real estate investing 2011 final

7/28/2019 Real Estate Investing 2011 Final

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Guide to Real Estate Investing

with a Self-Directed IRA

Everything You Need to Know from A to Z


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Ater completing a successul real estate transaction, do you dread writing the check that

must go to the IRS or taxes? Do you ever wonder how many more properties you could buy

i your prots werent split with the government because o taxes? Do you ever turn down

protable deals just because you dont have the unds available at the drop o a hat?

It doesnt have to be that way.

Handing a sizeable portion o your prot over to the IRS is a thing o the past. Realizing tax-

ree or tax-deerred prots on real estate and alternative asset investing is a reality today.

Government sponsored retirement plans such as IRAs

and 401(k)s allow you to invest in almost anything (including real estate),

not just stocks, bonds and mutual unds.

And all the benets those plans provide, tax-deductions and

tax-ree growth, apply to whatever investment you choose.

The crippling eect that taxes have on your prots isnt the only roadblock to successul real

estate investing. A lack o available unds can orce you to pass on a multitude o protable

deals. With $4.8 trillion in IRAs and 401(k)s, you have a virtually untapped unding resource

available or all your deals.

In this special report, well take you step-by-step through everything you need to know about

using a sel-directed IRA to realize your real estate investing dreams. Youll learn all the details

so that you can take advantage o the wonderul opportunities oered by a truly sel-directed

IRAnamely tax-ree prots on a ull range o real estate investments, including tax liens,

mortgages, oreclosures, options, and many others. Well even show you how to tap into a

nearly unlimited source o unds or your real estate deals.

Beore we dive into the deep end, though, well cover the basic inormation necessary to

provide a solid understanding o one o the most powerul wealth-building tools available

to you.

First well show you the importance o having an IRA and the benets a sel-directed IRA oers

you. Well then reveal the details o how real estate investing works with your IRA including a

step-by-step example o how a real estate IRA investment works. Finally, well help you decide

which type o IRA is best or you and how to get started today.


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What is an IRA and How Does it Beneft You?

Simply put, an IRA is a retirement account that has been given certain tax advantages by the

IRS. This means that any prot you can generate within an IRA will not be eaten away by taxes

as you grow it.

Thanks to their tax-advantaged status, IRAs are a perect investment vehicle as they can give

you the ull power o compounding interest. Normally, your investment returns are reduced

by taxes on yearly basis. You may take two steps orward in prot but at the end o the year

you have to take a step back and pay Uncle Sam. I the same investment is done within an IRA,

though, youre always moving orward.

And these special tax advantages arent the only way you benet rom using your IRA or your

investments. Retirement plans are typically given special protections rom creditors and can

be very useul or asset protection purposes. When structured properly, you can even pass on

your hard-earned prots or generations to come.

Tax-Free Scenario: The Power o Compound Interest

Lets look at an example that illustrates the power o a tax-deerred environment. In this

example, we have a man whos 35 years old and contributes $2,000 annually to his traditional

IRA, until the age o 65. These 30 contributions total $60,000.

Assuming a 10% annual rate o return, this individuals IRA at age 65 will be worth over

$400,275!

Remember, this example is based on contributions to a traditional IRA. A traditional IRA

is unded with beore-tax dollars, which, in most cases, are tax deductible, and taxes aredeerred until unds are distributed.

An even more powerul investment vehicle is the Roth IRA. With the Roth, contributions are

made with ater-tax dollars, so you dont receive a deduction, BUT your earnings will not be

taxed when you make a qualied distribution.

Imagine making the same deals youre currently making, but receiving your prots tax-

deerred or tax-ree! All simply by using your IRA or your investment.

Taxable Scenario: The Loss o Compound InterestNow, lets look at the same investment made outside the IRAs tax-deerred environment. Welluse the same assumptions as above, except the individuals investments would be subject to

a 28% annual tax rate. The total value in the same individuals account at age 65 would be just

$227,220.


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trustees dont permit IRA owners to invest IRA unds in real estate. IRA law does not prohibit

investing in real estate but trustees are not required to oer real estate as an option.

I your retirement nest egg is dependent on your investment knowledge, then you should be

able to invest in what you knowwhether its real estate, tax liens, mortgage notes, or stocksand bonds.

Only a truly sel-directed IRA custodian will allow you to invest in all orms o real estate or any

other investments not prohibited by the IRS with an IRA.

