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Self-Directed IRA Blog

Welcome to the Madison Trust Self-Directed IRA blog! Here, you will find posts about a wide variety of topics related to Self-Directed IRAs. Whether you're interested in learning about what you can invest in or you need a guide to help set up your account, you can find all the help and information you need right here.

Whether you're looking for information about account maintenance, investing in real estate, or setting up a checkbook IRA, we can help! New posts are always being added, so be sure to check back regularly to stay up-to-date on all of the information you need to know about investing with a Self-Directed IRA.

Let Our Self-Directed IRA Specialists Help You Gain Control of Your Investments

If you can't find information on the specific topic you're looking for, don't hesitate to reach out: We place a high value on transparency and clarity here at Madison Trust Company, and you're always welcome to contact us via email, phone, or online chat. Our CISP-trained team members are ready to answer your questions or assist you with setting up your new Self-Directed IRA.

Our dedication to client support is one of the main reasons why so many people rely on Madison Trust, along with our flat fee structure that never includes hidden or unexpected costs. No matter how much your Self-Directed IRA grows, your fees remain the same. Sign up for a Self-Directed IRA today and discover the Madison Trust advantage for yourself!

October 2022 Tax Deadlines & How To Correct Excess Self-Directed IRA Contributions

The deadline to correct excess Self-Directed IRA contributions or change the tax treatment of your contributions is swiftly approaching! Learn how to correct excess Self-Directed IRA contributions and get back on track for retirement.
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October 12, 2022

How To Complete a Transfer Authorization Form

To transfer IRA funds to your Madison Trust Self Directed IRA, complete a Transfer Authorization Form. View our detailed step-by-step guide so you can start investing quicker and achieve your retirement goals.
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How To Transfer Funds to a Self Directed IRA: Step-by-Step Guide

Transferring to a Self Directed IRA is simple. Explore the difference between an IRA transfer and rollover, if a Medallion Signature Guarantee is needed, and tips for a smooth transfer.
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How To Set Up a Self Directed Roth IRA

What is a Self Directed Roth IRA?  A Self Directed Roth IRA combines two functions. First, it allows investors to place retirement funds in almost any asset. Second, it does so within a Roth framework. That means the money invested comes from post-tax dollars and can now grow tax-free.  Investors generally open a Self Directed […]
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The Self Directed IRA Rollover – A Complete How-To Guide

What Does a Self-Directed IRA Rollover Accomplish? Let’s start with the basics. A Self Directed IRA rollover is the process where funds are transferred from an existing retirement account into a self-directed account. The purpose of the Self Directed IRA rollover is to maintain the tax-advantaged status of the retirement funds. Without the concept of a rollover, […]
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How To Avoid Paying Extra Taxes and Penalties in a Self Directed IRA Part 4 – Prohibited Transactions

If there is one topic that dominates a lot of the Self-Directed IRA content, it’s prohibited transactions. The concept has become something of a bogeyman for Self-Directed IRA investors with articles warning in capital letters about its inherent dangers. There is no denying that in the context of a retirement account, committing a prohibited transaction is a bad idea. It can rack up […]
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November 29, 2021

How To Avoid Paying Extra Taxes and Penalties in a Self-Directed IRA Part 3 – Excess Accumulations

Self-Directed IRA account holders have a greater obligation to be aware of the IRS rules. Since they take a more active role in their retirement investing, they don’t always have the safety net which comes with an institutionalized platform. Usually this required awareness pertains to the improper use of Self-Directed IRA funds. The account holder could potentially take the funds out too early or invest them in a way deemed prohibited. But what about the opposite case? Can […]
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November 22, 2021

How To Avoid Paying Extra Taxes and Penalties in a Self-Directed IRA Part 2 – Early Distributions

When the government drafted ERISA, it was with the intent to incentivize Americans to save for retirement. It worked by giving them a tax break to keep their money in a special account and not touch it until retirement age. Well, what happens if you don't play by the rules? Specifically, what happens when you feel a need for cash and take funds out of […]
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November 15, 2021

How To Avoid Taxes with a Self-Directed IRA Part 1: Collectibles

Retirement plans have a built-in incentive: tax savings. This could be a tax deferral with a Traditional Self-Directed IRA or full tax freedom on growth with a Self-Directed Roth IRA. In either case, you don't want to ruin your economic gain by doing something that the IRS will charge you for. This is especially true […]
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November 12, 2021

How To Choose a Financial Advisor for Your Self-Directed IRA

If there is any one line that is ubiquitous in the investing literature, it is: “Speak with a financial advisor.” Your Self-Directed IRA custodian may be great at optimizing transactions, but they can’t give you financial advice. This is because a custodian is designated as a passive service and does not act as a fiduciary. Consequently, they cannot direct the Self-Directed IRA investment, offer a legal opinion about the viability of a specific asset, […]
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November 5, 2021
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Sioux Falls, SD 57103
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