Here’s The NEW WAY To Unlock The Explosive Power Hidden In Your IRA And 401(k) Money To Build A Better Future.
…Even if you have no idea what investments
you should buy in these weird times!
This letter is about a completely different approach to taking control of your IRA and 401(k) money that eliminates the need to “pick the winning horse” in our unpredictable economy, eliminates the need to spend hundreds of hours “due diligence-ing” investment deals, eliminates the need to make things complicated and messy, and quite frankly …just may work better than anything you’ve ever seen.
“Is It IMMORAL To Access Your Money So Easily?”
I almost fell out of my chair when he asked me that.
The guy was an executive for a Self-Directed IRA custodian company and his job was to sell horribly limiting custodian accounts to naive investors who didn’t know any better.
We were talking shop and after a great deal of prodding from him, I’d finally showed him under the hood of the my IRA/401k system that he was sent to investigate.
This system had already “unlocked” hundreds of millions of dollars of people’s IRA/401k money, and the cost of using it was peanuts compared to what he was charging his poor clients.
Here he was charging millions of dollars every year to investors who rarely (if ever) saw the kind of IRA/401k results they hoped for …and my little homespun creation had rendered his entire corporation (and dozens just like it) completely obsolete.
He was shocked, flabbergasted, skeptical, and desperate to know more.
It Started With A Discovery
I Made Eight Years Ago
I was 24 years old, and was looking at early retirement because I’d just finished selling all my investment properties I’d worked hard to acquire. I saw the real estate bubble burst coming and took action to avoid getting slaughtered.
I was in a great place financially, but the road that got me there was completely crazy!
Peeking behind the curtain of the investment industry showed me just how crazy and full of liars it really was. They thrived on an uninformed public.
I found out that most people don’t even know what an IRA is capable of doing… not the financial planners, bankers, real estate agents, gold brokers, or even the IRA custodians.
They were all so busy focusing on their own success, nobody ever bothered to piece all their information together and ask “how can this benefit the investor?”
You’ll never believe how much this can cost you—and how much money you can save and put right into your pocket by kicking out the greedy sharks currently frenzy-feeding on your IRA and 401(k) accounts out back—while a salesman in a suit out front distracts you with glossy brochures, statements, reports, charts, news channels and ANYTHING to keep you from peeking around back to see what’s really happening to your 401k/IRAs.
“Um, sir, you can’t go
through that door.”
Well I say, c’mon let’s have a look.
First off, I’ve got to point out that the giant, nasty lie plaguing almost all IRA/401k money.
“Invest with us. We’ll beat the market.”
That’s the idea behind the family of mutual funds any particular IRA or 401k is tied down to.
By buying a mutual fund you’re buying into the hopes that the fund manager will have stock-picking abilities better than yours. The only problem…
A whopping 96% of actively managed mutual funds fail to beat the market over any sustained period of time!
There are 7,707 different mutual funds in the U.S., compared to only 4,900 individual stocks.
And 96% of them fail to match or beat the market over any extended period of time.
“The market” really means a stock index, or collection of stocks like the S&P 500.
Just HOW MUCH Are
They Taking From You?
Check this out…
Over a 20 year period, 1993 through 2013, the S&P 500 stock index returned an average annual return of 9.28%. But the average mutual fund investor made just over 2.54%, according to Dalbar, one of the leading research firms.
An 80% Difference!
In real life, this can mean the difference between retiring well and struggling to survive.
Plus, get this…
The average cost of owning a mutual fund is 3.17% per year!
That’s 2000% higher fees than what index funds have, and they’re charging it for worse performance!
Fees add up too. If you invest $100,000 over a period of 30 years, assuming a 8% return, yields vastly different results:
With 1% annual fee: $761,225
With 2% annual fee: $574,349
With 3% annual fee: $432,194
By paying excessive fees, up to 50% or more of your nest egg is being taken from you.
“Get Me OUT Of Here!”
It’s enough to drive you mad… which spawns a whole industry of alternative investments.
These are people who will sell you real estate deals, physical gold and silver, private lending contracts, hedge funds, and a whole array of investments that you can buy with your IRA/401k money—IF you setup an account with a Self-Directed IRA Custodian.
…That’s a company that gives you a different type of IRA where they will administer the money transfers for many alternative investments.
For example, they can handle your IRA money buying an investment property, such as a house that gets rented out, and the rent gets paid to your IRA.
Which brings me to….
The Dirty Secret of The
Self-Directed IRA Custodians
These corporations exist primarily on web sites with back offices of paper pushers in cubicles and a few cushy corner executive offices.
Behind all their fancy web pictures of actors, working hard acting like happy retirees—ironic—is the truth that 9 out of 10 Self-Directed IRA investors are blocked from having the success they desire.
You read that right. Nine out of ten Self-Directed IRA investors fall flat on their face doing exactly what they thought would be better than staying in the shark-infested “Standard IRA/401k”.
