Self-Directed IRA Investing
Use retirement funds to invest in Central Florida real estate — tax-advantaged.
A self-directed IRA (SDIRA) lets you invest your retirement savings in real estate — not just stocks and bonds. Rental income and gains flow back into your IRA, growing tax-deferred (Traditional) or tax-free (Roth), making it a powerful vehicle for building long-term wealth through Central Florida property.
While the IRS sets specific rules for holding real estate in an IRA, the opportunity is significant. Jonathan Fitzgerald works alongside your SDIRA custodian to help you identify and acquire qualifying Orlando-area investment properties.
How It Works
Open a Self-Directed IRA
Establish an SDIRA with a qualified custodian that allows real estate holdings, then fund it or roll over existing retirement accounts.
Identify Qualifying Property
Jonathan helps you find investment properties that fit your strategy — the IRA (not you personally) must own the asset.
Purchase Through the IRA
Your custodian executes the purchase using IRA funds; all income and expenses flow through the IRA.
Grow Tax-Advantaged
Rental income and appreciation build inside your IRA, tax-deferred or tax-free depending on the account type.
Key Benefits
Tax-Advantaged Growth
Income and gains grow tax-deferred or tax-free within the IRA.
Portfolio Diversification
Move beyond the stock market into tangible, income-producing real estate.
Hard-Asset Security
Real estate offers a physical asset backing your retirement savings.
Long-Term Wealth
Central Florida’s appreciation compounds powerfully over a retirement horizon.
Important Considerations
The IRA must own the property — you cannot personally use it or benefit from it directly (no “self-dealing”).
All expenses must be paid from, and all income returned to, the IRA.
Certain “disqualified persons” (you and close family) cannot transact with the property.
Financing inside an IRA has special rules — work with your custodian and a tax professional.
This information is for general educational purposes only and does not constitute legal, tax, or financial advice. Consult a qualified professional before making investment decisions.
Talk Strategy With Jonathan
Share your investment goals and Jonathan will help you put this strategy to work in Central Florida.