Creative Capital Podcast 33: Retirement Account Investing with Clay Malcolm
Creative Capital
Josh Ferrari
4.9 • 62 Ratings
🗓️ 8 January 2021
⏱️ 52 minutes
🧾️ Download transcript
Summary
You've probably heard a lot about IRA but what is it really about and how is it a great investment plan for retirement? If you are a newbie or still looking for options and different strategies about investing and if saving up for retirement interests you, definitely listen to this show!
Today with us is Clay Malcolm of Advanta IRA. He is a veteran self-directed IRA custodian, educator and investor. Clay brings up a lot of great points and a more detailed perspective from what he sees of different retirement investing and the opportunities that are there. Clay is absolutely the best resource for these core concepts.
We discuss topics like:
- What got you interested in real estate?
- Why would we invest through our retirement account if we can just use cash?
- What exactly is a "self-directed" IRA? What's the difference between that and a regular IRA?
- What other avenues are there for investing through retirement accounts, other than your IRA?
- Tell us about UBIT Tax. What is that & how do we avoid it?
- What is the primary retirement account that people use to invest in real estate? What are the pros and cons?
- Let's say someone wants to invest in a deal I have, right now, through their retirement account. What is the process like to do that and how long does it take?
- Can I benefit from the depreciation because I'm being taxed? How does that work?
- Do you have any recommendations/comments on what the proper balance should be between retirement investing and cash investing?
Pod Decks Segment.
"Core Four" Segment.
- Favorite Real Estate Related Book.
- Unique skill that helped you become successful.
- Tell me something that's true about real estate that almost nobody agrees with you on.
- One piece of advice you would give to our listeners wanting to succeed in real estate investing
Resources:
- https://www.advantaira.com/
- Phone number: 470-695-0620
- Email address: CMalcolm@AdvantaIRA.com
For more information about Ferrari Capital visit us on our website @ https://www.ferraricapital.com
If interested in doing any deals with us and want to keep updated on any upcoming new deals, just sign up at the link below and you'll be in our investor list: https://www.ferraricapital.com/partnership
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Transcript
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| 0:00.0 | You're listening to the Creative Capital Podcast. You're dying to |
| 0:08.9 | how you can create wealth through real estate investing, then you |
| 0:11.7 | come to the right place. |
| 0:13.0 | Join in every week as we go over the ends and outs of real estate investing |
| 0:18.0 | and learn how you two can become financially free. |
| 0:21.0 | All of this stuff is happening within your IRA. |
| 0:25.0 | It does not affect your personal taxes at all. |
| 0:28.0 | This is completely a different world. |
| 0:30.0 | It's your IRA's financial world. |
| 0:31.0 | So it's not something that you can use on your personal taxes one way or the other. |
| 0:34.7 | What's going on everybody? This is Josh Ferrari, host of the Creative Capital Podcast. |
| 0:41.2 | Today, I know we posted an episode probably a couple of weeks ago at |
| 0:46.2 | this point that kind of dope deep into IRA investing and you know self-directed |
| 0:52.0 | and kind of a lot of the benefits and this episode is a little similar to that we talk with |
| 0:57.7 | Clay Malcolm he's a phenomenal guy he's been in the IRA space for over 10 years and he's been investing in real estate for about the same time probably been longer than that and he just got a ton of knowledge and a ton of expertise in in the space. He works with Atlanta IRA and he is a self-directed IRA custodian. |
| 1:16.7 | He's also like an educator being that he works for them. He has a lot of people |
| 1:20.3 | contact him and he just educates him on all the different real estate accounts that you can |
| 1:27.2 | actually invest through and kind of what the pros and cons of those are. And so we brought him on to get a more detailed perspective from what he sees of different retirement investing and the opportunities that are there. |
| 1:40.0 | And so it's definitely a different episode than the other one, even though it is a similar topic. He brings up a lot of great points. And, you know, we talked about what's the difference between self-directed in regular, you know, regular IRA, what are all the different accounts that you can invest in? |
| 1:55.0 | You know, that's why we kind of gave it the broad topic of Tyerman accounts as a whole. |
| 1:59.3 | We talk about U-bit tax. |
| 2:00.8 | It would go into a little bit more detail on the U-bit than we did on the previous show, kind of what the different reasons are that you would have to pay a U bit tax, and then we talk about how even though you're investing through your IRA and you might be you know you might succumb to needing to pay this this U-bit tax if you're using a leverage which you know 99% of the time, us real estate investors are always using leverage on a deal. |
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