Let’s take a…
Peek Inside What A SDIRA
Investment Deal Is REALLY Like
Chuck was fed up with Wall Street and knew he didn’t want 50-80% of his retirement money to be stolen by sharks.
So he searched on Google for “Self Directed IRA” and picked the company that seemed the best. It was a SDIRA custodian company that had been in business for 20 years.
It seemed pretty straightforward.
He opened his account and transferred his money into it.
Now all he needed to do what pick an investment and fill out of form to instruct the custodian to do the investment with his IRA money.
Chuck chose real estate, but the lessons you’re about to learn are the same no matter what your investment of choice.
Chuck found a house he could buy and rent out for an estimated 10% profit per year. Score!
It was listed for $168,000 and he just needed to buy it for $150,000 for it to be a good investment deal.
Next, he filled out the form telling his SDIRA Custodian to sign the contract to make an offer on the house and issue the “earnest money” deposit check. He offered $140,000.
Within a couple of days, his realtor called saying “Alright Chuck, we’ve got a counter-offer from the seller. $167,000.”
Listing Price: $168,000
Chuck’s Offer: $140,000
Seller’s Counter-Offer: $167,000
Ouch. If you’ve ever invested in real estate, this sounds familiar. Usually securing a deal involves a little dance of back and forth counter-offers before price and terms are agreed upon.
In this case, the seller was saying “I’m not budging.” But Chuck wasn’t about to give up. He knew the negotiation game and had played it well before.
The way Chuck figured it, the house needed some work to get it into better shape and he needed the seller to either A) lower the price to meet him at his desired $150,000 point, or B) replace the carpet, paint the house, and a few other repairs as part of the deal, prior to closing on it and trading the money for the title.
Because “Plan A” didn’t seem to be working, Chuck moved on to “Plan B.”
So he had his realtor draft up a counter-offer for $160,000 with a paragraph saying the seller would do the mentioned repairs prior to closing the deal.
A few days later, Chuck’s realtor called with, “Bad news. Your IRA Custodian won’t sign the counter-offer.”
“Why the heck not?”
“I don’t know. It just sounds like I’m talking to a secretary in a cubicle over there. They’re just reading a script from an employee manual and won’t let me talk to the real decision maker.”
That’s Right… You’re NOT The Decision
Maker With A Self-Directed IRA Custodian
“What a fraud!” thought Chuck.
He called his IRA Custodian to figure out what was going on.
“Why won’t you sign the counter-offer?”
“We’re not comfortable with the complexity of the terms of the contract you want us to sign.”
“WHAT?! Agreements to repairs are commonplace.”
But it was no use. They weren’t budging.
Little did he know, there was something lurking in the file cabinet 800 miles away at the SDIRA Custodian office.
A Terrible Disappointment
…That’s what countless investors get when they try to use their SDIRA.
In Chuck’s case, it was a flat out denial to do a transaction that just wasn’t “vanilla” enough. Or maybe it was because they just weren’t willing to handle all the counter-offers that were needed for Chuck to get a good deal.
This same outcome—future-smashing disappointment—comes in an endless variety of bitter flavors when dealing with a Self-Directed IRA Custodian company.
Sometimes it’s a denial to do the investment, at THEIR discretion. 98% of these are completely legal transactions that the custodian just vaguely says “We’re not comfortable with it.”
Sometimes it’s a lack of speed, where getting a response from the SDIRA Custodian is taking weeks and the deal contract expires. The seller just wants to move on to find a buyer that can close quickly.
Sometimes the Custodian loses or misappropriates your IRA money.
That’s what happened to Sherry.
“Sorry, Your Money
Sherry had already overcome the hurdles of getting an investment deal lined up and her IRA Custodian already signed the contracts.
All she was waiting on was for the IRA Custodian to wire her IRA money to the “closing table” so the attorneys could finish it.
Instead of the wire, she got a phone call that went like this:
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“Sherry, we’ve got a problem.”
“What is it?”
“Your IRA money was accidentally wired to the closing table of another client’s deal.”
“@#[email protected]#%! WHAAAT?!”
“We’re very sorry. This rarely happens, but we made a mistake.”
“What can we do about it?”
“We’re going to sort it out. Just hang tight for a little bit.”
Because it was such a hot investment deal, the contract said there was a $500 “pier diem” fee per day for delaying the closing.
Days went by. Then weeks.
30 days later, her IRA owed the seller $15,000 in “delayed closing” fees and ultimately still lost the deal.
That was the most painful thing. From this $350,000 investment deal, Sherry stood to double her money and make $350,000 of profit.
Instead of being up $350,000, she ended up down $15,000. Her Custodian cost her $365,000 between lost profits and hard fees..
Highly lucrative deals are rare, but when they are found the seller’s not going to wait around weeks for an IRA Custodian to finish chasing its tail.
