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How to Invest with a Self-Directed IRA

  • joshlittle0
  • Jul 24
  • 2 min read

Updated: Aug 4

Legacy Investment Team Podcast

📅 Published: November 2022



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🏛️ Unlocking Hidden Potential in Your Retirement Accounts



In this episode, Josh Campbell and James Little welcome Mike Todd, President and CEO of IRA Innovations, for a deep dive into how self-directed IRAs can be used to invest in real estate — including multifamily syndications — with no taxes, no penalties, and full control.


Whether you’re tired of the stock market rollercoaster or want to diversify your 401(k), this episode is packed with clarity and actionable steps.




💡 Key Topics Covered:




✅ What is a Self-Directed IRA?



  • It’s not a separate account type (like Roth or Traditional), but a flexible custodian structure that lets you invest in real estate, syndications, private notes, and more.

  • The IRS doesn’t restrict you to stocks — your brokerage does.




✅ The Process: How to Use an Old 401(k)



  • Roll over your existing IRA or former employer 401(k) into a self-directed IRA.

  • IRA Innovations helps facilitate the entire transfer and investment process.

  • Funds can then be used to invest in properties directly from your IRA, without penalties or taxes.




✅ Investment Examples



  • Multifamily syndications (like Legacy Investment Team projects)

  • Private money lending

  • Residential or commercial rentals (with strict compliance rules)




✅ What You 

Can’t

 Do



  • No personal benefit: You can’t stay in the property, manage it yourself, or buy from disqualified people (parents, kids, spouses).

  • You can’t pay expenses or collect income personally — it all flows through the IRA.





📈 Why This Matters



Most people don’t realize they can invest their retirement money in tangible, cash-flowing assets outside of Wall Street. Mike breaks it down simply — this strategy gives investors more options, better returns, and increased control over their financial legacy.


“The law doesn’t limit you to stocks — your custodian does. You can invest in real estate, syndications, and more… legally, tax-deferred, and securely.” — Mike Todd, IRA Innovations



📞 Want to Learn More?



Whether you have an old 401(k) collecting dust or you’re ready to partner on your next investment, we can help walk you through how to make the most of your retirement accounts.


✅ Schedule a call at LegacyInvestmentTeam.com

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