See How Your Real Estate Investing Can Get Superchargedwith a Sel-Directed IRA

John is a real estate investor and an Equity Trust client. While searching or investment

properties, he discovered a two-bedroom home that he was able to purchase or $24,000.

Recognizing that this would be a good deal or his retirement account, John instructed his

custodian (Equity Trust) to purchase the property on behal o his IRA.

The property needed improvement so that it

could be rented out, and John instructed Equity

Trust to submit $7,500 rom his IRA to a general

contractor. Ater repairs were complete, the home

was put on the market as a lease-to-own property

and was rented out or one year at $10,000.

The rental income owed directly into Johns IRA.

During this time, John added a third bedroom

that cost approximately $20,000, paying or it out

o his Equity Trust IRA. The ollowing year, Johns

tenant qualied or nancing and Johns IRA sold

the home or $135,000.

Lets take a look at how this deal worked out or John.

With the $24,000 initial purchase price and $7,500 in x-up expenses, plus $20,000 or the

addition, John had total expenses o $51,500 in the deal. He had $10,000 in rental income

and netted $135,000 on the sale, or total income o $145,000. Ater expenses, John realized a

$93,500 prot!

This prot remained in Johns IRA at Equity Trust, ready to be invested in the next deal he

ound. I hed done the same investment outside o his IRA, using personal money, John

wouldve paid 28% in ederal, state and local taxes.

The dierence or John, in just this one deal, was $26,180!

Purchase Price: $24,000

Rehab #1: $7,500

Rental Income: $10,000

Rehab #2: $20,000

Final Sale Price: $135,000

Tax-Free Proft: $93,500


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Raise Unlimited Capital or All o Your Real Estate DealsUsing Sel-Directed IRAs

One o the most common stumbling blocks to investing is not having enough cold, hard cash

to act quickly to participate in hot deals. Imagine being able to create a unding source rom

which you can easily and quickly draw on unds to nance your investments. You can by using

the private bank concept.

Recent estimates place over $4 trillion within IRAs, 401(k)s and other qualied programs

across the country. These unds can become available to you through sel-directed IRAs.

The private bank concept is borrowing money rom an individuals IRA (not a nancial

institution) or investments. For example, an investor can borrow money rom someone elses

IRA to complete an investment and pay the IRA back an amount o interest that is agreed

upon in advance. Since IRAs are an exempt entity, interest earned on the money loaned is tax-

ree or tax-deerred depending on the type o IRA.

Lending institutions, insurance companies and venture capitalists have been using similar

concepts to raise money or years. By utilizing sel-directed IRAs, you can apply this concept to

your investments, allowing you to become more protable and stay ahead o the competition.

How to Create Your Own Private Bank in Three Easy Steps

The ollowing is a Private Bank example using real estate, but this concept can be used with

other investments such as notes, tax liens, and private placements.

1. Find an investment property and negotiate a 75% or less loan-to-value ratio to give your

investors saety or their investment. Build in enough gross prot to pay your investorsan attractive rate o return. Remember, its not the cost o money but the availability o

it thats important. Finally, leave yoursel enough time, through a contingency clause, to

nd your investors.

2. Present the deal to potential investors, such as business acquaintances and local

proessionals (e.g., doctors, lawyers, and business owners). Its important that you oer

an attractive rate o return and explain the security they have in the transaction by

oering them the rst lien on the property. Remind your potential investors that, in

addition, their returns will be able to grow in a tax-deerred or tax-ree environment,

depending on which type o IRA they have.

3. Now that you have the investment and investors in mind, the nal step is to open an

Equity Trust sel-directed IRA or each investor.

Once your investors have established their accounts and the particulars o the investment

have been agreed upon youre ready to utilize these unds or your investing strategy.


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Private Bank Advantages

Allows you to participate in more deals

More deals = More prots

Youre able to oer cash or investments to receive deep discounts Beat out your competition

Free up personal money or personal needs

What You Avoid by Creating Your Own Private Bank

Lengthy committee approvals

Bureaucratic red tape

Potential credit risks

Tying up your personal unds

IRA

Doctor Friend

IRA

Business Owner

IRA

Relative

IRA

Attorney

IRA

Your

Private

Bank

Investments


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Making a Sel-Directed IRA Work or You

Among all o the possible investments available with a sel-directed IRA, the most popular by

ar is real estate. Equity Trust Company was ounded by a real estate investor who knew just

how protable real estate investments could be when coupled with a tax-ree investment

vehicle. To this day, a majority o the transactions that we see come through our doors are

related to real estate.

