Live Masterclass · Thursday, September 3 · 6:30 PM ET
Your IRA is allowed to own real estate. Most people never hear it.
Most retirement savings sit in a fund someone else picked. Since 1974 there has been another road, and most people never hear about it.
On the 3rd, Jeff Minnick of Directed IRA shows how a Self-Directed IRA works: what it can hold, how to move money in without a tax bill, and what changes when your retirement capital works behind real estate. Sixty minutes, and bring your questions.
Thursday, September 3, 2026 · 6:30 PM ET · 60 minutes
Live on Zoom · Free to attend
Free · Limited seats
Save your seat.
We'll send your private Zoom link straight away, plus a calendar hold so the evening doesn't quietly disappear into next week.
You're in
See you on the 3rd.
Check your inbox for the private Zoom link and a calendar hold. Bring your questions, the last stretch of the evening belongs to you.
Why this evening
The retirement you actually pictured.
Most retirement arithmetic is built quietly on four or five percent and a certain amount of hope. It is the number underneath everything else, whether you stop at sixty-two or keep going to seventy, whether the house is paid off, whether there is something left over for the people who come after you.
Very few people are ever told that the account itself was never the limit. An IRA can hold far more than funds. Real estate, private notes, private credit, and inside the account, every dollar of that income compounds without being taxed on its way through.
Applied patiently across a decade, that one change is the difference between a comfortable retirement and a generous one.
A typical IRA
$491,788
at 7% a year
Multifamily real estate
$1,102,859
at 16% a year, tax-deferred
A difference of $611,071, on money you already have.
Illustrative only, for education. Assumes annual compounding inside a tax-deferred account with no withdrawals, using 7% as a typical IRA figure and 16% as an illustrative multifamily real estate figure. This is not a LegacyRx projection or a promise of returns. Actual results vary, and every investment can lose value.
What you'll walk away with
Six things most people learn ten years too late.
No slides about market outlook. Just the mechanics of an account you are already allowed to open, explained by someone who sets them up every day, and the handful of details that decide whether the whole thing works the way you expect.
What your IRA is actually allowed to own
The tax code runs backwards from what most people assume. It names a short list of things a retirement account may not hold, life insurance contracts, S corporation stock and certain collectibles, and leaves nearly everything else open. Real estate, land, private notes, private funds, metals. You will leave knowing where the line sits.
Who your IRA is not allowed to deal with
The rule runs up and down the family line, not across it. You, your spouse, your parents, your children and your sons and daughters in law are out. Your brother, your aunt and your friends are fine. Most people have this backwards, and it is the one that costs the most to get wrong.
A transfer and a rollover are not the same thing
IRA to IRA is a transfer, and you can move part of a balance rather than all of it. An old employer plan into an IRA is a rollover, and it takes longer than anyone expects. Jeff walks through both, including the paperwork order that keeps a clean transfer from quietly turning into a distribution.
The small step that sends transfers back
Your current custodian cannot send shares across to fund an investment, and will not guess which holdings you meant to sell. Raise the cash first, then file the request. It is the most common reason a transfer comes back rejected, and it costs weeks.
How the paperwork has to be titled
On the documents the buyer is not you. It is the trust company, for the benefit of your account. Get that line right and the income flows back into the account untaxed. Get it wrong and you have a personal investment with a tax bill attached to it.
What tax-deferred compounding really does
Income earned inside the account is not taxed as it arrives. On a position paying quarterly, that difference stops being academic somewhere around year four. We will run the arithmetic on screen rather than put a number on a slide.
The accounts
It is broader than an IRA.
People arrive at this thinking it is one account and one decision. Jeff walks through six of them, and the two most people have never had explained are the last two on this list. If you are self-employed, or you have a health savings account sitting in cash, or you opened something for a grandchild years ago and forgot about it, the same door is open.
- Traditional IRA
- Deduct now, grow tax-deferred, pay the tax on what you take out later.
- Roth IRA
- No deduction going in. Growth and qualified withdrawals come out tax-free, and your beneficiaries inherit the same treatment.
- SEP IRA
- For the self-employed and small practices. Much higher limits, and it self-directs the same way an IRA does.
- Solo 401(k)
- Self-employed with no full-time staff. Traditional and Roth sides, chosen year by year.
- Health savings account
- The rare three-way break. Deductible going in, growth untaxed, and untaxed again on the way out for qualified medical costs.
- Coverdell ESA
- The education account almost nobody mentions. Grows tax-free and distributes tax-free for qualified education costs.
Contribution limits move most years, so Jeff covers the current ones on the night rather than leaving a number on a page to go stale.
If you decide to
What opening one actually takes.
Nobody is asked to do anything on the night. But this is the question that always comes in afterwards, so here it is in advance. The account is quick. Moving the money is the part that needs lead time, and almost everyone underestimates it.
