Archive for 'IRA'

A lot of us start out investing in different Mutual Funds for retirement because we feel that we need to be more aggressive in building up our portfolio.  Now that retirement is just around the corner or maybe it’s already arrived, it may be time to move that portfolio into something more stable.  Here’s a couple ideas to do that .

In a previous article, I discussed various ways that investors can accumulate their nest egg. One strategy includes putting a portion in one or a few attractively valued dividend growth stocks every single month and reinvesting dividends selectively. The other strategy involved investing in index funds, using tax advantaged accounts such as 401(k) for example.

Traditional vehicles for saving such as index funds and target-date funds work well when you accumulate your nest egg, but could present a challenge if you try to live off them. Many retirees prefer to have a stable and growing source of income, which maintains purchasing power over time, and is not dependent on the manic-depressive swings in stock prices. Therefore, investing in dividend growth stocks is the ideal way to generate income from your nest egg in retirement, due to the stability of dividend income. Therefore, if someone were to accumulate their nest egg in other items such as index funds, but wanted to convert to dividend investing, there are two ways that they can achieve that.

The strategies outlined in this article also work for situations where you have a lump sum amount, and you are thinking of investing it.

The first strategy involves selling all funds in your portfolio, and using the proceeds immediately to create a diversified portfolio of quality dividend-paying stocks.

This strategy is quick and easy to achieve, as it involves just a few steps. If you want to make the conversion all at once and not have to worry about how to invest the amounts for months, this is likely the best deal for you. If you could find 20-30 quality dividend-paying companies, which are also attractively valued, and your money is spread in several sectors, you could be done with this exercise in one day. After that, the only thing to worry about would be to monitor the investments, decide what to do with dividend income, and enjoy life.


Read more on Dividend investing

A Certified Financial Planner has developed a simple system for beating the Commodity Markets on a regular basis and implementing his system in only about 30 minutes per day.  Fred Rouse, or “The Money Doctor” as he is called by his many students, has been focused on helping investors build up their portfolios for about 30 years and his methods include using an IRA to do your trading .

 Officially, the title of “Dr.” was bestowed upon Fred Rouse because his lifelong dedication to studying money and economics led him to achieve a Doctorate in Business Administration in Small Business Finance (DBA) and a PhD in Taxation. But, the veteran Certified Financial Planner® is proud to have earned his designation as “The REAL Money Doctor” from his Clients after years of being in the trenches, going above and beyond in serving their needs.

Since the mid-80s, his diversified Financial Management Group has helped hundreds of select individuals and small businesses of up to six employees throughout the greater Philadelphia area. With nearly 30 years of tax, asset protection, business and trading experience, he shows Clients how to reduce their taxes and structure their businesses for the maximum tax savings, asset protection and privacy.

For most CFPs, the story ends there. That was simply the foundation for Dr. Rouse, whose passion for trading commodities and the great success he has achieved in that realm over the years has earned him another key designation from students of the EOD (End of Day) Scalping Trading Course that he launched in 2010: “The Quiet Trader.”

Dr. Rouse has the “Only Complete Trading System” that was designed, tested and approved by a Certified Financial Planner® that guides students on how to double their annual income in less than 30 minutes per day. He adamantly insists that his students prove their results to themselves before risking any actual trading capital. With Dr. Rouse’s revolutionary approach to commodities trading, he believes it is possible for students to make a million dollars over the course of seven years and demonstrates exactly that in his webinar on money.

Dr. Rouse’s desire to share his vast wisdom has led him to become a bestselling author. His works include The END of YOUR EMPLOYMENT: 10 Keys to Your Ideal Business and The Real Money Doctor’s College Student’s Money Guide. He also penned a thought-provoking chapter called “The Truth” for Soul of Success, Vol. 1: The World’s Leading Entrepreneurs and Professionals Reveal Their Core Strategies for Getting to the Heart of Health Wealth and Success, a volume co-authored by Jack Canfield of Chicken Soup for the Soul® fame.

