Whitecap Properties, Inc. provides expert advice, helping clients desiring diversification into Real Estate investments plan and act on their financial goals for retirement. In providing this service we have built a network of relationships including numerous service providers - Certified Financial Planners, Lawyers, CPA's, Trust Administrators, Property Managers, Realtors, Brokers, and Bankers. The specific investment products provided will always involve real property assets suited to your self-directed (IRA) portfolio. Our main premise is that every portfolio needs diversification from the standard 100% equity market options that are traditionally offered by financial planners. Secondly we believe that real property provides the best security and growth options for investors regardless of their risk tolerance or financial goals. The self-directed real estate IRA is the preferred tool for tax deferred real property investments, and is arguably one of the least understood (or best kept secrets) among the various retirement planning options.
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Whether, you are considering a roll over cash distribution option, or an annuity for life, I recommend you strongly consider a self directed real estate IRA trust. There are an estimated 42 million United States households that own some type of IRA. Less than 2 to 3% of theses households now take advantage of the wide range of Real Estate products for their IRA investments. Yet history would say that real estate investments represent the highest yielding and most consistent financial sector of our economy. The rate of return on real property investments has been consistent upward and the downside risk is securitized by the durability of a real property asset. Especially important to investing Self-Directed IRA funds in real property investments is that they continue as tax deferred or tax free gains as a part of the IRA. It is important for us all to take the time and the personal responsibility to consider these options carefully and make them an integral part plan of our retirement plan.
So why isn't real estate more widely used for an individual retirement account - IRA ? It is puzzling, especially considering the high yield, and the diversification opportunity compared solely to the equity market option that currently controls 97% of all households' IRAs. I believe the answer is… “because we didn't know we could invest in Real Estate with our IRA's.”
I always advise the use of a 3rd party professional financial advisor as a planner (We have a good references if you like). These resources are a must and will help you think through the maze of considerations for your individual retirement situation: Heath care, lifestyle, projected expenses, insurance requirements, social security income, and of course overall asset diversification. Always be cautious of the type of expertise and opinion they bring, and be aware that all advisors are biased based upon their expertise and their compensation (i.e. Insurance sellers, stock brokers, real estate, etc.). In the end it is always your decision. With a self-directed IRA you will always make the final decision regarding your California retirement investments.
