WEALTH TREE BLOG

Bob thought he was making a smart real estate move with his Self-Directed Roth IRA—until one decision turned it into a prohibited transaction. Learn what happened, why it matters, and how to avoid costly mistakes when investing with a Self-Directed IRA.

When most people think about retirement investing, they picture stocks, bonds, and mutual funds tied to Wall Street. While those traditional assets still play an important role for many investors, they are not the only option.

A Solo 401(k) is a powerful retirement plan for self-employed individuals and business owners with no full-time employees. It allows you to contribute as both employee and employer, offering much higher contribution limits than traditional accounts, flexible tax options, and the ability to invest in alternatives like real estate and private lending—putting you in control of your retirement.

A Self-Directed IRA (SDIRA) gives you the freedom to invest your retirement funds beyond stocks and bonds into assets like real estate, private businesses, precious metals, and more. You stay in control of your investment decisions while enjoying the tax advantages of a retirement account—making it a powerful option for building wealth on your terms.