Open Forum Q&A on Self-Directed IRAs

Hey everybody, welcome in. It's Daniel Tursi with Directed IRA here to do a quick little Q&A live session, answer all your guys' questions, go over some maintenance, some tidying up, some spring cleaning, if you will, for what you should be looking forward to with your IRAs. And then, of course, at the end, we'll be taking questions. So, this can go really quick. This can go really long. It depends on how many questions you guys have for me. And I don't know how long they'll let me avoid my job, I guess, is really all we're looking for. But we'll get started. I'll do a quick introduction myself for those of you that don't know me. If you could pull up the slides, Angel. My name is Daniel Terzi, senior account executive and relationship manager over here at Directed IRA. I've been helping people set up accounts for the last couple of years as well as many years before this. And I'm starting to get really hands-on with all of our relationships. So I'm really excited to be talking to you guys today and getting some questions and hearing your guys' feedback. As I mentioned, I want to go over some tidying and upkeep. So just so everybody knows, it's a new year. It's 2026. I don't know if any of you guys have already given up on your New Year's resolutions. Yeah, one person in the studio already has. I'm slowly fading, but I'm still going. All right. For those of you that aren't and are trying to do your traditional and Roth contributions as your New Year's resolution, you got some updates. So first and foremost, let's go over it really quick. You can still contribute to 2025. For traditional and Roth IRAs in 2025, it's $7,000. If you're under the age of 50, and it's $8,000 if you're over the age of 50. Okay. The only reason why I'm throwing these numbers out there is because now in January, you can contribute $7,500 if you're under 50 and $8,600 if you're over 50. So right now, if you want to do a full contribution for the entire year, you can almost do $15,000 if you're under the age of 50., and you can almost do $17,000 if you're over the age of 50. So it's a pretty sweet time to be contributing to your IRA. The IRS, believe it or not, gave you some more money to throw into your retirement accounts. As far as my self-employed people, the SEP and solo 401(k)s went up. You can now contribute $72,000 if you're under the age of 50. So it went up about $2,000. And now your additional catch-ups, so people over the age of 50, you can do $8,000. And for those of you that are 60 to 63 who really want to get moving, you can do up to $11,250. So big-time catch-ups you guys can do now. You can now contribute as an employee of your self-employed business. You can contribute $25,000 if you're over the age of 60. That's just the employee contribution. Then you have the employer match, which can be upwards of $25,000, not to exceed the $72,000. So, a lot of money you guys can get into your IRAs now. Lastly, you have the HSAs and the ESAs. So, ESAs, nothing changed. HSAs did go up. We went up to $4,400 for single. $8,750 for family. Let me explain this really fast. I'm not an insurance agent, so I'm not going to tell you exactly what insurance plans to go out and get. But single, if you are just the only person on the plan, you can contribute $4,400. If you have even one dependent, you can contribute $8,750. Okay, so that's how it works, single to family plan. And then you obviously have a catch-up of $1,000 if you're over the age of 55. So, those are the nice little tidy upkeeps, you know, some of the things you guys should be paying attention to. We also, I need to know, you know, anybody who has an IRA, maybe has an IRA LLC, fair market valuations, they're due around March 1st. Okay? So, you want to make sure that you get those in. You do have a little bit more time. I don't like to tell you guys that you have more time because I want you to get them in as early as possible. Set that deadline early so that you get it done early and you don't have to worry about it. But you do have some time after March 1st. But we like to receive them here at Directed IRA about March 1st. So with that being said, I have, I have two more slides that I'll do at the end when we're wrapping up. But with that being said, I'd like to open up the floor to everybody, to this imaginary audience that I have sitting in front of me. And I'd like to kind of grab some questions from you guys and see what's going on, what kind of questions you have. And maybe even, you know, set it up to where you can set up a call with one of our account representatives. I know Michelle's in the chat right now taking some of these questions. She would be one of the people that you could set up a call and answer more specific questions if I can't get to them. So Jordan, who is here, I know none of you guys can see him, but do you have any questions for me? Oh, they can. They can.

I got a camera.

Yes. You look like you got your blacks on like you're going to be doing puppeteering or something like that.