Under the umbrella o real estate investments theres a wide range o investment possibilities

depending on your level o experience and desired level o involvement.

Residential real estate is certainly a popular choice or investors, both inside and outside o

IRA accounts. The good news is that making an IRA investment in this type o real estate is

virtually the same as doing the deal with non-IRA unds. You still control what property you

buy, negotiate the purchase price, oversee any repairs or upgrades needed, screen tenants or

buyers and draw up the necessary contracts or sale or lease.

The main dierence is that you have someone signing all the documents and cutting the

checks or you. You just tell us what to do and we do it. We, as the custodian or your IRA, take

all o our instruction rom you directly. We even give you ull online access to your account to

help simpliy the management o your investments.

I you preer to be more hands-o with your investments, but still want your money in real

estate, there are options or you as well. Passive real estate investments are on the rise as

many investors are looking or alternatives to traditional markets. Promissory notes backed by

real estate are a growing area o real estate investing and a sel-directed IRA provides an ideal

vehicle or this investment.

By using your IRA to und notes and mortgages, youre essentially turning your retirement

account into a bank. And as the head o this bank you get to decide who gets to borrow your

money and what the terms o the loan are. You set the interest rate, repayment schedule and

penalties or non-perormance.

These are just two o the many ways you can use your IRA or investment in the real estate

market. I your interest lies in tax liens, short sales, commercial real estate or any other niche,

dont worry. By taking advantage o a truly sel-directed IRA you can grow your account

through whatever method you choose.

So how does it really work?


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Real Estate Investments Are Virtually Endless in a

Sel-Directed IRA

The beauty o a truly sel-directed IRA is that yourinvestment possibilities are virtually endless. No

matter where your expertise lies (in real estate or

anything else), you can use your unique knowledge

and experience to ensure your nancial success.

Below is a list o just a ew o the options you have

with a sel-directed IRA.

Residential real estateincluding apartments,

single amily homes, and duplexes

Commercial real estate Undeveloped or raw land

Real estate notes (mortgages and deeds o trusts)

Promissory notes

Private limited partnerships, limited liability

companies, and C corporations

Tax lien certicates

Foreign currencies

Oil and gas investments

Publicly traded stocks, bonds, mutual unds Private stock oerings, private placements

Judgments/structured settlements

Gold bullion

Car paper

Factoring investments

Accounts receivable

Equipment leasing

But dont let this list limit you. As long as you ollow

the rules set orth by the IRS, nearly any investment

can be held within an IRA.


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Step by Step Guide to Real Estate in Your IRA

1) Establish an account with a sel-directed IRA custodian who will accept real estate

investments Equity Trust Company.

Establishing an account with a sel-directed IRA custodian is easy and usually takes around

10 minutes to complete by lling out a simple application.

But beore you begin lling out an application, there are number o things you should

review with any potential sel-directed IRA custodian. To help you, below is a checklist o

questions you should ask any custodian beore opening an account.

How long have you been in business?

What is your ee schedule? Do you have additional ees or certain transactions? Are

there hidden ees?

Do you provide education and support?

How are you regulated?

How are you insured?

Am I working with a branch ofce/ranchise or the main institution?

Will there be an account representative to assist me i I have questions?

What is the minimum initial investment?

Do you oer brokerage services?

Can I access my account online?

Answers to these questions will help you determine the best sel-directed IRA custodianor you.

2) Fund your account.

Next you have to und the account, and this is just as easy as opening the account. There

are two ways to und your account.

Contributions

You can contribute to your account through a check or wire transer, and contribution

limits range rom $5,000 - $50,000 depending on which account you choose.

Transer/Rollover In most cases, i you have an existing retirement plan such as an IRA, 401(k), or 403(b),

these unds can be transerred to a sel-directed IRA, allowing you to make real

estate IRA investments. Check with your current and previous employers regarding

transerring such qualied plans.


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3) Investing in Real Estate

Now that your sel-directed IRA is open and unded, the next step is to make your

investment. The ollowing is a basic example o a real estate investment process with a

sel-directed IRA investment.

Find an Investment Property, Negotiate A Deal

In this example, you have enough money in your sel-directed IRA to purchase the

property outright. Ater settling on a purchase price or $125,000, youll have to sign a

purchase agreement.