It Ain’t So Pretty Behind
The Custodian Curtain
In thousands of my consultations, Self-Directed IRA investors would complain:
- “My custodian takes forever to process my requested transactions”
- “My custodian isn’t allowing the investment I want to do, even though it’s 100% legal”
- “My custodian charges me too much money”
- “Why am I paying to have yet another company limiting my IRA?”
These kinds of complaints are valid and certainly frustrating.
Imagine yourself faced with paperwork for a safe and lucrative investment and you can’t sign it directly and your custodian refuses to sign it.
That’s every day business for a SDIRA custodian company. Their business model is so mired down by paranoid attorneys who won’t let them let their customers experience the true power of an IRA. They’re afraid of law suits.
And they should be…
Self-Directed IRA Custodians
Get Sued All The Time
An with each passing year, they get more and more restrictive and their accountholders get less and less power and control over their own IRA money.
It’s infuriating, and I’ve had my share of emails and phone calls from investors letting off steam about how inadequate their Self-Directed IRA Custodian account is, and how they’re even questioning whether any of their effort was worth it.
Delight At The
End Of The Tunnel
After hearing those stories, you’re probably not too impressed by the prospect of investing with a Self-Directed IRA.
But that’s because they were doing it wrong.
Some investors get discouraged with the myriad of ways a Self-Directed IRA Custodian can stomp on their dreams—and they give up.
Don’t do that!
Use these stories to magnify the importance of getting on the right path. And then they ask…
What About The
Self-Directed IRA LLC
or “Checkbook IRA”?
The IRA LLC was a big innovation. In fact, signs said we’d cracked the code.
Attorney Debra Buchanan and I pioneered that thing back in the early 2000s. The IRA LLC was a massive improvement upon the Self-Directed IRA.
Debra was pouring through the microfiche in Washington D.C. one day working on a case and stumbled upon an old government ruling from the 80s.
After digging deeper, she discovered that by forming an LLC (Limited Liability Company) and adding it on top of a Self-Directed IRA, the IRA investor can manage his money directly.
“Checkbook Privileges,” as in “goodbye annoying SDIRA Custodian.”
We had to make sure this was legal, so Deb and I spent a lot of time on the phone and taking trips in person to Washington D.C. to make sure this passes muster with the regulators.
Fortunately, it all checked out, and the custodians were furious.
The Power Of The Checkbook
Investors like Chuck and Sherry—and hoards of others—moved on to setup an IRA LLC to legally get “checkbook privileges” over their own IRA money.
Want to close a deal quickly? Sure.
Want to buy assets at auction? Go for it.
Want to buy any legally-allowable investment without getting stonewalled by some paranoid decision maker blocking you from your own IRA money? Do it.
What a giant leap for investor freedom and control!
But there are costs and limitations you should know about.
FACT: The IRA LLC Is Complicated
Most investors who get to this point just pay a “facilitator” firm, often made of up attorneys originally taught by me or my students, who will then do everything to setup this IRA LLC for them and make it as easy as possible.
They end up getting a notebook full of documents in the mail, but even if all the documents have already been prepared and filed appropriately, the complexity of the approach doesn’t go away.
There can still be:
- Extra tax returns
- Extra taxes
- “Franchise fees” to state governments
- Fees, fee increases, policy changes, and interference from the IRA custodian
Take Brad, for example.
He setup an IRA LLC. Now they call it an IRA LLC because…
IRA + LLC = IRA LLC
…there are two parts. One, the IRA, which is still a Self-Directed IRA Custodian account.
And two, the LLC, which is an “entity” you control.
The IRA money goes into the Self-Directed IRA Custodian account and then you instruct them to forward it on to the LLC.
Then You’re Home Free
At least in theory.
In practice, Brad did everything right.
He even went to an IRA LLC facilitator that had attorneys on staff and set everything up for him.
He got his notebook in the mail and opened a checking account at his favorite local bank.
Within about 6 weeks, his IRA money was nestled conveniently in that checking account and he was the only signor on the checks.
Nobody at the bank, or even the SDIRA Custodian company 800 miles away, could interfere with his ability to make smart investments.
So Brad bought a couple of rental properties, some gold coins, a few other investments he felt good about.
Then came the letter. It essentially said…
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It’s your Custodian masters here.
We’ve been thinking about your IRA LLC and we don’t like it. We got sued a few times since you opened your account, and so have all the other companies.
So we’ve decided you have to get rid of the LLC.
Sorry about the attorney’s fees, and the big headaches of needing to re-title all your new IRA assets back into our name.
If we don’t like any of the assets, we won’t accept them and you’ll have to pay huge taxes on them.
Please wrap this up by our deadline or we’ll distribute your entire IRA to you and force you to liquidate your IRA to hand half of it over to the government in income taxes, while bumping up your tax bracket to the highest one.
Your Custodian Masters
And honestly, it’s not the SDIRA Custodian’s fault. They are getting sued all the time, and it’s almost always frivolous. The SDIRA Custodians are doing the right thing for their shareholders.
But you aren’t their shareholder.
It’s a flaw in the Custodian SYSTEM.