Well, this is the frigid area right here. I'm sitting right underneath the air conditioner.

Yeah, in Arizona.

So it's necessary. So we are getting questions. We are getting them in the chat and in the Q&A. So I'm just going to pick them just as I see them here. So does the traditional rollover IRA contribution count towards the SEP total?

Did you say SEP total?

Yeah, the SEP total.

Yeah. So SEP and traditional IRAs are looked at as the same. So if you're contributing to both of them, you are going to want to separate them. So make sure that you know that they're both pre-tax contributions. But as a self-employed person, you can contribute to your SEP. And as a just a regular old person, you can contribute to your IRA, your traditional IRA. So hopefully that answers that. Awesome.

We're getting some great questions here, by the way. Oh, and I also want to call out the names here. Yeah, make sure I'm doing that. So that was Doug Dixon. Doug Dixon, thank you.

Yes. And I know there's going to be a lot of relatives in the chat. I think they all have the last name of Anonymous. Yes. So if you don't want to be anonymous and be part of that family tree, you don't have to.

Okay. So we have a question from Amit Kumar. Okay. Is there an income limit for Roth contributions, i.e., cannot contribute if you make more than a certain amount?

Yes. Roth contributions are, I believe, for single it's $156,000 and for married, I believe it's $250,000. Michelle can contradict me in the chat. She's right next to a computer, but I believe it's $156,000 earned income, I believe, or excuse me, managed adjusted gross income. So you're MAGI. And then for married, I believe it's $250,000.

MAGI or MAGI?

Yes. Yeah, yeah, yeah.

GIF or GIF? Yes. Yes. Okay, so we've got a question from Esther Stern. Is a Roth IRA set up to do self-directed?

Ah, so this is— I'm gonna, I'm gonna elaborate on this question a little bit. I think, I think because we open up so many accounts, and this is something we do every day, we leave out little bits of information that are important, and this is one of them. All IRAs are the exact same, okay? So technically, to the IRS, who is God, for lack of a better word here, for IRAs, um, they view all IRAs the exact same. The only thing that is limiting you in your IRA is your custodian. So, when people come to us, they go, Daniel, I just— I want a self-directed IRA. I don't care what it is. I just want a self-directed IRA. Well, all of the investments you do with us will be self-directed. And according to the IRS, you can self-direct into anything other than life insurance contracts, and collectibles. Okay. But the custodian, Fidelity and Schwab, let's say they only want you to, to direct or self-direct, whatever, if they're managing or you're managing into stocks, bonds, and mutual funds. Okay. Us, we're the type of custodian that says, do whatever the heck you want as long as it's a good investment for your retirement. Go out, find it, and do it. If the IRS says it's okay, Go do it. The only caveat is you have to find it, okay? You have to go out, do your due diligence, find the deal, and then fill out the direction of investment paperwork and you can direct into it. So a very long-winded answer. Yes, a Roth IRA can do this. All Roth, all traditional, all SEP, all solo 401(k), all ESA, all HSAs can do this. You just need a custodian that will allow you to do it.

So I hope that helps. That's great. Michelle, uh, gave us a little clarity. Thank you. She says, uh, single is $168K, married filing jointly is $252K.

Okay, did that go up, Michelle?

The more you know.

Yeah, yeah, thank you. I think that may have gone up. I swear it was $156K, um, but I'll—

okay, I'll concede to her. Next question, um, from Edward Thornton: Can I put my IRA under a trust?

So an IRA under a trust, it doesn't necessarily work that way. The way that you're going to set it up is you're going to set up your IRA, and then your trust is going to become a beneficiary of that. And how you want to set up your beneficiaries is entirely up to you. If you have a wife or a spouse and you pass away and you have this going to the trust, it's going to follow all the rules of the trust. And I'm not here to explain trust and everything. That's not my job. I'm not Matt. I'm sorry, unfortunately. So, I'll leave that details to him. But if it goes to the trust, it's going to follow the rules of the trust, to the best of my knowledge. Okay? But if you have a spouse that, you know, maybe you want that money to go to that person first, then you could have them be beneficiary 1, receive 25%, have the rest go to the trust, or you can do contingencies. So, there are all different ways you can set this up.. But if you want the IRA to go into the trust when you pass away, you can do that and it will follow the rules of the trust. Again, this is to the best of my knowledge. So, if you want some of this to go to your kids but you don't want them to go on crazy rockstar spending sprees because you passed away and you want to have certain rules, that's where the trust is going to come into play and that's where you want the beneficiaries to be set up correctly. So, hopefully, that helps. KKOS Lawyers. They can help you with that. So I would definitely recommend asking them.

