Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC.

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Presentation transcript:

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at One of the greatest features of your Strategic Affluence 401k is that it is truly self-directed.

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at You’ve probably heard the term “Self-Directed” in the context of some IRA’s, but that’s a very misleading description.

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at For example: “Self-directed” plans at stock brokerages are usually only so “self-directed” as to allow you to choose the specific stocks or mutual funds that you invest in. If you want to invest in anything other than those stocks or mutual funds, you’re out of luck.

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at Still other “Self Directed” plans allow you to buy real estate or other assets in your retirement plan, but to do so, you’re required to complete documents with instructions for completing the transactions, because, as it turns out…

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at …these types of ‘Self Directed’ plans are actually directed by the custodian of the plan, who simply follows your instructions. This has the very negative side effect of subjecting you to the errors of the custodian and even more frequently

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at …it has the effect of dramatically slowing down your entry to or exit from deals because you are subject to the schedule of the custodian, who may not execute your wishes for days or even weeks.

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at Not only that, but Self-Directed IRA custodians may or may NOT allow you to invest your IRA in the way you want. They have the right to NOT allow you to make that investment if they don’t consider it administratively feasible.

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at Some people try to “get around” the problems of “Self Directed” accounts and the delays inherent in them by establishing an LLC inside of their IRA, and use their retirement funds to provide liquidity to the LLC.

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at They will then open a bank account in the name of the LLC, giving them “checkbook access” to their retirement funds.

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at This can work, but has some big flaws: First, it increases the expense of the retirement plan, because you have to pay the establishment fees and annual renewal fees to have the LLC to begin with. This is wasted money!

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at Second, the “LLC in the IRA” strategy is receiving significant IRS scrutiny because it has been so heavily promoted as a way to “run a tax free business”. To be clear, you can not run a tax free business just because you open an LLC in an IRA or retirement account!

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at The last thing you want is for the IRS to determine that you’ve used your retirement plan inappropriately… the penalties can be severe. And the fact is: The LLC-in-the-IRA strategy attracts exactly the type of IRS attention you don’t want to have.

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at Third, the asset protection of LLCs has been increasingly and successfully challenged in the courts, especially with single member LLCs or LLCs where the only members are husband and wife.

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at This is where the clear superiority of the Strategic Affluence 401k comes into focus.

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at Legally speaking, your Strategic Affluence 401k is a trust. You get to choose the trustee of that trust. I suspect you’ll choose yourself!

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at One of the things a trustee can do is to open financial accounts on behalf of the trust. The trustee also has the right to directly manage those accounts.

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at Trusts are allowed to own assets in their own name (via the trustee). In fact, there’s little other reason to have a trust!

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at One type of asset that a trust can have is a bank account. The trustee can open a checking account, savings account or even a CD or money market account at most banks!

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at You’re not limited to bank accounts, either. If you’d like to invest in stocks, bonds, mutual funds or other publicly traded assets, you can open an account at a brokerage firm to do so.

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at If you trade internet domains, your trustee can open an account at a registrar such as NameCheap or GoDaddy for the benefit of your Strategic Affluence 401k.

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at If you buy and sell precious metals, your trustee can open an account with a precious metals firm for the benefit of your Strategic Affluence 401k. (Note that there are a few rules concerning precious metals in your retirement account, but they’re simple.)

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at The point is this: Your Strategic Affluence 401k is conceptually similar to a business entity (such as an LLC). As such, it’s entirely suitable for the trustee of your Strategic Affluence 401k to open financial or asset accounts in the name of your Strategic Affluence 401k.

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at You then have exactly as much control over that account as the account provider allows. In the case of checking accounts, you can (and should) have a checkbook that allows you to directly control the funds in your Strategic Affluence 401k...

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at …with your account set up at any local bank branch of your choosing. It’s just a checking account in the name of your Strategic Affluence 401k.

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at The Bottom Line: the flexibility is astounding!

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at Note: There are some limits – just a few – with how your Strategic Affluence 401k can be used. You’ll learn those rules in a future training video.

Your Strategic Affluence 401k: Truly Self-Directed This material is copyright © 2013 by SSEN LLC and is used under license by Strategic Affluence LLC. This presentation is not to be construed as legal or professional advice and is subject to terms and conditions posted at Thank you for your time, and for your business!