Before I explain what that flaw is and how to flush it out for good, there’s something else you need to know about taxes.
Please Pay $13,984,291!
Meet Bill: An investor who, like many, decided to make a change with his investments. In his case, he decided to invest in real estate to see if he could make good profits and have more control over his future.
Bill couldn’t have executed his plan any more perfectly on the real estate front. He built a portfolio of rental properties that paid his IRA over $30,000 per month in cash flow.
It was a big accomplishment, and he was happy with his progress… until the first tax bill came.
To Bill’s astonishment, his $30,000 per month in real estate income was racking up huge unexpected taxes.
His first year’s tax bill was $156,758!
What’s more, Bill’s plan was to continue to invest and compound his returns.
Doing so would turn his $4,000,000 nest egg into $26,909,999 over the next 20 years:
But, the surprise tax he had to pay every year mean he was compounding his investment returns much less. To the tune off…
This Single Surprise Tax
Cost Him $13,984,291!
You read that right.
Investment returns aren’t the only thing that compound. The cost of a brutal 39.6% tax compounds too.
And if you have a smaller IRA than Bill does, it doesn’t make any difference.
The cost of this double taxation for Bill was 51.97% of his money and that’s before even figuring the SECOND round of taxes he’ll pay when withdrawing the money out of his IRA in retirement.
Losing half your money to a simple mistake is horrendously costly no matter what the size of your investment.
By now, two things should be painfully obvious. First,
There’s So Much POTENTIAL
To Take Charge Of Your
Money, Destiny, and Future
The stakes are high. It’s your future. You’ve worked hard for your money and its yours.
Or is it?
Clearly with the shark-infested Standard IRA, much of your money is taken from you through high fees and reduced performance.
With both the Self-Directed IRA and IRA LLC, true freedom is so close within reach you can almost taste it and touch it.
But the REAL stories of what SDIRA investors are experiencing reveal the brutal reality that it’s a real mine field out there.
Custodians, facilitators, and investment promoters… all doing their best to make everything SOUND good, with disappointing results.
There’s a reason all these investors are encountering one obstacle after another, putting themselves through a gauntlet of stress and worries.
What You Don’t Know
WILL Hurt You
The most fascinating thing about all this is that there’s an invisible underlying element, wrapping its tentacles around your hopes and dreams everywhere you look to put your IRA money.
It doesn’t matter what IRA Custodian you use, where you go to setup an LLC, or what you invest in.
What matters is who holds the power. And the power is in…
The Secret Document
That UNLOCKS The Power
All of these tales of SDIRA woe involves different kinds of accounts, LLCs, multiple custodians, multiple IRAs, Roths, etc.
Bu with one thing in common…. all withholding the one document that can set you free.
This document entitles its holder to control the IRA, set its limitations, control its choices, control its fees, and basically run the show.
It’s a real document. There are over 100 million Americans have these accounts—and there’s a document behind each account, so taboo and powerful, nobody even talks about this.
It’s called the “plan document” and if you want to solve this puzzle, repeat after me:
“He Who Holds The Plan
Document Controls The IRA”
This is the big secret sauce that unlocks the full power of the IRA/401k. But instead of sauce, it’s a document.
If this master document is in your file cabinet, you’re a “free agent” and the world is your playground as a smart investor.
Let this document be locked away in some cushy corner office of a Self-Directed IRA Custodian executive, and say goodbye to your dreams.
Have a look at the placement of the document within the shark-infested Standard IRA:
You can easily give up 50-80% of your money through fees over time with a shark-infested Standard IRA.
It’s because the plan document in on THEIR side.
That document LOCKS IN their high-fee-getting scheme, limiting you to their family of funds that line their pockets with your stolen future.
The plan document says who handles the money, who presents what investment options (or lack thereof), who administers the account, etc, etc, with all of these roles getting a piece of YOUR money.
It’s obviously a disgustingly bad deal, and that’s why so many investors turn to the Self-Directed IRA Custodian account that looks like this:
Notice how the plan document is still nestled conveniently on the other side? That’s so you’re locked in to what THEIR plan document says.
It’s basically a monopoly, and swapping a Standard IRA for a Self-Directed IRA is just like changing the facade—but it’s still a monopoly, and the full power of the IRA/401k is still locked away out of your reach.
That’s what Bill discovered: his Self-Directed IRA could never give him the option to legally opt out of double taxation on his real estate.
That’s just one of the many problems that comes with your IRA plan document being out of your reach, under their power. They’ll use it to enrich themselves, at your expense, every single time.
Now let’s look at…
And it’s related approach…
These are attempts to get that elusive “free agent” status where all the monopolies, restrictions, and limitations are replaced by true freedom.
…But it just doesn’t work every time, and it’s all because the plan document is still on the wrong side. Remember, “He who holds the plan document controls the IRA.”
If putting one plan document out of your reach causes problems, putting more plan documents out of your reach isn’t going to solve them.