Special Note: At this stage youre able to act as agent for your IRA and sign the purchase

agreement (this isnt the case later). This is the only time you can sign documents on behalf of

your IRA.

One o the most common mistakes (and cause o delays) in real estate IRA investing

is improper titling o the investment documents. Beore a title company draws up

documents or you create a purchase agreement, make sure everyones aware o the

proper titling. Frequently, the IRA owners personal name is incorrectly put on the title o

the property or in a purchase agreement.

Remember, you and your IRA are two separate entities, and as such, the property needs to

be titled in the name o your IRA and not you personally.

The correct title or most real estate IRA investments is: XYZ Trust Company custodian

FBO (or beneft o ) Your Name IRA

Ive Signed a Purchase Agreement, Whats Next?

To complete the agreement, you need to provide earnest money to the seller. Since

youre purchasing the property outright, you agree to provide the seller with $500 or

consideration. You cant use personal unds or the earnest moneyall unds related to

your purchase must come rom your sel-directed IRA.

You need to instruct your custodian to send the money on behal o your IRA. Oten, this

is completed by lling out a Real Estate Direction o Investment (DOI) orm to remit unds

($500) to the seller or earnest money. This orm tells the custodian the specics on the

property youd like to buy, how much money you need, and where to send the unds.When submitting your DOI, please include a copy o your purchase agreement.


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Preparing or Closing

Ater signing the purchase agreement and providing earnest money, youre ready to meet

with a title company or closing attorney to draw up documents or the closing.

Youll need to submit another request or unding (similar to the one submitted or theearnest money) or the remaining price o the property to close.

Funds are Remitted rom Your IRA

With everything in place, unds will be remitted to the title company or closing attorney

or your new property.

Your IRA Owns the Property!

Ater ollowing the simple steps above, youre ready to enjoy tax-ree or tax-deerred prots!

4) What happens ater your IRA owns the property?

Now that your IRA has purchased the property, you need to remember two things:

Expenses: Any expenses associated with the property (maintenance, improvements,

property taxes, condo association, general bills, etc.) must come rom the IRA.

Cash Flow/Prots: All prots must return to the IRA, meaning all income (rent) and

prots (selling o property) are deposited back into your IRA account tax-ree!

Your Investment

Expenses Relatedto Investment

from Investment

Your Equity Trust Account

$You

Thats all there is to it. Its as simple as 1-2-3. In no time at all you can be investing in real

estate, receiving tax-ree or tax-deerred prots or the rest o your lie.


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Heres How to Get Started

What IRA Plan Will Fit My Needs?

When youre ready to jump in and take advantage o tax-ree prots on your real estate deals, youll

have many dierent IRAs to choose romboth individual and small business plans (and youllnd out later that, as a real estate investor, you most likely qualiy or the small business as well as

individual plans).

The most popular individual plans are the traditional IRA and the Roth IRA. Both plans oer tax

advantages to help you save money or retirement, but they dier in a ew ways.

Traditional vs. Roth

By asking one simple question, most people have a better idea which plan is right or them. Do you

want to pay taxes on the seed or the crop?

In both plans, your investment prots are growing tax-ree but the dierences are when you receive

the tax-advantages to the principal investment and yearly contributions. With a Roth IRA you dont

receive a tax deduction on your yearly contributions, but when you take your money out o the

account you dont have to pay any taxes. A traditional IRA gives a tax deduction every year based on

your contribution, but youll have to pay income tax when you take your money out o the account.

Which Plan Should I Enroll In?

I you preer to get deductions over the years as your investment grows, then a traditional IRA

is probably your best choice. I you dont want to pay taxes when you take your money out (the

distribution), then the Roth IRA (and its tax-ree distribution) is right or you.

The Roth IRA has a special qualiying income requirement, though. In 2012, you may only contribute

to a Roth IRA i you have taxable compensation and your modied adjusted gross income (MAGI) is

less than $125000 ($183,000 i youre married and le a joint return, and $10,000 i youre married,

lived with your spouse and le a separate return). ROTH CONVERSION NOTE: As o January 1, 2010,

the previous income limits or converting to a Roth IRA were lited allowing many who didnt qualiy

in the past to complete a conversion and enjoy the advantages o a Roth IRA.

Dont worry i you dont qualiy to open a Roth IRA, later youll discover a plan (Roth Individual(k)) that

has Roth advantages without the income limits.