We have a— you ready for a prohibited transactions question? Oh yes, a fairly detailed one.

Okay.

All right.

All right. Let's see.

I got my self-directed IRA with your company in November with the help of KKOS.

Beautiful.

Shout out. Setting up my operating agreement and bought a house with my SEP IRA via Titan Bank. I'm being very careful not to do anything that can be considered self-dealing. As I rehab the house for rent. I'm putting miles on my personal car driving back and forth to the property and to Home Depot, decor stores, hardware stores, and the township. How can I reimburse myself for the miles I'm driving without any quote-unquote imperial entanglements, as I do not want any issues with self-dealing? How do I do this? And then he added to the question, I am not personally rehabbing the house. I have contractors for that. But I have to drive to buy stuff for them to install and fix.

Yeah. So there's a lot going on there. If you have a contractor who's doing this for you, why are you doing any work? That's how I would view it. So that's, that's number one. Number two is you can't just reimburse yourself willy-nilly. You know, who's to say that you didn't also go and pick up a soda for yourself on the way? That's a personal thing that has nothing to do with your house. Who's to say? You have to be able to back all of this up. And again, I'm not Matt. I'm not, I'm not the CPA lawyer, right? I'm not going to be the one to defend you in court. So take everything I'm saying with this one with a grain of salt. But at the end of the day, you shouldn't be— your IRA is to set up for your future. So you should be paying somebody, which you are. You said you have a contractor to be rehabbing your investment, to be fixing up your investment. And maybe that investment is some home that you want to have when you're 59 and a half and you take an in-kind distribution and then you get to live in it. Forever, and you got to do everything tax-free, right? That's, I believe, what Mark Kohler's doing right now. So these are the things you want to look at your IRA to be helping you, not to— not to be— to be helping for your future, not to be helping you right now. And the other thing that I say is anytime someone kind of brings up this reimbursement, or why can't I go and work on the home, I'm helping my investment, It's, you know, would you be doing that same thing for me on my house for free? No, you probably wouldn't. So you have to look at that as your IRA doesn't do those things for free either. So no direct benefit to yourself. Okay. And you just, you can't, they, the contractor should be doing it. I mean, long-winded question, but, or long-winded answer, but I really think that it's the contractor should be going and doing all that stuff. That's what you're literally paying them for through your IRA. I hope that helps. I don't think you should be reimbursing yourself, but again, if you want a more detailed answer, you worked with KKOS lawyers. I'm sure they'd be willing to answer that a little bit more specific.

I concur. Okay, so we have a question, and this is a sales question, so you're gonna love this. Can I transfer my Roth IRA from an existing employer-driven retirement fund to SDIRA?

Can I move my Roth IRA?

Where is it coming from? Uh, from an existing employer-driven retirement fund.

Okay, so W-2 sponsored. So my question is, you said existing, I'm assuming that means that you're currently with this employer. So I'm going to answer it both ways because I know it'll take a little while to type in. So if you are currently with your employer, I like to give people hope. And say there's about a 3% chance that that'll be able to move out. Most of the time I don't see those move, though. I'll be honest with you, unless you're above the age of 59 and a half, and then according to the IRS, you can do whatever you want with it. So speak with your benefits person, speak with your HR department, speak with the custodian that's holding it. Ask them if you can do what's called an in-service rollover. If they say yes, go for it. We can take— you can roll it over right, right when you can. They say no, quit your job. No, I, I'm just kidding. But believe it or not, a W-2-sponsored 401(k) actually is incentive for you to stay with your company. Whether you believe it or not, you know, that's up to you. But it is an incentive. So they like to keep it with the company while you're working with them. If you have left and you have an old 401(k) or what people refer to as rollover IRAs, which are just IRAs at the end of the day, You can transfer or roll those over to us, but again, you have to have left employment.