For those intrigued to learn more about the course, Dr. Rouse offers a free two-hour webinar in which he exposes eight mind-blowing “money lies” that the government, Wall Street and the banks have been concealing from average working Americans for decades about money, taxes and trading. He teaches people how to turn those lies around and exploit them into cash and a secure financial future for themselves and their families, so they never have to worry about money again.

Explaining the essence of the program, Dr. Rouse continues: “What the system does is simply have you review the chart to see if one line crosses the other line. If the conditions are met then, the system gives you the direction and the exact price for you to get in the next day, where to get out with a profit, and where to put a stop/loss if a trade goes against you. After reviewing the results for over a year, you can generally get in and out with a profit in the same day for most trades.”

Dr. Rouse has the first and ONLY course that tells you how to trade commodities inside of an IRA and what to expect when you do. “This is the key to real long-term financial security that people just don’t know about, including most professional advisors. In fact, after close to 30 years in business, I don’t know of any trading course or any professional advisor that covers how to do this,” he states.

“The course was designed for working people that want to get ahead but just don’t have a clear way that’s working for them,” says Dr. Rouse. “I expose groundbreaking concepts and ideas that they’ve never seen before. It’s my current quest do everything I can to ensure their long term financial security and success as traders because more money gives you more options in life.”

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Matt Collins


New Bankrate poll reveals how Americans feel about their finances

With personal debt continuing to mount, Americans are feeling even less secure about their finances this month and struggling to find funds to cover expenses.  A new study released by Bankrate, Inc. shows that that 19% of Americans have admitted to tapping into retirement funds over the past 12 months to cover emergencies. The poll, conducted by Princeton Survey Research Associates International, can be seen in its entirety here:

Among the findings:

  • One in three Americans (33%) says their overall financial situation is worse than 12 months ago.
  • Feelings of financial security among Americans, as measured by the Financial Security Index, sank to a new low of 93.5, down from 97.0 in March and below the previous low of 94.6 in December.
  • The percentage of Americans who are more comfortable with their debt has fallen 3 months in a row (Jan: 27%, Feb: 26%, Mar: 24%, April: 18%).
  • Seven percent of Americans admit to not having any retirement savings.

“Raiding the retirement account prematurely depletes the nest egg, subjects the individual to taxes and penalties, and deals a permanent setback to retirement security because you can never go back and make up for those early withdrawals,” said Greg McBride, CFA, senior financial analyst for

Bankrate’s Financial Security Index results are based on telephone interviews with a nationally representative sample of 1,004 adults, ages 18 and older. The interviews were conducted from April 7 to April 10, 2011, by Princeton Survey Research Associates International. Statistical results are weighted to correct known demographic discrepancies. The margin of sampling error for the complete set of weighted data is plus or minus 3.7 percentage points.

About Bankrate, Inc.

The Bankrate network of companies includes,,, Nationwide Card Services, Fee Disclosure, InsureMe and Bankaholic.  Each of these businesses helps consumers to make informed decisions about their personal finance matters. The company’s flagship brand, is a destination site of personal finance channels, including banking, investing, taxes, debt management and college finance. is the leading aggregator of rates and other information on more than 300 financial products, including mortgages, credit cards, new and used auto loans, money market accounts and CDs, checking and ATM fees, home equity loans and online banking fees. reviews more than 4,800 financial institutions in 575 markets in 50 states. In 2008, had nearly 72 million unique visitors. provides financial applications and information to a network of more than 75 partners, including Yahoo! (Nasdaq: YHOO), America Online (NYSE: TWX), The Wall Street Journal and The New York Times (NYSE: NYT).’s information is also distributed through more than 500 newspapers.  Bankrate, Inc. was acquired by Apax Partners, one of the world’s leading private equity investment group, in September 2009.  Apax operates across the United States, Europe and Asia and has more than 30 years of investing experience. For more information on Apax, visit:

Kayleen Yates
Senior Director, Corporate Communications
Bankrate, Inc.
Ph. (917) 368-8677

Web Site:

Self Directed IRA Group Relocates to Miami Beach

IRA Financial Group, the leading facilitator of Self Directed IRA and Solo 401(k) Plans is pleased to announce the relocation of its Miami office to 235 Lincoln Road in Miami Beach

We are delighted to be in a spectacular building in a prime location in the heart of the City of Miami Beach. The move underlines our intention to invest further in our Miami office where we have a very strong and expanding team of employees.

