Creating Powerful Retirement Accounts for Business Owners and Real Estate Investors

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Creating Powerful Retirement Accounts for Business Owners

and Real Estate Investors

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�RELATIONSHIPS

� IDEAS

�OPPORTUNITIES

�NOT a sales pitch

�NOT investment, legal, or tax advice

Begin with end in mind

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Today’s agenda

� Strategies to pay yourself instead of the IRS

� Learn to create tax-free income and retire younger than you thought possible

� Learn to access your retirement account at any age TAX-FREE & PENALTY FREE

� Learn special tax and investing tips for the self-employed

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DAVID CAMPBELL – professional investor / developer www.HasslefreeCashflowInvesting.com

KAAREN HALL – president of uDirect IRA Services www.uDirectIRA.com

AMANDA HAN, CPA – tax strategist www.KeystoneCPA.com

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www.HasslefreeCashflowInvesting.comDavid@HassleFreeCashflowInvesting.com

Former high school band director Self-made multi-millionaire

Real estate investor / developer / broker / managerFinancial educator / author / speaker

Faculty Member: Investor Summit at Sea with Robert and Kim Kiyosaki

David Campbell - FounderHassle-Free Cashflow Investing

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Road Map

�Assessment of goals

�Assessment of resources

�Strategy

�Tactics

� Implementation

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Generalist vs Specialist

TaxLegal

Financing

Brokerage

Property Management Accounting

Due Diligence

IRA

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Quantity of capital versus velocity of capital

Passive Income = Capital x ROI

$50,000 = $2,500,000 x 2%

$50,000 = $1,000,000 x 5%

$50,000 = $500,000 x 10%

$50,000 = $250,000 x 20%

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$ 29,959.92 $ 11,242.90 30

$ 19,040.07 $ 8,142.57 25

$ 10,803.85 $ 5,440.20 20

$ 6,130.39 $ 3,634.70 15

$ 3,478.55 $ 2,428.41 10

$ 1,973.82 $ 1,622.47 5

$ 1,000.00 $ 1,000.00 0

12% but tax deferred inside

IRA

12% with tax outside iRA

Year

Why tax deferral is so important

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The average American spends more money in taxes than they do in food, clothing, and shelter combined.

How Much Do We Lose to Taxes?

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Company Logo(877) 975-0975

KEYSTONE CPA, INC. Maximizing Profits & Increasing Wealth

www.KeystoneCPA.com

AS SEE

N ON:

(877) 975-0975

www.KeystoneCPA.com

12(877) 975-0975 www.KeystoneCPA.com

Tax Rates

Taxes 2012 2013

Federal Income

Tax

35% 39.6%

State Income Tax 10% 10%

Payroll Tax 15% 15%

Capital Gains Tax 15% 20%

Estate Taxes 35% 55%

New Taxes ??

13(877) 975-0975 www.KeystoneCPA.com

Unearned Income Medicare Contributions Tax

….Wow, that’s a mouthful!

-Imposed on Net Investment Incomea. Interestb. Dividendsc. Royaltiesd. Rentse. Income from Passive Activitiesf. Gain on Sale of Certain Assets

-Brand New Tax = Another 3.8%

-Effects Taxpayers with Income over $200,000 / $250,000

New Taxes

14(877) 975-0975 www.KeystoneCPA.com

Hospital Insurance Tax….Another Innovative Brand New Concept

-Brand New Tax = Yet Another 0.9%

-Effects Taxpayers with Earned Income over $200,000 / $250,000

-Imposed on Earned Income in Excess of Above Thresholds

a. W-2b. Income from Sole Proprietorship (Sch. C)c. Self-Employment Incomed. ALL Actively Earned Income

More New Taxes

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Real Estate Investments

(877) 975-0975 www.KeystoneCPA.com

16(877) 975-0975 www.KeystoneCPA.com

Retirement Plan Strategies

17(877) 975-0975 www.KeystoneCPA.com

Tax Free Income for Life

18(877) 975-0975 www.KeystoneCPA.com

PERSONAL

INVESTINGBUSINESS

What Now?

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KaarenKaaren Hall, PresidentHall, President

uDirectuDirect IRA Services, LLCIRA Services, LLC

(866) 538(866) 538--35393539

KHall@uDirectIRA.comKHall@uDirectIRA.com

uDirect IRA Services, LLC

2522 Chambers Road, Ste 100

Tustin, CA 92780

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How to SelfHow to Self--Direct Your Retirement SavingsDirect Your Retirement Savings

uDirect IRA Services, LLC is not a fiduciary and does not render tax, legal, accounting, investment, or other professional advice. If tax, legal, accounting, investment, or other similar expert assistance is required, the services of a competent professional should be sought.

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Types Of SelfTypes Of Self--Directed PlansDirected Plans

IRAsIRAs Qualified PlansQualified Plans Other PlansOther Plans

TraditionalTraditional 401K/ 457/ 403b401K/ 457/ 403b CoverdellCoverdell

RothRoth Defined BenefitDefined BenefitHealth Savings Health Savings

AccountAccount

SEPSEP Profit SharingProfit Sharing

SimpleSimple Individual KIndividual K

SpousalSpousal

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How Do I SelfHow Do I Self--Direct?Direct?

1.1. Complete an applicationComplete an application1.1. Provide copy of driverProvide copy of driver’’s licenses license

2.2. Copy of statementCopy of statement

2.2. Fund your accountFund your account1.1. Annual ContributionAnnual Contribution

2.2. TransferTransfer

3.3. RolloverRollover

3.3. Tell us what you want to invest inTell us what you want to invest in

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For More InformationFor More Information

KaarenKaaren Hall, PresidentHall, President

uDirectuDirect IRA Services, LLCIRA Services, LLC

(866) 538(866) 538--35393539

KHall@uDirectIRA.comKHall@uDirectIRA.com

uDirect IRA Services, LLC

2522 Chambers Road, Ste 100

Tustin, CA 92780

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Taxmeggedon Event

�Thursday – August 23 �12-1pm California

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DAVID CAMPBELL – professional investor / developer David@HasslefreeCashflowInvesting.com

KAAREN HALL – president of uDirect IRA Services KHall@uDirectIRA.com

AMANDA HAN, CPA – tax strategist AHan@KeystoneCPA.com