Okay, I'm going to try and stump you.

Oh no. All right, great.

Oops. No, we're going to do some easy ones, but I'm going to try and get you here. All right, so Dajim Fetto, can I put my crypto IRA to an IRA LLC?

Yeah, so you can. Um, I would I would say you might as well. So I, I would like to say, does this— are— is your crypto IRA with us currently? Um, and I will wait to hear the response for that one because, uh, I do need to know that. If you have a crypto IRA with somebody else, uh, you'll probably want to transfer something over or, or move something over. But really, if you're going to an IRA LLC, I would recommend just going to our— what I, what I refer to is—

he said it's with someone else.

It's with someone else. So for— I'm not giving out free information now. I'm just Just kidding. No, what I would recommend is you need to set up what I call a regular IRA because these crypto IRAs with us, with other companies, they're usually a little bit cheaper because they put you basically like Fidelity or Schwab. Fidelity or Schwab only allows you to do stocks, bonds, mutual funds on their exchange. These crypto IRAs say you can do only crypto on our exchange. You get to click push buttons, all the normal stuff that we grew up doing. Okay. A regular IRA gives you the freedom of investing into anything. That's, that's what we have, right? We have our regular and our crypto. You might as well just move into a regular IRA, open up an IRA LLC, get on the exchange, and then move those crypto IRA assets in kind over to the exchange. It's a little complicated, but you get it over to the exchange into that, that crypto IRA LLC. And you can then start trading it. I believe you could even self-custody it. I believe that's what I've read in Matt's book. So, you can do all of those things. And if you want to maybe sell some of that crypto, which you can do inside of the IRA LLC tax-free, and then go buy a house because you made so much dang money with it, you can go buy a property investment. And that's all because you're doing it within the guise of the regular IRA LLC. So that's what I would recommend. Again, it's not advice or anything like that, but sure, you can get your crypto IRA into, into an IRA LLC. I would recommend just opening up an IRA LLC with us, getting onto an exchange, moving everything in kind over, and having the freedom to do whatever the heck you want, as opposed to just being kind of pigeonholed into crypto only. Personally.

Love it. Okay, this, this question is similar to the question, uh, we got earlier, uh, prohibited transactions. Okay, I feel like the answer is going to be the same, but I'm going to ask anyways. Looking to invest in a rental in Arizona while living in New Jersey. Can I expense my trips there to my self-directed IRA?

Yeah, so this is another one. So also be aware, even though I keep saying I'm not Matt, I'm, I'm telling you guys a lot of stuff that's on Matt's podcast, and I'm going to give you guys some links afterwards where he Matt talks about this. I'm going to, I'm going to answer this question, then I'm going to give you an example. So, and it's coming directly from one of Matt's podcasts. So no, you can't. Again, it comes down to what were you doing? Were— did you need to get that beer on that flight? Did you, you know, did you need to, did you need to fly first class? Did you, you know, there's all these things that you have to prove. Do you— did you need to do that? Wasn't an actual expense to, to help find the home or something like that? And Matt talks about how he has a client that actually did that, um, and I believe it was from here to Florida or something like that. And he explained to him like, well, did you need to go to that club in Miami, you know, to go and see that home or something like that? So, and while those are kind of grandiose examples, those are the things you have to, you have to acknowledge and, and understand that what you're doing, will the IRS look at that and say that wasn't necessary? Right. And do you want to play that game, that guessing game with the IRS? Bring lawyers in. Again, I would recommend probably speaking to a law firm that can do something like that. Maybe CPA lawyers, something in the area of Phoenix. I don't know. Entirely up to you guys, but I would recommend speaking to them. Now, one of the examples that Matt gives on his, on his podcast, and this is a prohibited one, this might help filter out some of the prohibited questions too. A guy gets an Airbnb and he understands that he can't rent out this Airbnb to his grandparents, parents, himself, his wife, his kids, his grandkids, or their spouses. He's playing by the rules in that way, but his brother wants to go and do the Airbnb and he understands that that's not a disqualified party. That's not a prohibited transaction. So what he does is he He rents it out to him for a fair price again, so he's playing by the rules totally. But he calls up Matt and he says, hey, I want to go and visit my brother. Is that a prohibited transaction? And Matt's example or answer was, look, I don't think the IRS is going to be tailing you and tracking how much time you've spent there, but technically it is a prohibited transaction. And so you just need to be aware of these things and just know that It is an investment and you shouldn't be playing with your investments at the end of the day.

