (Gold, Silver, etc.) 
  • Private businesses & startups 
  • Private notes & lending 
  • Digital assets (Crypto)
  • Syndications & partnerships 
  • Certain alternative assets (subject to IRS rules)

Traditional vs. Roth Self-Directed IRAs

Traditional Self-Directed IRA (Pre-Tax Strategy)

Roth Self-Directed IRA (Tax-Free Growth Strategy)

Roth Self-Directed IRA (Tax-Free Growth Strategy)

 

Ideal for investors seeking current tax deductions and long-term tax deferral.


Advantages:

  • Contributions may be tax-deductible 
  • Taxes deferred on income and gains 
  • Powerful for real estate cash flow and note income 
  • Strategic planning around future tax brackets
     

Best For:
High-income earners, active investors, and those expecting lower tax rates in retirement.

Roth Self-Directed IRA (Tax-Free Growth Strategy)

Roth Self-Directed IRA (Tax-Free Growth Strategy)

Roth Self-Directed IRA (Tax-Free Growth Strategy)

 

Designed for investors who want tax-free wealth creation.


Advantages:

  • Tax-free growth on investments 
  • Tax-free withdrawals in retirement 
  • No required minimum distributions (RMDs) 
  • Ideal for high-growth assets and long-term appreciation
     

Best For:
Investors focused on real estate appreciation, private equity, and legacy planning.

Who We Work With

Real estate investors

Entrepreneurs & business owners

Entrepreneurs & business owners

 Turn your retirement dollars into real estate—earning rental income and appreciation with tax-deferred or tax-free growth. 

Entrepreneurs & business owners

Entrepreneurs & business owners

Entrepreneurs & business owners

 Put your retirement capital to work in private deals and businesses you understand—without being limited to Wall Street investments. 

High-income professionals

Entrepreneurs & business owners

High-income professionals

 Break past income limits and market-only portfolios by using a SDIRA to build tax-efficient wealth through alternative investments. 

How a Self-Directed IRA Protects Your Assets

Retirement Account Protection

Retirement Account Protection

Retirement Account Protection

 Assets held inside a Self-Directed IRA are owned by the IRA—not you personally—adding a layer of separation from personal liabilities 

Creditor & Lawsuit Shielding

Retirement Account Protection

Retirement Account Protection

 SDIRAs are generally protected from creditors and legal claims under federal law.

Bankruptcy Protection

Retirement Account Protection

Bankruptcy Protection

 SDIRAs typically qualify for federal bankruptcy protection, helping shield retirement assets from personal financial distress. 

Ways to Fund a Self-Directed IRA

 Funding a Self-Directed IRA is often simpler than most investors expect. Depending on your situation, retirement funds can typically be moved into an SDIRA without triggering taxes or penalties when done correctly. 

Move funds from an existing Traditional or Roth IRA directly into a Self-Directed IRA—non-taxable and penalty-free. 

Roll over eligible employer-sponsored retirement plans after separation from service, allowing those funds to be invested in alternative assets through an SDIRA. 

Convert Traditional IRA or pre-tax retirement funds into a Roth SDIRA to position investments for long-term tax-free growth. 

Make new annual contributions (subject to IRS limits) directly into a Traditional or Roth SDIRA. 

Transfer inherited retirement assets into an Inherited Self-Directed IRA to continue tax-advantaged investing under beneficiary rules. 

Turn your retirement account into a strategic wealth-building tool. Book your call today

Book A Consultation

Why CPA-Led SDIRA Setup Matters

 

Self-Directed IRAs offer powerful advantages—but mistakes can be costly. Prohibited transactions, improper funding, or personal use of assets can disqualify the entire account.


Our CPA-led process ensures:


✔ Proper IRA or Roth IRA structuring
✔ IRA LLC (checkbook control) setup when appropriate
✔ Prohibited transaction avoidance
✔ UBIT/UDFI tax analysis
✔ Coordination with custodians and legal documentation
✔ Ongoing consultation as investments evolve


We don’t just help you open an SDIRA—we help you use it correctly.

Let’s design a retirement structure that works for your investment goals—today and long term. 

Book A Consultation

Our Self-Directed IRA Services

SDIRA Consultation & Strategy

  • Traditional vs. Roth analysis 
  • Investment suitability review 
  • Tax impact modeling

SDIRA & IRA LLC Setup

  • Custodian coordination 
  • IRA LLC formation (if applicable) 
  • Operating agreements & compliance guidance

Ongoing Advisory Support

  • Transaction review before execution 
  • Compliance checkups 
  • Tax reporting coordination

Examples of Prohibited Transactions (SDIRA)

Using IRA assets for your personal benefit.


Examples:

  • Living in or vacationing at a property owned by your SDIRA 
  • Using SDIRA funds to pay yourself a salary or management fee 
  • Personally guaranteeing a loan for an SDIRA investment

Your SDIRA cannot transact with certain related parties.


Disqualified persons include:

  • You (the IRA owner) 
  • Your spouse 
  • Parents, grandparents, children, and grandchildren (and their spouses) 
  • Companies owned or controlled by you or the above individuals
     

Examples:

  • Buying a property from your parents using your SDIRA 
  • Selling SDIRA-owned real estate to your child 
  • Lending SDIRA funds to a business you own or control

You may not personally work on or improve an SDIRA investment.


Examples:

  • Performing repairs or renovations on an SDIRA-owned property 
  • Acting as the contractor, property manager, or real estate agent 
  • Personally managing tenants or collecting rent

IRA assets must remain completely separate from personal funds.


Examples:

  • Paying SDIRA expenses with personal cash or credit cards 
  • Depositing SDIRA income into a personal bank account 
  • Mixing personal and IRA funds in the same LLC or account

Using leverage incorrectly can trigger unexpected taxes.


Examples:

  • Using a personally guaranteed loan for an SDIRA investment 
  • Ignoring UDFI tax exposure on leveraged real estate 
  • Structuring debt incorrectly inside an IRA LLC

Using IRA assets outside of permitted retirement rules.


Examples:

  • Taking cash from the SDIRA for personal use 
  • Borrowing money from your SDIRA 
  • Pledging SDIRA assets as collateral for a personal loan

Generate excitement

What's something exciting your business offers? Say it here.

Subscribe

Get 10% off your first purchase when you sign up for our newsletter!

Solo Fortune Advisor

(317) 721-6630

Copyright © 2026 Solo Fortune - All Rights Reserved.

Powered by

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

Accept