IRA Financial Group, the leading facilitator of Self Directed IRA and Solo 401K Plans is pleased to announce the relocation of its Miami office to 235 Lincoln Road in Miami Beach, the city’s premier business and shopping location.

Commenting on the Miami office move, partner Adam Bergman, said: “We are delighted to be in a spectacular building in a prime location in the heart of the City of Miami Beach. The move underlines our intention to invest further in our Miami office where we have a very strong and expanding team of employees.”

He continued: ”Our new Lincoln Road office provides us with high quality, flexible office space with room to expand. The move will enable us to support our current client needs as well as offer us the needed space to continue to provide high quality services to our increasing expanding client base.”

Lincoln Road Mall is a pedestrian-only promenade and the epicenter of what’s happening in South Beach. Located between Alton Road and Washington Avenue, Lincoln Road offers unique shopping, sidewalk cafes, bars, galleries, and fine dining. People watching is also a favorite pastime.

About the IRA Financial Group

The IRA Financial Group was founded by a group of top law firm tax and ERISA lawyers who have worked at some of the largest law firms in the United States, such as White & Case LLP and Dewey & LeBoeuf LLP.

IRA Financial Group is the market’s leading “Checkbook Control” Self Directed IRA and Solo 401K Plan Facilitator. We have helped thousands of clients take back control over their retirement funds while gaining the ability to invest in almost any type of investment.

To learn more about the IRA Financial Group please visit our website at

Real Estate Investing with Your IRA: This Just Revealed

Real Estate Investing with Your IRA: This Just Revealed-Image via Wikipedia

Proprietary Safe Harbor IRA allows occupancy and enjoyment of IRA property today

Quote startUse your IRA to buy your dream home! Occupy and enjoy it today!Quote end

Would you like to use your IRA to purchase a new home, vacation home, or to buy an IRA real estate investment property that you can use and enjoy today? Or maybe you are wishing you could put your IRA savings to use to help with your current mortgage payments?

We may be able to help. If you qualify, you can use Lasaii’s proprietary Safe Harbor IRA to purchase and move into a new home, vacation home, or work place. You can buy a farm, raw land, or simply use our IRA Mortgage Relief Program to make mortgage payments on your current home.

“Everything is going like clockwork with our monthly deposits into our Real Estate Account. We are using those funds as a payment on the mortgage to our brand new house. We could not be any happier with the end result from Lasaii (a division of Uranga & Associates).”

R.L.T. Springfield, Oregon

Although we refer to them as the “new rules” of IRA Real Estate because they are not well understood or commonly applied yet, Lasaii (a division of Uranga & Associates) has been successfully using the IRA Safe Harbor method since 1992.

In 2005 Uranga & Associates was contacted by IRS tax shelter inspectors requesting a compliance review of our IRA/real estate program. This gave Uranga & Associates, along with their CPA advisers the opportunity to sit down with IRS tax shelter inspectors to present the details of the Safe Harbor IRA method of investing in IRA/real estate.

Each phase of the Safe Harbor IRA method process was carefully discussed and scrutinized in particular with regards to tax sections 6694, 6695, 6700, 6701, 7402, 7407 and 7408. After thorough examination the IRS inspectors were satisfied of full compliance. Uranga & Associates was officially notified by Letter 1866 (Rev. 4-2004), dated September 26, 2005 that action under these code sections was discontinued.

This thorough audit of Uranga & Associates’ proprietary process resulted in clearance from the IRS Tax Shelter Inspectors that our Safe Harbor IRA conforms with, and is in non-violation of, all applicable legislated tax laws

For more information check out our new website or contact a Lasaii consultant at 1-800-564-8625, or fill out an application form to see if you qualify for a Safe Harbor IRA.