Directed Equity IRA and 401(k) Retirement
Franchise and Business Funding
If you are looking for information on the Directed Equity, self directed IRA, self directed 401k rollover plans, business capitalization, franchise capitalization program, entrepreneur capitalization program, franchise funding, business purchase, buy real estate using retirement funds, IRA rollover, 401k, 403b, no taxes or penalties program, then you have come to the right place.
- Business Franchising Opportunity Information
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- Purchase, start and own a multi unit franchise investment
- Starting, purchasing and becoming a small business owner
Business Capitalization Programs
Directed Equity has developed programs to help entrepreneurs and franchisees open and capitalize their new business. Each of our programs is designed to allow new business owners use of retirement plan money to start a business without the taxes and penalties that can cost up to 50% of the money if taken as a distribution.
Franchise Capitalization Program (FCP)
If you are considering the purchase of a franchise and you have money in a 401K, IRA, profit-sharing, or annuity plan, the Franchise Capitalization Program will allow you to use money locked in your plans to capitalize your franchise business. The money can be used for the initial franchise fee, equipment, build-out, working capital or other expenses. We have designed the program to integrate seamlessly with franchise selection and award processes, allowing quick and easy access to the money required to start your franchise business.
Entrepreneur Capitalization Program (ECP)
If you are considering starting a new business or the purchase of an existing business and you have money in a 401K, IRA, profit-sharing, or annuity plan, the Entrepreneur Capitalization Program will allow you to use money locked in your plans to capitalize your new business. The money can be used for licensing fees, product development costs, equipment, working capital or other expenses. We have designed the program to allow quick and easy access to the money required to start or purchase your business.
How do our programs work?
The core of our programs is a retirement plan and trust. This plan contains special language that specifically allows the investment of plan funds in qualified, closely held corporate stock. Use of our program allows your new business to raise startup capital through the sale of corporate stock to your new retirement plan. Your new company will then have the money to pay franchise or license fees, perform product development activities, purchase property and equipment, or for working capital without the burden of interest, taxes or penalties.
Benefits
Speed...
Directed Equity's Business Capitalization Programs are the fastest way to start making a profit. You can fund your new business in days, not weeks or months. The money you save in interest on loans, and taxes and penalties from distributions, will allow you to become profitable much more quickly than if you fund your business from a bank.
Ease...
Directed Equity's Business Capitalization Programs are the easiest way to start making money. There are no applications, endless forms or long approval processes to navigate through. There is no need for collateral, so you will not have to borrow against the equity in your home or other assets. There are no bankers or outside investors to answer to, so you have full control to run your business as you see fit.
Edge...
Directed Equity's Business Capitalization Programs are the smartest way to save and protect your money from the taxes that eat away at your hard-earned profits. The Programs allow you to use your retirement funds as an initial business investment. Under 2005 tax laws, the Programs allow you as an individual to continue to contribute up to $14,000 per year into your newly created 401(K) plan. In addition, if your new company makes additional employer contributions, a maximum of $42,000 per year can be saved on a tax deferred basis. The money can be invested in stocks or mutual funds for retirement or reinvested to open additional stores, locations, or other businesses.
Four Easy Steps
The Franchise Capitalization Program consists of four easy steps. We will prepare and submit all of the documentation required to create your new corporation, adopt your new retirement plan, assist you in the transfer of your existing retirement funds, and sell new corporate stock to your retirement plan.
What will the IRS or Dept. of Labor say?
Our program integrates each and every component required by law to comply with all applicable ERISA and IRS code sections pertinent to this type of transaction. These transactions are clearly within the letter of the law as spelled out in the Employee Retirement Security Act of 1974 (ERISA).
IRS Letter of Determination
To complete our program, we will obtain a letter of determination from the IRS approving your new retirement plan and the use of these funds in this way for each of our clients.
Frequently Asked Questions
Is this legal?
The concept of rolling over your retirement funds into your own business is authorized by statute. This statute was put into place with ERISA - the Employee Retirement Income Securities Act of 1974. Our program is a proven and efficient way to convert your retirement funds into a business of your own without penalties and taxes. The team at Directed Equity, Inc. will guide you expertly through the process to ensure that your transaction meets statute and is approved by the IRS.
What kinds of retirement funds qualify for these programs?
Defined Benefit Plans, Cash Balance Plans, 401(k) Plans, Money Purchase Plans, 403(b) Plans, SEP's, SIMPLE Plans, IRA's, 457 Plans, Annuity Plans, Rollover Plans, Employee Stock Ownership Plans, Profit Sharing Plans.
Are there any kinds of retirement plans for which this will not work?
457 plans for nongovernmental agencies and distributions of death benefits from an IRA other than a spouse.
What types of people use Directed Equity, Inc.'s services?
Anyone who has a retirement fund and is interested in opening a business can benefit from our services. We help individuals start new businesses, purchase franchises, purchase existing businesses, and, in some instances, raise capital for existing businesses.
Can I rollover my 401(K) plan from my current employer?
Generally, no. You must terminate, or be about to terminate your employment.
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