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The Double Taxation, Custodian LLC Recall, Complexities, State Filings, and myriad of other problems don’t go away by multiplying them.
At this point, there should be a question burning through you by now…
“How Do I Get The Plan
Document In MY Hands?”
This is where things get refreshingly simple and for a good reason.
The one and only way to get your IRA plan document in your hot little hands is to setup a special type of IRA.
In fact it’s called a “Solo 401(k)” because of a legal technicality. But make no mistake, it’s an IRA.
It’s more of an IRA than any other IRA—setup by you, for you, giving you complete control in a way none of the other approaches can deliver on. Why?
…You guessed it: The plan document is on YOUR side:
Who would have ever imagined putting a document in your filing cabinet could make such a big difference on the control you have over your money and future?
Having the plan document on your side means that ANY element of your IRA is up to your choice and control.
Want to change physical gold storage facilities? You have the power.
Want to change who you use for stocks, bonds, and index funds? You have the power.
Want to invest offshore? You have the power.
And you can do all of this WITHOUT breaking or even bending any rules. This freedom comes from UNLOCKING that plan document and putting it on your side.
In fact, when you have the plan document you aren’t even required to hire any of the custodians who want to charge you money to take away your control.
Have a look for yourself at what’s possible:
The beauty of it is…
You Can UNLOCK Your IRA/401k NOW
Because the Solo 401k isn’t just an “alternative investment” IRA, or just a “Gold IRA”, or just a “Mutual Fund IRA”… it doesn’t matter who you are or what type of investing you want to do.
You can UNLOCK your IRA/401k money now.
You don’t have to wait until you find an alternative asset. Heck you don’t have to find an alternative asset ever to make the Solo 401k payoff big for you.
It could be worth millions to you because of one feature alone…
Invest In An UNLOCKED
Now let’s talk about Wall Street’s biggest secret.
That shark-infested, mutual-fund-laden, high-fee, ripoff “Standard” IRA is locked up in a limited “family” of funds and investment choices designed to enrich the administrators, custodians, and brokers involved in monopolizing on your IRA money.
But when you use your own Solo 401k,
it’s not THEIR IRA—it’s YOURS.
Let me explain because this could be worth millions of dollars to you and your retirement…
Most investors are so suffocated by bad IRAs because the plan document is setup automatically without your input. That’s how they get all the limitations (about forcing their family of high-fee mutual funds, disallowing alternative investments) in there.
The key to UNLOCK your IRA money is to go from the old way:
Step 1: Open Your Account
Step 2: Invest Among the Options Made Available To You
…which by the way is the same process whether you have a Standard IRA or Self-Directed IRA…
Instead, to fully unlock your IRA money, you make one simple change:
Step 1: Setup Your Plan Document INDEPENDENTLY
Step 2: Open Any Accounts You Want
Step 3: Invest Among Any Option Out There
In other words, you just separate out the creation of the plan document and the opening of accounts.
The plan document setup is INDEPENDENT of the brokerage account.
In fact, you can open a REAL brokerage account that gives you access:
- Nearly-zero-cost index funds that outperform mutual funds with 95% less fees
- Stock options (puts, calls)
- Margin accounts
- Bear funds (make money with the stock market goes down)
- All available publicly traded stocks and bonds
Why This Is Important
Many would-be Smart Investors are stopped in their tracks by uncertainty…
- What should I invest in?
- Should I really get out of the stock market?
- What do I do until I find a suitable alternative asset investment deal?
- Am I really cut out to make decisions on alternative assets?
- Do I have what it takes?
You see, they feel like they need to be switching from “Team Wall Street” to “Team Alternative Assets” and it causes them to freeze up in doubt, or even reduce their own power and choices.
With a Solo 401k, fully UNLOCKED, there’s no choice to make: you get it all.
In fact, you can start with the simplest, easiest investment strategy ever: buy index funds that outperform your old IRA/401k, and reclaim the 50-80% of your money that you were losing due to be robbed through fees.
Anyone can do that.
If you never progress any further than that, you can at least recapture 50-80% of your money with the uber-basic index fund strategy. Huge payoff.
And whenever you’re ready, you can…
Use Your Permanent Checkbook
Privileges To Capture Lucrative
Deals Not Available In Public Markets
We’re talking REAL checkbook privileges that no Custodian can take away from you.
The next time a big crash blindsides mainstream investors and everybody is running and screaming, you can be scooping up assets for pennies on the dollar.
Houses, raw land, apartment buildings, factories, private businesses.
In fact, screaming deals are to be found every day in the USA. If you keep your eyes peeled.
Turn On Your
Reticular Activating System
Have you ever decided you might want to buy a certain car, and then noticed that kind of car all over the roads?
That happened with me a few years ago when I thought I’d get a Jeep. Not only did I start seeing Jeeps everywhere I went, the drivers were even waving at me!
It was almost like the universe was saying “Hey, Jeff, we’re waiting for you in the Jeep Super Fun Times Club!”