So hopefully that helps. Awesome, guys. Thank you for these questions, by the way. Like, they're, they're coming in, um, fast. I mean, no, this is, this is great. Um, I thought maybe you'd have one or two.

Yeah, I was, I was a little concerned too.

This is, this is great. So that was from, uh, Mike Formisano.

Thanks.

Um, the next question, uh, is from Dana Spencer. Does the 5-year time clock start over when you roll a Roth 401(k) to a Roth IRA?

Nope. Very good question. It does not. So once you have a Roth established, that is your timeline. So if you're transferring— and I believe people— I'm going to sound a little anal here, but people keep saying rolling over their IRAs to another IRA. It's just a transfer. IRA to IRA is always a transfer. Takes about 5 to 7 business days, a lot faster than a 2 to 3 week rollover. So just be aware of that. But once you have a—

so this question was a when you roll a Roth 401(k) to a Roth IRA.

Oh yes. No, you're again, the clock still. But that's okay. Thank you. Yeah, it is a Roth 401(k) coming over. So it is a rollover. So you did use the right terms. I will foot, mouth, humble pie, crow pie, whatever I'm supposed to eat.

Yes, I wasn't going to correct you.

Yeah, but, you know, I need it.

I need to just for, just for Dana's sake. Yeah, she used the correct terminology.

Yeah. So thank you, Dana, for doing that correctly. Um, no, your clock does not restart. Um, you are at a 5-year— whenever it started, uh, that's your 5-year time, uh, and you, and you move from there. So it's actually, you know, set up a Roth for your kid right now. Their clock starts now and they're good to go once they hit retirement age. No problem. They can transfer, move money, move funds, do whatever they need.

So we have another prohibited transactions question. I think, I think I know the answer to this.

Again, almost always no, but yes, I know it's almost always, but I, I do feel like these are important and they're asking very specific questions.

So, uh, this is from Curtis Nesbitt: In an IRA LLC structure where I'm partnering with my IRA and we purchase a rental property, can I share in the profit of the rental?

Oh, okay, actually If they're saying so, okay, you have an IRA LLC. So here's your IRA LLC and here's you. Now you cannot transact with each other, right? You cannot, you cannot buy a property and your IRA goes in and buys it from you or helps invest in it or something like that, right? So here's you, here's your IRA. Okay. If you invest into a property together, 50/50, we're not going to do any crazy numbers here. 50/50 and you each put $50,000 in and you collect $1,000 of rent a month. You receive $500, your IRA receives $500. You invested together, you invested alongside, but you must maintain percentage ownership pro rata. So if you went in 50/50, you need to maintain 50/50 partnership. So don't go taking from that $1,000. Don't go pocketing $750 and $250 into your IRA. That's prohibited. You cannot do that. But do, do maintain that percentage ownership. However, if you have a $10,000 repair, okay, $5,000 needs to come from your IRA and $5,000 needs to come from your pocket because you invested alongside of your IRA. You need to maintain the same percentage ownership. So yes, you can take some money, but it has to be the percentage that you own of it. That's it. And it has to be invested at the same time. Do not come into this deal— you figured out, you know, you did a deal that you saw is going to produce $100,000 a year and you want to get your IRA in it so that you can get some tax-free dollars going. Too late. You already bought it with your own money. You cannot bring your IRA involved. That was a good question though, because it wasn't prohibited. I think they phrased it correctly. I think it's Yeah, correct. Yeah. But again, remember guys, I'm not going to defend you in court. I'm just here to help provide the education portion. This is what I know. Okay.

