Factoring Strategies for IRAs, Roth IRAs & Non-Qualified Plans

For those seeking better returns in their IRAs, Roth IRAs or other non-qualified monies, the secondary cash flow market may be a positive boost for their conservative holdings. Those seniors within ten years of retirement may want to shift their market holdings to more conservative positions. The secondary cash flow market has generated between 5-7% over ten year durations with relatively low risk exposure.

Structured cash flow income can be purchased easily with non-qualified or qualified funds. The minimum purchase amount is $25,000 for individuals as long as the buyer is of legal age. A custodian account is used with qualified funds, which provide the advantage of transferring funds in a tax-deferred status and distributing funds as needed. This allows for the IRA owner to control when taxes will be incurred and provides the flexibility to simply accumulate funds within one’s IRA or ROTH if needed.  

This is a great option for seniors who are seeking predictable income, better rates of return and periods that generally are within ten years or less.

Joe Hipp was a co-contributor to this press release.