IRA Advantage, LLC

Your Retirement, Your Way

Financial consultant in Portland, OR (show on map)

5.0

★★★★★

4 reviews

Self-directed retirement planning firm offering Checkbook IRAs, Solo 401k plans, and alternative investment structuring for real estate, precious metals, and small businesses.

Call (503) 619-0223

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About

IRA Advantage is a national leader in self-directed retirement planning, created to empower investors with the ability to decide for themselves what investments to make. The firm offers Checkbook IRAs that allow investments by writing a check, Solo 401k plans for small business owners, and guidance on real estate, precious metals, and business investments within retirement accounts.

Founded in 2008 by David and Tom Moore as a sister company to Equity Advantage (a 1031 exchange company founded in 1991), IRA Advantage provides personalized service and educational resources including webinars, video libraries, and blog content.

Checkbook IRA for maximum flexibility

Personal service with discovery calls

Experience since 1991 in 1031 exchanges

National leader in self-directed retirement planning

Wide range of alternative investment options

Educational resources including video library and webinars

Services

Checkbook IRA

An IRA LLC structure that allows you to make retirement investments by writing a check or using a debit card, providing maximum flexibility and control.

Reduced transaction fees Liability protections Freedom from custodian delays Interest income Multiple investors allowed

Solo 401k Plan

A retirement plan for small business owners or self-employed individuals that allows higher contributions, ROTH contributions, and investment in business stock and life insurance.

ROTH contributions Increased annual contributions No UBIT on leveraged real estate No custodian required Can invest in life insurance and S-Corp stock Borrow up to $50,000

Real Estate IRA Investment

Guidance and structuring for investing retirement funds in real estate properties, including land, homes, and commercial buildings.

Purchase with family and friends Use IRA to buy property with mortgage Negotiate in IRA or IRA LLC name Maintain reserves for holding costs

Precious Metals IRA

Guidance on investing IRA funds in qualifying precious metals including gold, silver, platinum, and palladium with specific purity requirements.

Gold must be 0.995 or better Silver must be 0.999 or better Platinum and palladium must be 0.9995 or better American Eagle and Canadian Maple Leaf coins accepted Bars and rounds from NYMEX/COMEX approved sources

Small Business Funding (ROBS)

Rollover Business Startup plan that allows you to use retirement funds to start or invest in a small business by rolling over assets into a new 401k that buys C-Corporation shares.

Create new 401k and roll over existing retirement assets 401k invests in new business C-Corporation Operate business yourself and pay salary Grow retirement investment while building business

1031 Exchange Facilitation

Facilitation of 1031 tax-deferred exchanges for real estate investors, helping clients navigate the exchange process and comply with IRS requirements.

Facilitate 1031 exchanges Navigate IRS requirements Clean up complex deals Consult before deals are struck

Credentials & Certifications

Federation of Exchange Accommodators (FEA) Board Member

Since 1990s

Equity Advantage Founder

Since 1991

Reviews

Rating

★★★★★

Reviews

Frequently Asked Questions

What is a self-directed IRA? +

A self-directed IRA is an Individual Retirement Account that allows you to invest in alternative assets beyond traditional stocks and bonds, including real estate, precious metals, and small businesses. It gives you the freedom and flexibility to choose your own investments.

What is a Checkbook IRA? +

A Checkbook IRA is an IRA LLC structure that allows you to make retirement investments simply by writing a check. The LLC is created with specific IRS and DOL-compliant language, funded by the custodian, and the IRA beneficiary can manage the LLC and sign checks to make investments.

Can I invest in real estate with my IRA? +

Yes, you can invest in real estate with a self-directed IRA including land, houses, and office buildings. You can purchase with family members and friends, use an IRA to buy property with a mortgage, and negotiate from the deal's inception in the IRA or IRA LLC name.

What are the purity requirements for precious metals in an IRA? +

Gold must be 0.995 or better, silver must be 0.999 or better, and platinum and palladium must be 0.9995 or better. American Eagle and Canadian Maple Leaf coins are acceptable, but proof versions of the US Buffalo coin are not. Bars and rounds must come from NYMEX or COMEX approved sources.

What is a Solo 401k and who can use it? +

A Solo 401k is a retirement plan for small business owners or self-employed individuals without employees other than a spouse. It allows ROTH contributions, increased annual contributions, no UBIT on leveraged real estate, no custodian required, and the ability to borrow up to $50,000 from the plan.

What is a Rollover Business Startup (ROBS)? +

A ROBS involves creating a new 401k plan and rolling over existing retirement assets into it. The 401k then invests in a new business C-Corporation by purchasing shares. You can operate the business yourself, pay yourself a salary, and grow your retirement investment simultaneously.

What are prohibited transactions with an IRA? +

You cannot purchase from or for family members, and your IRA cannot sell to you or any other disqualified party. Simply writing a personal check from the IRA when funds are low is a prohibited transaction, though some emergency cases may be allowed.

How long does it take to establish a self-directed IRA? +

It takes two to four weeks to establish a self-directed IRA. Planning ahead is essential to ensure the success of your investment.