This doesn’t happen with only cars. It happens with everything.
This phenomenon comes from a part of your brain called the Reticular Activating System, and it seeks out any information that solves a problem you’re brain is working on, deep in the back “unconscious” parts.
And once you get Permanent Checkbook Privileges over your IRA/401k money, your Reticular Activating System is turned on for lucrative alternative investments.
It’s quite weird actually.
I get reports all the time from investors who happen to “stumble upon” an incredible investment deal just days after setting up their Solo 401k.
Take Judy for instance…
Judy Found Free Money
Judy lives in an area where major natural gas discoveries were being made, and she’s a realtor.
Judy set up a Solo 401k and proceeded to buy several homes on acreage around town.
She started with around $200,000 and bought a couple houses with that.
Now, get this… Judy then sold the homes for the exact price she had just paid for them… but retained the mineral rights.
You probably see where this is going.
Mineral rights are the ownership of the minerals, including natural gas, that are in the land.
So she would just:
- Buy a house with land
- Sell the house, retain the mineral rights in her Solo 401k
After a year or so, she’s piled up quite a few mineral rights to properties all over town.
Then when the big energy companies came to extract the natural gas, Judy sold or leased her mineral rights out to those energy companies.
…And put over $1 million profit into her Solo 401k, tax-deferred.
I’ve got countless stories just like it, but the key is to setup your Solo 401k now, regardless of whether you think you’ll want to invest in alternative asset deals.
It just won’t happen if you don’t position yourself for it.
But the truth is…
You Don’t Need A Big Score For
The Solo 401k To Better Your Future
You just need to get out of the shark-infested Standard IRA that’s skimming most your retirement profits and leaving you with the crumbs.
Stop being the victim and unleash your freedom.
If you start with a small commitment to unlock your IRA/401k money and get it into index funds, you’ll cut out the sharks and reclaim what’s rightfully yours.
So with that in mind, let me show you the key that unlocks the door to the Solo 401k…
How To Automatically
Qualify For The Solo 401k
Most “Solo 401k Facilitators” are quick to try to “disqualify” you from a Solo 401k because they’d rather setup an IRA LLC for you.
IRA LLCs are more complex, require more ongoing work and fees. So most facilitators would rather get the higher fees for an IRA LLC over time.
To me, that’s just stupid.
If you can qualify for the Solo 401k, and it’s better for your future, I want you to have it.
I’d prefer putting around in my backyard on the golf course over getting a bunch of IRA LLC fees from you. Let’s both earn and enjoy peace of mind, don’t you think?
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Employers Prohibited: If you a own a business that employs other people FULL-TIME who get a W2 paycheck, the Solo 401k isn’t available to you. (If that’s you, don’t worry, there’s something similar to a Solo 401k that works for you, just email us to request info).
For everyone else…
What’s All The Solo 401k
Qualifying Fuss About?
You need some sort of “qualifying business activity” that holds the potential to pay you some extra money on the side.
Fortunately, with my Solo 401k System you automatically get a referral link to share Solo 401k education with other people. If any of those people setup their own Solo 401k (good for them!), you’ll get a referral fee.
And that my friend, gives you “qualifying business activity” without any business costs, burdens or obligations.
All you have to do is share the link with a few people every year. It could be a yearly email to friends and family.
And to qualify to setup your Solo 401k today, all you need to do is decide now that you’ll share your referral link in the future. Keep it simple, okay?
Heck, the Solo 401k is so powerful, we noticed years ago, most of our clients were doing this on their own anyways. So giving you a referral link just made sense.
Now that you’ve decided to qualify, have a look at…
Exactly What You’re Getting!
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- Access to the private “members only” web site containing all the tutorials and trainings, breaking everything down to simple “bite sized” action steps to take
- Your document control panel where you’ll download your IRS-approved documents within 1 business day (or less)
- My rolodex and personal introduction to banking and brokerage contacts
- An ongoing stream of case studies, showcasing “what’s working now” for Solo 401k investors (and what new dangers to avoid)
- Access to special “Solo 401k members only” conferences, webinars, trips, and investment opportunities
When it comes to UNLOCKING your IRA/401k money, and becoming a “Free Agent” IRA investor, there are really only a few steps to focus on…
Download Your IRS-Approved Plan Document Overnight
After typing in your name, address, and other basic information into our Solo 401k System, you’ll be able to download your IRS-approved plan document, making you a Free Agent once and for all.
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- Create your Solo 401k in 1 business day (or less)
- Your plan document is fully optimized to grant all legal powers to you—zero limitations or restrictions
Just put this document in your file cabinet and say “Never Again!” to being hoodwinked by the greedy sharks and their monopolistic system.
When you close the drawer to your home filing cabinet, you’ll hear the sound of a good decision.
Choose Your Brokerage Account Provider
Because the “qualified” nature of your Solo 401k is sitting in your home filing cabinet, you get to choose where you want to open your UNLOCKED full-spectrum brokerage account.