The table on the ollowing page highlights the dierences between the Roth and Traditional IRA,

helping you decide which plan is right or you.


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Comparison o Traditional and Roth IRA Plans

Traditional IRA Roth IRA

Description

Government savings plan that

oers tax advantages or individuals

to set aside money or retirement.

Contributions are made with pre-tax

dollars.

Government savings plan that oers tax

advantages or individuals to set aside

money or retirement.

Contributions are made with

ater-tax dollars.

Tax Advantages

Possible tax deductions or contributions.

Account balances compound tax-

deerred until unds are withdrawn.

Account balances compound tax-

deerred. BUT unds that are withdrawn

are tax-ree i account is ve years old and

account owner is over 59 1/2.

Maximum

Contributions

100% o earned income, up to $5,000 in

2012. Plus an additional $1,000, i age

50+. Total o $10,000 or married couples

in 2012. (Contribution limits are reduced

by any contributions made to a Roth IRA.)

100% o earned income, up to $5,000 in

2012. Plus an additional $1,000, i age

50+. Total o $10,000 or married couples

in 2012. (Contribution limits are reduced

by any contributions to a Traditional IRA.)

EligibilityIndividuals must be under 70 1/2 and

have earned income*.

Individuals must have earned income*

and adjusted gross income less than

$125,000 or single, $183,000 or married

couples.

Tax Deductions on

Contributions Yes No

Penalties or

Early Withdrawal

10% penalty or withdrawals beore age

59 1/2.

10% penalty or withdrawals beore 59

1/2. (Note: Initial Roth contributions

can be taken out at any time without

penalty.)

Exceptions or

10% PenaltyYes Yes

Maximum Age to

Make Contributions70 1/2 No Limit

Required

Distributions

Yes. Minimum withdrawals begin ater

the age o 70 1/2.None

*Earned income is dened as the salary or wages you receive as an employee. I youre sel-employed, earned income is your net

income or personal services perormed. Passive income such as interest, dividends, and most rental income is not considered earned

income or the purpose o unding an IRA.


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I you have any questions about this section or

sel-directed accounts in general, please contact an

Equity Trust Retirement Plan Specialist at 888-ETC-IRAS (888-382-4727).Equity Trust will help you decide the right plan or your uture.


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Higher Contributions and Higher Deductions With Other Popular Retirement Plans

In addition to the Traditional and Roth IRAs, there are a number o other plans or individuals

and small businesses that are perect investment vehicles (i.e., tax-ree or tax-deerred prots) or

investors interested in real estate and other alternative assets.

As a real estate investor, you qualiy or SIMPLE, SEP, Individual(k) and Roth Individual(k) plans. While

some o the plans seem only appropriate or just small businesses, its important to note that real

estate investors, like you, qualiy or these plans in addition to a traditional or Roth IRA.

The advantages o these plans are larger contribution limits and larger tax-deductions, plus your

spouse, i employed, is eligible to participate. The best part is that you can still contribute to standard

individual plans like a traditional or Roth IRA in addition to a small business plan like a SIMPLE or SEP.

The ollowing pages include descriptions o each plan and tables to help you determine which plans

are right or you. Beore you get to those pages here is a quick guide to the plans:

SIMPLE

The SIMPLE is popular with investors that pay themselves $45,000 or less and do have employees.

Participants can contribute up to $11,500 annually ($14,000 i youre 50+) while the employer can

match 1-3% o salary.

SEP

The SEP allows or contribution amounts up to 25% o your salary, with a maximum o $50,000. The

downside o the SEP is that it requires the same contribution percentage or all employees. I you

have employees, the SEP could be cost prohibitive.

Individual(k)

The Individual(k) is oten the most attractive plan to investors, i they qualiy, because it combines

elements o the SEP and SIMPLE. You can make a salary deerral contribution o $17,000 annually

($22,500 i youre 50+), plus a prot-sharing contribution o 0 25% o your salary. The total rom

both sources cannot exceed $50,000 ($55,500 i youre 50+).

Roth Individual(k)

The Roth Individual(k) has the same benets as the standard Individual(k) (Contribute $17,000 or$22,500 in catch-up through salary deerral) but with a similar tax treatment to the Roth IRA (i.e.,

tax-ree distributions). This plan benets high-income individuals who cannot qualiy or a Roth IRA

because o income limits. The table on the ollowing page highlights the dierences between the

SIMPLE, SEP, and Individual(k).