Open the account
About five minutesAn online application. Your details, your beneficiary, a signature. New accounts are usually processed within a business day, and the account number comes back by email.
Move money across
Five to seven business daysIRA to IRA, custodian to custodian, with no taxable event. You can move only what an investment needs and leave the rest where it is. Sell to cash before you file the request.
Or roll an old plan over
Two to three weeksFrom a former employer's 401(k). It starts with the plan administrator, not the custodian, and most of it still moves by paper check in the mail. Give it room.
Put it to work
Same day, once fundedA direction form authorizing the custodian, the document behind the investment, and the title on it written correctly. Then the money goes out.
Your guest
Meet Jeff Minnick.
VP, New Accounts · Directed IRA
Jeff spends his days walking investors through this very decision. What to move, how to move it, and what to watch for on the way. He has had the conversation you are about to have several thousand times.
Directed IRA is the tradename of Directed Trust Company, a licensed Arizona trust company examined each year by state bank examiners and audited by outside CPAs. It was founded in 2018 by Mat Sorensen and Mark Kohler, the team behind The Self-Directed IRA Handbook and the Directed IRA Podcast, and has been named to the Inc. 5000 several times over as one of the fastest-growing IRA providers in the industry, with more than a thousand five-star client reviews behind it.
He is not coming to sell you anything. He is coming to explain the account.
- What the account can and cannot hold
- Rollovers and transfers, step by step
- Prohibited transactions, in plain English
- Live Q&A, bring your own situation
The hour
How the evening runs.
Tight, useful, and finished on time. We start at 6:30. Jeff takes the first three quarters and the last stretch belongs to you. No hard stop while there are still hands up.
Where the money is now
Why almost all retirement capital ends up in the same handful of funds, and what that quietly costs over a working life.
The account, explained
What a Self-Directed IRA is, who actually holds it, what it can own, and how it differs from the IRA you already have.
Getting your money there
Rollovers and transfers, step by step. What is taxable, what is not, and the paperwork order that keeps it clean.
The rules that matter
Prohibited transactions, disqualified persons, UBIT and UDFI, plainly, with the examples that make them stick.
A worked example
How a real estate backed position behaves inside an IRA, walked through as an actual transaction rather than a diagram.
Live Q&A
Open floor. Your account, your situation, your questions, answered by the person who does this all day.
Come along if
This evening was built for you.
- You have an old 401(k) sitting with an employer you left years ago.
- You have an IRA earning a number you would rather not say out loud.
- You are 1099 or you own the practice, and nobody has walked you through a SEP or a solo 401(k).
- You have heard "self-directed" and assumed it was complicated, or risky, or for somebody else.
- You would like the money you retire on to have done something you are glad about.
Your host
Why we're the ones putting this on.
LegacyRx is a community of physicians and high-income professionals who decided not to be passive with their money. Its founder, Dr. Kyle Stephenson, has spent years building a portfolio of more than a thousand homes, the kind of real, occupied, income-producing property a Self-Directed IRA was built to hold.
We are not the custodian, and we take nothing for the account. We simply meet a great many investors who wish someone had explained this to them ten years sooner. So we asked Jeff.
Before you ask
The honest answers.
The things people email us about after they register, answered here so you do not have to spend a question on them during the Q&A.
Do I need to be an accredited investor to attend?
No. The evening is about how the account works, and it is open to anyone who wants to understand it.
Is this a pitch?
No. Jeff's hour is about the account, not about any one investment. Section five walks through a real transaction start to finish, because abstract examples teach nobody anything. If you leave and open a Self-Directed IRA to buy something else entirely, the evening did its job.
What if I cannot make it live?
Register anyway. We send the recording and the slides to everyone on the list. The Q&A is the part that does not really survive a recording, so come if you can.
Does moving my 401(k) trigger taxes?
Handled correctly, as a direct custodian to custodian transfer, no. Handled carelessly, it can. Telling those two apart is most of section three.
Can I use the 401(k) at the job I have now?
It depends on the plan, and only your plan administrator can tell you. Plenty of plans do not allow it while you are still working and contributing. More do than used to, and some allow part of the balance rather than all of it. It is worth the phone call.
Does the custodian check the investments for me?
No, and Jeff will tell you the same. A passive custodian reviews an asset for whether it can be held properly, not for whether it is a good idea. The homework stays with you, which is most of the reason this evening exists.
What does it cost?
Nothing. No cost, no obligation, and nobody will call you unless you ask us to.
Thursday, September 3, 2026
Sixty minutes that quietly change the next twenty years.
The account has been sitting there, available, your entire working life. This is simply the evening someone finally explains it. Seats are limited so the Q&A stays a real conversation.
6:30 PM ET · 60 minutes · Live on Zoom · Free
This session is educational and is not tax, legal, or investment advice. Please consult your own advisor about your circumstances. LegacyRx is not a custodian and does not provide custodial services. Nothing here is an offer to sell or a solicitation to buy any security.