You’ll be able to skip THEIR IRA and 401k accounts, because what you need here is an UNLOCKED brokerage account. I’ll give you:
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- my recommendations on the best brokerage providers that are the easiest to deal with and have the best options and service
- a cheat sheet that shows you how to complete the forms to open the brokerage account the right way
Transfer Your Money (Tax-Free)
This is where you move the money from your other IRA, 401k, 403b, and 457 accounts into your Solo 401k. They’ll actually send you a check, made out to YOUR Solo 401k for you to deposit at your brokerage account.
With my cheat sheet and transfer guide, you’ll learn how to avoid common transfer pitfalls and ensure your money transfers smoothly.
When following the guidelines, your transfers will be tax-free and you can make as many as you want. These days, you can transfer just about any retirement account into your Solo 401k.
The only exception is Roth IRA money can’t be transferred in, but Roth 401k money can.
Setup Your Portfolio
Even if you never even dabble into alternative assets, you’ll enjoy the full-spectrum of publicly-traded investments.
The world is your oyster when you toss the junky funds and take advantage of accessing all index funds, ETFs, bear funds, stocks, bonds, options… and you can even use margin.
This is where you reap the benefits of controlling and possessing the Solo 401k plan document because it says you can do all these things. They’re all legal, and now you have the freedom that comes only with a fully UNLOCKED Solo 401k.
Feel free to hire a registered investment advisor to help you if you’d like. You can even pick one that’s a fiduciary to you and doesn’t accept commissions from the sharks.
Even if you never progress pass this step, and you did nothing other than hold a portfolio of index funds… you’ll enjoy [historically] much better performance, and recapture 50-80% of your money that was going to high fees.
That in and of itself can make or break or your retirement. It’s so easy, anyone can do it.
(Optional) Buy Alternative Investments
You can do this instantly with the “checkbook privileges” granted by your Solo 401k.
Whether it’s a real estate deal, buying physical gold and silver, storing gold and silver at a professional insured storage facility, buying tax liens at auction, buying pre-IPO stocks or investing in venture capital funds, joining lending clubs, buying bitcoin—or ANY other investment opportunity you can find out there—you have the full freedom to invest.
You’re restricted from investing with family and from “conflict of interest” or “self dealing” transactions, but these are simple to steer clear of and I’m going to give you a full report (no charge) of how to avoid these.
(Optional) Shelter Massive Self-Employment
Income From Taxes, If Applicable,
Up To $115,00 Per Year
This step is for self-employed people who are high earners. The Solo 401k can accept tax-deductible contributions MUCH higher than any IRA can.
If you’re a big earner with self-employment income, this alone can put millions of dollars in your pocket, every decade.
How much? You can shelter up to $115,000 per year into your Solo 401k.
Over a 20 year period the tax savings of the Solo 401k annual contributions alone can be worth over $800,000.
This may not apply to you, but if it does, use it!
“Sounds Great, Jeff — But How
Much Is This Going To Cost Me?”
In my opinion, it should ultimately cost you zero …even if I charge you thousands—assuming you put it to work for you, follow the instructions, and get the results I want for you.
So obviously my goal for you is to save 100X more than you pay today …thus making the cost completely irrelevant.
And I’m literally doing everything in my power to stack the odds in your favor.
I’m teaching you everything I know.
At the end of the day, you’re the boss. You’re in control of your future …so only you can tell what’s going to happen.
And I’m not going to insult your intelligence by pretending otherwise.
So let’s talk about this from a practical “dollars and cents” standpoint.
On average, mutual funds are charging you 3.14% per year in fees, both disclosed and undisclosed. That’s $3,500 every year on a $100,000 IRA.
Or $35,000 per year on a $1,000,000 IRA.
My standard Solo 401k setup fee is $3500 one-time. More on my Christmas discount in a second…
That means that even if your IRA/401k funds (including your spouse’s) is over $100,000, then all it takes is ONE single payment of $3500 to stop the bleeding of paying that amount every year—or more as it grows.
If the IRS offered to have you pay one last year of taxes and to never pay again, that would be a great deal financially, right?
Now you can see why I’ve had scores of clients happily pay me $3500 for the setup of their Solo 401k.
It’s a net cost of zero when coming from a Standard IRA of at least $100,000.
It pays for itself within the first year.
But You Can Sign Up Today
For A Fraction Of That
I’ve made this a complete no-brainer for you because you can get started today for only $347.
Here’s how it works.
My Christmas discount is 100% off the Solo 401k setup fee.
That wasn’t a typo. I told you I’m doing everything in my power to make this a no-brainer, and I meant it.
All that’s left to pay is the measly first year’s “annual maintenance fee” required by the IRS for me to keep the Solo 401k document system up to snuff each year—and thus keep your Solo 401k plan document up to date as well.
That’s just a flat $347 per year. So obviously cost isn’t an obstacle or issue for you here.
You might be wondering why I’m offering it for so much less than what others have paid in the very recent past.
