401k/IRA Program 

 


QUESTION:
Did you know that you can utilize your Retirement Account to capitalize your business PENALTY FREE and
TAX DEFERRED?


QUESTION:
Do you have any retirement funds that are NOT with your current employer (such as 401k or IRA funds)?
IF YES:


ASK:
Do you have at least 35k in those accounts - minimum dollar amount required for a rollover
Money can be from multiple sources (i.e. one 401k and two IRA’s)


• Examples of qualified types of money are:
401k, IRA, 403b, 457, SEP, Pension Plans, Thirft Savings Plan (TSP - Military), Annuities, KEOGHS 


• The 401k/IRA funds cannot be with a current employer, they must be from a previous employer or they
must plan to leave their job.


ASK:
Is it a standard IRA (or traditional IRA)? - those are ok. It can’t be a Roth IRA or an inherited IRA.


OR
ASK:
If their spouse or a business partner has retirement funds (not tied to an employer).


ADDITIONAL INFORMATION:


• This is not a loan.
• This is not a distribution.
• They can use the money for ANY business expense AND to pay themselves or their employees a salary.
• If they need a SBA loan, they can use the funds from the rollover as the cash injection the bank requires.
• The funding method is called a ROBS Plan (Rollover as a Business Start Up), also known as a Self Directed
401k. This funding structure originated in 1974.
• We partner with a company that helps ALL our clients that are interested in exploring this type of
funding.

MoneyForYourBizNow.com