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Summary o SEP, SIMPLE, and Individual(k) Plans

SEP SIMPLE Individual(k)

Description

Specically designed or

sel-employed people and

small business owners who

typically employ ewer than

25 employees.

Designed or small

businesses with 100 or

ewer employees. The plan is

unded by elective employee

salary deerral and by

employer matching

contributions.

The Individual(k) was created in2002 to enable sole proprietors

to set up and contribute to a plan

oering the same benets as the

conventional 401(k). It is only

appropriate or a sole proprietor

or a business (either a partnership

or corporation) in which only

the owner(s) and spouse(s) are

employees.

Employer

Contributions

Required uniorm % o each

employees pay (0-25%).

Employer is required to make

either an annual matchingcontribution between 1%

and 3% or an annual non-

elective contribution o 2%

o compensation.

The employer prot sharing

contribution limit is up to 25% o

pay, or 20% or sel-employed.

Minimum

Coverage

Requirements

Plan must cover all employees

who earn at least $550, are at

least 21 years o age and have

worked or employer in 3 o

the last 5 years.

Plan must cover all

employees who earn at

least $5,000 in the current

year and have received at

least $5,000 during any two

preceding years.

Plan can only cover owner(s) and

spouse(s).

Employee

ContributionsNot Permitted

Up to $11,500 in 2012. (I age

50+, $14,000.)$17,000 ($22,500 i 50+)

Maximum

Total Annual

Contributions

25%, up to a maximum o

$50,000 or 2012.

Maximum employee

contribution o $11,500 in

2012 (i age 50+, $14,000).

Employer matches up to 3%

o salary.

$17,000 ($22,500 i 50+) and 0 -

25% o salary, up to a maximum o

$50,000 or 2012 ($55,500 i 50+).

Deductions

Contributions are generally

tax deductible or the

business.

Salary deerral contributions

are generally deductible or

the employee, matching

contributions or the

employer.

Salary deerral contributions may

be deductible or the employee,

matching contributions or theemployer.

Withdrawals /

Distributions

(Follows

Traditional IRA

Regulations)

Permitted subject to tax and,

i under 59 1/2, potential 10%

penalty.

Permitted, however, i under

age 59 1/2, potential 10%

penalty. (25% penalty i

account is less than 2 years

old.)

Permitted subject to tax and,

i under 59 1/2, potential 10%

penalty.


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Take Control o Your Future with Equity Trust Company

Now that youve learned the advantages o using a sel-directed IRA as a vehicle or your real estate

investments, theres just one thing let to do, call Equity Trust Company and get started!

Equity Trust is Your BEST Choice More than 35 years experience assisting investors to create tax-ree wealth

Founded by a real estate investor, or real estate investors

Management o over $11 billion in IRA assets

Knowledgeable sel-directed IRA specialists ready to serve clients

Personalized account management teams or every client, including their own personal toll-ree

number to ensure personalized attention or every call

Low, all-inclusive ee schedule clients dont pay ees on every transaction

Online account management 24 hours a day, seven days a week with eVANTAGE, the industrys

rst online account management tool or sel-directed IRAs pay bills, ll-out orms, download

inormation into Quicken or money nancial sotware programs, and check account status

anytime, rom anywhere

Quick and accurate investment processing (99.2% o transactions reviewed in 24 hours) with

incredibly ast turnaround times

Online trading through our afliate, MidOhio Securities, member NASD/SIPC

Highly regulated clients can trust Equity Trust with their investments

92% o our clients are likely to reer riends and colleagues to Equity Trust (based on client

survey)

Best o all, Equity Trust will walk you through each and every transaction to make sure its

handled accurately and on time.

Ater reading this brie guide, youre now ready to get started with real estate investing in your sel-

directed IRA. Youve seen the unique advantages that an IRA oers and how it can benet you in

your real estate investments. But dont delay. Every day that passes is one less day your sel-directed

IRA can benet rom the Earths most powerul orce (at least according to Einstein), compounding

interest.


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Start Receiving Benefts Today!

For more inormation about sel-directed IRA real estate investing,

the plans and services available to you, and how to get started,

please contact Equity Trust Company at www.trustetc.comor 888-ETC-IRAS (888-382-4727).


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225 Burns Road, Elyria, OH 44035

888-382-4727

www.TrustETC.com

real estate investing 2011 final

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