This is an unusual price experiment.
See, I have a strange theory (and I’ll explain it more in the trainings) that by letting a small group of people get a free Solo 401k setup—knowing that there’s a huge demand, and knowing that it’s worth significantly more, they will take action faster than if I charged the full price.
And the sooner you take action, the sooner you’ll stop paying ridiculously high fees for horrible mutual fund performance.
And (yes, this is a little self serving) I believe that if you take control of your money, you’ll be “hooked” – in a good way – and perhaps participate and contribute to the valuable discussion at one of my upcoming conferences.
So it’s a win-win-win!
But with that said, please realize…
This IS VERY Limited AND You’ll Never Have The Opportunity To Get It This Cheap Again, Period.
Look, I’ll just point out the facts:
- We haven’t been setting up Solo 401k plans in over TWO YEARS. I’ve been retired and my full-time staff have been staying on top of some of my other projects.
- My subscriber list is 35,000 strong and they’re very responsive.
- This is the first Solo 401k promotion I’ve done since 2012, and people are coming out of the woodwork.
- The Solo 401k was recently written about in Forbes, in Tony Robbins new book, and featured on several TV programs, and interest in this has been growing even faster than before.
So to say there’s some pent up demand would be an understatement.
But here’s something to consider …all these subscribers were expecting this Solo 401k special promotion to have the usual $3500 price tag that it had before.
So the free setup is just going to fuel demand that much more.
I guess what I’m saying is if you want to unleash the full power of your IRA/401k money to build YOUR better future, you need to sign up now …before the 50 spots are taken.
I’ve made it a complete no-brainer with this deeply discounted offer, so click here and enroll now.
Oh, and on top of everything—the complete Solo 401k system, plan document, membership web site, banking and brokerage contacts, free case studies, trainings, tutorials, and access to exclusive members’ only events—and the low price…
Of COURSE You’re Protected By
My World-Famous Guarantee
Here it is:
Get the complete Solo 401k system, go through everything, put it all to work for you, tap into my brain personally for investing ideas and feedback, utilize everything and squeeze every penny of value you can out of my Solo 401k system.
And then, after all that, if you’re not absolutely convinced this was the single best IRA/401k decision you’ve ever made, let me know and I’ll give you an immediate and cheerful refund.
No questions asked.
So basically, you either love it and think it’s amazing or you don’t pay a penny.
How’s that for a square deal?
Everybody knows it doesn’t get any fairer than that …in fact, all the risk is entirely on me because if you’re not thrilled beyond your wildest expectation, I’ll end up giving you everything I’ve got for free!
But I don’t mind at all.
I’m happy to do it because I’m 100% confident you’re going to love this and become a raving-fan member for life.
So click here and enroll now. You literally have absolutely nothing to lose …and everything to gain.
Hey – before I go, thanks for reading this letter.
I was a little under the weather this week and couldn’t make a video, and my staff just kept telling me “Jeff, the emails about the Solo 401k keep coming in. When is your special offer going to be ready?”
And – on top of that – I’ve been working on building an educational series for a Swiss wealth management firm that oversees over $2.5 BILLION in assets, largely for affluent Americans.
But you know what? As strange as this may sound – it was easy.
And it’s not because I’m special or have some unusual talent.
It’s because I have a proven system …a proven process …and a proven blueprint for taking full permanent control of ones IRA/401k funds that works …over and over again for all who use it.
That’s my Solo 401k system.
Won’t you let me share it with you?
It would be my pleasure to take you by the hand and teach you everything I know about gaining permanent checkbook privileges of your money, and then turning that opportunity into safe profit to build a prosperous future of golden years that makes all that work totally worth it for you.
Maybe you’ll even pass some of what you learn on to your kids and grandkids.
DISCLAIMER: THIS IS NOT TAX, LEGAL OR INVESTMENT ADVICE, AND IN NO WAY AM I IMPLYING I KNOW ANYTHING ABOUT YOUR PERSONAL FINANCIAL SITUATION. THE RESULTS STATED HEREIN ARE FOR ILLUSTRATION PURPOSES AND PROVIDED WITHOUT ANY WARRANTY. I DO NOT KNOW ANYTHING ABOUT YOUR TAX RETURNS, INVESTMENT HISTORY, SKILL SET, INVESTMENT PLANS, ETC. THEREFORE, I WILL NOT INSULT YOUR INTELLIGENCE BY PROMISING “MAKE YOUR MILLIONS.” ONLY YOU CAN DO THAT. ALL BUSINESS AND INVESTING ENTAILS RISK. DO NOT SIGN UP FOR THE SOLO 401K UNLESS YOU ARE PREPARED TO TAKE CHARGE OF YOUR FUTURE AND SEEK PROFESSIONAL ADVICE WHEN APPROPRIATE. FULL TERMS AND CONDITIONS ARE FOUND BELOW. ALSO HOT COFFEE IS HOT AND DON’T SPILL IT ON YOURSELF!