MARK KOHLERMain Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, LLC · Owner at Main Street Professionals, LLC

What is an IRA LLC?

16 Feb 2026 · 1 min

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1:17

In this solo‑talk, Mark Kohler explains how investors can turn retirement accounts—Roth IRAs, traditional IRAs, solo 401(k)s, and health‑savings accounts—into self‑directed investment vehicles by forming an IRA‑owned LLC (often called an “IRA LLC”). He walks through the typical structure: the IRA owns the LLC, the investor is the manager, and the LLC holds assets such as rental properties, partnership interests, side‑hustle businesses, or even an S‑Corp. This “checkbook control” lets the account holder directly purchase real‑estate, local businesses, private notes, syndications, oil & gas, and other alternative assets, bypassing Wall Street’s traditional mutual‑fund and brokerage offerings. Kohler stresses that this strategy is used by ultra‑wealthy investors to achieve higher returns on money they already have saved for retirement. He references his Directed IRA Podcast and the Directed IRA Trust company as resources for learning the legal and custodial steps required to set up the structure.

Chapters

So in an IRA llc, we've got our LLC with a rental property, we've got our partnership LLC with another rental property. Then over here we have our little side Hustle, LLC maybe. And then many of you are going to graduate to the S Corp. So you've got your llc, everything's going well, and oh, all of a sudden you learn about self directing. Investing your Roth IRA, your traditional IRA, your 401k, your health savings account, investing it in what you know, where you can get an incredible rate of return. Because you're not just maybe buying stocks, bonds and mutual funds. You're investing local businesses, real estate, notes, syndications, oil and gas. Things that you know and you want to invest in. Well, you get to do that. And Wall street does not tell you this. Wall street wants to manage your money. I want you to invest your money in what you know best. It's called self directing. The Directed IRA Podcast, another one of my podcasts, and our Directed IRA Trust company will help you learn about the strategy and understand it. But this, my friends, is what the ultra wealthy do. They take their IRA and invest in what they know best. Now, what does it look like? So over here, you might have created a little solo four. Maybe you have a Roth ira, maybe you have a traditional ira, maybe you have a health savings account and you take one or all of these and you create an LLC and you get to be the manager of that llc and you literally have a checkbook.