Uh, we have a question from Hui Yang. Okay. Do I still have time to set up a solo 401(k) for 2025? And does Directed IRA have solo 401(k)s?

Yes. Directed IRA does have solo 401(k)s. Yes, you do have time. It's a little complicated. Michelle is on the line. Set up a call with Michelle right now. Michelle Pinghui, and set up a call with him and go over the contributions that they could be doing for their solo 401(k)s. I believe one, one tech. Yeah, it has stuff to do with S-corps and things like that that I actually don't really want to get into. That's something I'll leave up to Matt and Mark to speak about. But we have tons of information on solo 401(k)s, whether you're setting up as S-corp, sole prop. They're all good and good information there on how you can contribute based on those things.

Awesome.

Yeah.

Michelle is stealing your thunder. She's answering a lot of questions. Good. Q&A here. Good. I'm going to look and see if there's any that maybe we can expand on a little bit here.

Okay.

All right. I presume IRA rollovers are not subject to the yearly limits.

No, they are not. Yeah, that's— so that's another good question that we skip over. If you have a billion-dollar IRA and you want to transfer some of that over to us, and you also want to contribute $7,500 for this year, you can do that. So you can, you can move over $500 million and then contribute $7,000 for 2027, $7,500 for 2026.

Okay, we have a question from Suzanne Moa. Just to be clear on fees, It's only $495 per year regardless of account value, correct?

Yes.

When the account value is over $1 million, the fee is still $495 a year.

Yes, that is true. I know some of our competitors charge you guys for being good investors. We do not do that. The more money you make, the happier we are. We keep a flat fee. All right.

We have a question. I plan to use self-directed IRA to purchase a piece of land. Okay. May I use this lot? Do I need to pay rent on the lot or can I only rent to others?

Uh, read the question again. I don't know if I fully under— so you're trying to use your IRA to invest in a piece of land that you live on?

So it's not clear. Um, it's basically asking if they can rent to others or do they need to pay rent on the lot.

Yeah, so I'll try, I'll try and answer it to the best of my knowledge. I mean, yes, you can, you can buy— I know a lady who bought a piece of land in Texas inside of her IRA, and she leased it out to food trucks. And she had a whole bunch of food trucks on her land that she leased out to. She didn't have her food truck on that, on that land because that would be prohibited. She cannot interact with her land, but she could lease it out to everybody except for her grandparents, her parents, herself, her spouse, her children, her grandchildren, their spouses. Those are the only people she couldn't lease it out to. So I believe the answer to your question is yes, you can purchase the land inside of your IRA and you can rent it out or lease it out however you'd like, as long as it's not to those 7 people that I talked about.

All right. I'm trying to go through questions that Michelle hasn't answered.

Yeah. Michelle, slow down. I know you can hear me. I know. Just because I talk a lot. She can type faster than I can answer. I know.

One basic question: can you walk through the fees of a regular self-directed IRA versus a checkbook IRA? Pros and cons of both.

Okay, I can do that. So that's, that's simple. So both of them are going to be $495 annually. Okay, so the annual fee never goes away. That's what we charge in order to maintain your IRA for you. We do the reporting. We keep you in line with the IRS so that the IRS knows what you're doing is not taxable. Okay. That's where we come into play. Now, when you want to go out and you want to do an investment, it is $50. It's a transaction fee of $50. You can go up a little bit more depending on what you're doing. It's only just real estate, but primarily a majority of you guys are just going to be doing $50 transaction fees. Um, once you get through that, that's really it. There are— we have a fee schedule on our website. You guys can go find it. We don't hide it behind, you know, booking a call or anything like that, like some of our competitors do. You can go right onto the website. You can find the fee schedule. It's all right there. I know a lot of my clients, when they're setting up, they go through everything like, Dana, what does this do? What does this do? 95% of our fees affect, you know, or excuse me, Those two fees that I listed affect 97, 98% of you. The other 2%, you know, those are our really extreme heavy lifters doing a lot of crazy investments. So the $50 transaction fee, the $495 annual. An IRA LLC requires a little bit more on the setup. KKOS, we send you guys over to our sister company KKOS to set that up. And then pretty much the only difference is, is now you have ease of access to your funds. So You can write a check, you know, you find a piece of property you want to buy right now, you can write a check and give it to them right then and there. You don't have to wait for us to cut the check for you, which we take about 24 to 48 hours. That's our service level agreement, which is— I mean, if Einstein was around, he wouldn't understand how we could move that fast. Okay. For an IRA company, 24 to 48 hours is really fast, but nothing's faster than writing a check or swiping a debit card. I understand. And sometimes real estate investors need that. So an IRA LLC helps with that. And you then don't have to worry about the transaction fee, which really isn't that big of a deal. Like my private money lenders don't even worry about transaction fees. They just pass it on to their borrower. It's $50. The borrower is just happy to get their $60,000, $70,000, $100,000. So hopefully that answers everything.

