By now, every employer and employee should be aware of this fact: 401(k) and 403(b) plans cost more than they should–many employers and employees are not getting the kind of education that shows them how to really cut their plan’s cost. Take these five easy steps to cut your plan’s cost, today.

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An IRA custodian is an important part of any account, but when it comes to the self-directed option, his duties are a bit different. Generally the IRA custodian will maintain the assets and conduct transactions, along with records pertaining to those transactions.

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Making self directed IRA investments can potentially allow you to live a well-funded long and happy retirement. Many people believe that IRA permitted investments are limited to stocks, bonds and bank certificates of deposit. You actually have many other options.

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The best Roth IRA investments depend on which market is performing well at the time and can be expected to continue to perform well in the future. The law regarding the Roth IRA limits your investment choices only slightly. There are many things that you can invest in that are often overlooked.

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IRA investments do not just have to be about stocks, bonds and mutual funds. If you open a self directed IRA account with an appropriate self directed IRA trustee, as its owner you are entitled to make your own investment choices, including investing in business or real estate opportunities.

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A lot of people think that the options for investing from within an IRA are by law, severely limited. That’s actually not the case.

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The Roth IRA is similar to the traditional IRA in terms of contribution limits per year but most of the other rules pertaining to the both are different. The Roth IRA allows qualified individuals to make after-tax contributions, yearly, into an investment account which will grow at a tax free rate. At retirement, individuals will be able to withdraw funds at a tax free rate.

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If you’re looking to maximize your contributions to a deductible retirement account, one thing is for sure! Few choices are looking as good as the Solo 401K these days.

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There are many success stories about self investing IRA money in less “traditional” investment vehicles. Many people would never think about investing 401K money in real estate, tax liens or anything else besides stocks and bonds. But, more and more experienced investors are realizing the benefits and growing truly tax-free wealth for their retirement.

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Unless you are careful about estate planning with IRAs, your beneficiaries can get blindsided with enough taxes to seriously deplete their entire inheritance! Your death will be enough for them to deal with, am I right? If you are careful today though, you will save them from hassles and headaches in the future. Here’s just a few of the things you need to consider…

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