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Large IRA Rollovers - Getting Access To The Assets You Want

If you have an IRA with more than $1 million in it, you need to read this section.

If you want to buy a special asset not generally available to you in an IRA, you can set up a sole proprietorship at minimal cost, and then have the sole proprietorship adopt a qualified Frozen Money Purchase Plan through us.

The trustee of your Frozen Money Purchase Plan is you, and as trustee you are entitled to choose investments from a much broader range that with an IRA.

In an IRA, a bank must serve as the trustee, and the banks/institutions limit your investments to those that they choose to offer directly to clients - this is a huge difference. Your new plan is eligible to purchase many different types of assets not generally available (or available at great annual expense), in an IRA.

For example, suppose you believe that buying an income-producing property is the best way to diversify your asset categories while maximizing your return. You can have your Frozen Money Purchase Plan purchase this real estate, and receive all of the income and pay all of the expenses...Investment Planning

You personally could also go into partnership with the retirement plan to purchase real estate or any other asset...Keeping Your Plan After Retirement

You are no longer locked into investing your IRA in the investments allowed by your mutual funds or your bank. A very few IRA sponsors allow real estate, but annual fees are over 1% of the asset value, which can easily be $5,000 (if your property is worth $500,000) to $15,000 per year (if your property is worth more)! If you are the trustee of your own Frozen Money Purchase Plan, you pay ZERO investment fees on the real estate. A similar result applies to other assets not available from an IRA.

Our objective is to provide you with lower cost options for the total fees you pay for investments and administration.


  1. You cannot sell a real estate investment you now own to the retirement plan, or do any other “party-in-interest” transaction. However, you can buy whatever investments you want so long as they are from an independent third party.
  2. You must periodically obtain a “fair market value appraisal” from a qualified appraiser for any asset which does not have a daily published fair market value.
  3. Before you purchase any such asset, make sure you a) have an appraisal plan set up, and b) have checked to make sure that you can purchase the asset the way you want. For example, don’t let an escrow company talk you into first having you personally buy the real estate and then transfer it to the retirement plan – can’t do it. Be very careful if there is any mortgage on a property. You can’t have the retirement plan operate a business.
  4. The best idea is to pass it by experienced retirement attorneys at a law firm – we have a law firm we have worked with for many years on many subjects.
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