Michelle is telling you you need to be faster if you want to get to it.

So She's like, I could have typed 3 paragraphs by the time you got through that.

No, it, it looks like she's answered all the questions here in the Q&A.

Perfect. You did it.

You did a great job.

Okay. If we're, if we're done with the Q&A, I just got 2 more slides. I just want to wrap up if that's it. Because like I said, this could go, you know, we could go 5 hours if you guys have enough questions.

Just kidding. Why don't, why don't we go through the slides and then if more come in, I'll let you know before we end.

Yeah. So, so go ahead. Keep asking questions if you guys have them. I'm going to go through the last 2 slides and then we'll wrap up with a few questions if we have any. So let's see, I guess bottom right would probably be good. Yeah. So just so you guys know, you can find all of this information that we gave you guys right now on our website. You can find it on our podcast, you can find it on our YouTube, you can find it on LinkedIn, you can find it on TikTok. You can— we are everywhere. If you guys Google an IRA question, it's either going to be us or the IRS that pops up first. Okay. But if you want to have all this kind of in the palm of your hand, you can scan that QR code and it gives you a link to book a call with us if you want to set up an account. It gives you a link to our website. It gives you links to our newsletters. It has— there's actually a really cool link that one of our marketing people put together where it gives you all of our podcasts we've done. And puts them into nice concise categories where you have solo 401(k) questions. You scroll down to the PDF and you can find all of our solo 401(k) podcasts. Shout out Natalie Cooper. Natalie Coop. That, that is, that's an amazing one. So if you guys scan that, you can get that, you can bookmark that. So you could always reference it as well. That even goes for my people who have crypto IRAs with other custodians for some reason. We'll still give you this information for free. All right. And then lastly, if you guys have any questions, as I was directing people over to Michelle, that QR code will, you could book a call with any one of our specialists. So any one of our IRA account reps like Michelle, I can help out as well. And that'll take you to any one of them. So if you're looking to set up any accounts, get in before April 15th. That's the deadline to do your 2025 contributions. So for those of you who are sitting here and going, oh, well, $7,000 isn't a lot of money. Well, guess what? You can actually do $14,500 before April 15th. That I know for sure is enough money because my IRA account is around that amount of money and I'm self-directing it into investments. So it is enough money. You just need to get it set up and funded before April 15th for your 2025 contributions.

Okay, we have one more encore question here.

Let's go. Should I stand for it? You should, actually.

All right. When your money is parked in directed IRA, do you have any high-yield accounts to invest until a property is found?

No, we do not. We do offer ETFs, mutual funds, and stocks. You can talk to, if you are at that level, you can talk to one of our account reps and they'll be able to direct you and show you kind of how that works. But you can still sit in ETFs. I also have clients that when they have money sitting here, they just send it over to Fidelity or Schwab and just wait over there. You can have multiple IRA accounts. It doesn't matter. Just know that you can do it with us or you could do it with Fidelity or Schwab. But yeah, I have clients doing all sorts of different things. Awesome.

All right. That is it. If we missed anything, be sure to set up a call with Michelle.

Yeah, and thank you guys very much. I really appreciate it. I hope to see you guys more often. And thanks.

Thanks, Jordan.

And let's do this again for doing this for me. So thanks, everybody. I hope this was helpful. Have a great rest of your day.