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Self-Directed IRAs (SDIRAs)



A Self-Directed Individual Retirement Account is an IRA that requires the account owner to make investment decisions on behalf of the retirement plan. IRS regulations require that either a qualified trustee, or custodian hold the IRA assets on behalf of the IRA owner. The trustee/custodian will maintain the assets, all transactions, and other records pertaining to them (file required IRS reports, issue client statements, assist in helping clients understand the rules and regulations) and perform all other administrative duties on behalf of the self-directed IRA owner for the LIFE OF THE IRA ACCOUNT. The Self-Directed IRA custodian allows the client to take full advantage of the flexibility the IRS has built into IRA investing. In most cases, it has not been the IRS that has limited the investment choices of the IRA owners; it has been the traditional Custodians and Financial Advisors. You are allowed to invest in almost anything that you desire with just a few exceptions. Self-Directed IRAs are governed under Internal Revenue Code Section 408 just like all IRAs. You must follow all of the same exact rules, laws and regulations, but you get to invest your IRA funds the way YOU want to invest!

Retire Happy can help you establish your Self-Directed IRA account simply by

  • Transferring your current 401K (employer retirement plan) to a Self-Directed IRA Custodian
  • Transferring your current IRA balance to a Self-Directed IRA Custodian
  • AND/OR
  • Funding your current IRA contribution to a Self-Directed IRA Custodian

We want to put your funds to use earning better returns with less hassle!



You invest in what you know! By using a trust company as the administrator for your account, you get greater flexibility in the number of investment choices you have!

Examples of the flexibility you have using a Self-Directed IRA:

  • If you work in or know the real estate field, you can invest in real estate.
  • If you work in or know the mortgage field, you can use your IRA as a lender.
  • If you know of or work for a company looking to raise capital, you can invest in a note with that company.
Use self-directed IRA's to reduce your taxes.

The best way to reduce taxes is to reduce your income. And the best way to reduce your income is to contribute to a retirement plan. Your contribution reduces your wages, and lowers your tax bill. While retirement accounts provide the opportunity to save money for the future in a tax-deferred environment, a self-directed IRA allows you to benefit in a variety of alternative investment opportunities with the potential to earn even more. With a SDIRA you get the benefit of reducing your income AND selecting your own investments for your retirement funds.



Most Americans are not aware of the fact that there are more things to invest in outside of stocks, CDs, and mutual funds. The truth is that broader investment options have been available to the public since 1975, the year contributions could first be made to IRAs.

The retirement industry has been dominated by large transaction-driven custodians who have focused on a narrow universe of investments. They do not offer the kind of freedom that a self-directed qualified retirement plan offers. To fully maximize your investment options, you need to have a retirement plan that allows you to select your own self-directed investments. A fully self-directed retirement plan allows you the freedom to invest in many types of assets - assets that are not prohibited by the U.S. Treasury Department regulations and the Internal Revenue code.

With a SDIRA you are in full control and can choose from a wide range of permissible assets.

Here are some of the self-directed investment options that people have taken advantage of: