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IRA Insights

May 2014 Newsletter

Upcoming News

NuView will close early at 4:30 pm on Wednesday, May 14th, for our client appreciation dinner.
Memorial Day is Monday, May 26th, and NuView will be closed in observance.
 NuView Events
We host monthly introductory and advanced self-directed IRA courses at our office headquarters:
Central Florida Events
Non-NuView Events

Jacksonville Real Estate Investors Association General Meeting

Thursday, May 1st

6:00pm - 9:00pm

More Info

Broward Real Estate Investors Association General Meeting

Wednesday, May 7th

5:30pm - 8:45pm

More Info

Central Florida Realty Investors Association General Meeting

Wednesday, May 7th

6:00pm - 9:00pm

More Info

Investors Resource Center General Meeting

Thursday, May 15th

6:00 pm - 9:00 pm

More Info

Palm Beach Real Estate Investors Association General Meeting

Tuesday, May 20th
6:30 pm - 8:45 pm

More Info


Dade Real Estate Investors Association General Meeting

Wednesday, May 21st

6:30 pm - 9:00 pm

More Info

Message from our President

April has come and gone, and, for many, the mindfulness to our taxes has also escaped. However, for those self-directing their IRA, and especially the staff at NuView, we are always tuned in to the tax code and how to make the most of your retirement account.

We will always help walk you through the process, and while we can't advise you on your investment decisions, we can break down the rules relating to your investment any time you have a question. So call us up or email us any time you or a friend has a question.

On an extremely happy note, our client appreciation dinner and networking event Wednesday, May 14th, has been completely over-booked (at more than 100 attendees) and currently has a waiting list. I feel blessed that so many of you are eager to meet up and shake our hands, as well as the hands of like-minded investors. We can't wait to hear the stories of what is working for you on your journey of self-direction.

Don't worry if you are unable to attend our dinner this month, we have several upcoming events for you to get involved in. Not only can you meet up with us and other investors at the local real estate clubs we attend monthly (see the events to the left), but we also host in-office classes twice a month to help new and seasoned investors really take off. Additionally, we will be hosting a summer BBQ later this year, and I am beyond excited for October when we will host the second annual Hero Games and Planning for Prosperity events (more to come on that later).

As always, all the best in your investments,

Glen Mather

Making Sense of Crowdfunding

By Mark Mohler, a business, tax and estate planning lawyer and founding member of Corridor Legal Partners as well as a founder of Sprigster, an online crowdfunding portal for veterans and military spouses. You can contact Mark by phone at 321-473-3337, or you can visit his website at www.corridorlegal.net for more information.

You are already accustomed to enduring TV commercials for everything from noisy car salesmen to ambulance-chasing lawyers, but are you ready for a TV advertisement prompting you to invest in a new private startup? Well get ready, because it is only a matter of time before it happens. By now, you have probably heard terms like “crowdfunding,” “peer-to-peer lending” and maybe even “general solicitation.” As more and more rules are implemented allowing different groups to solicit your money in connection with funding their own private business, it is important to understand the changing landscape. “Crowdfunding” is defined by Wikipedia as “the collection of finance to sustain an initiative from a large pool of backers—the "crowd"—usually made online by means of a web platform.” Crowdfunding as a fundraising tool is already everywhere and, through recently enacted changes to US Securities laws, crowdfunding will likely be even bigger in the future.

In its earliest iterations, crowdfunding in the US was limited to non-investment offerings in order to avoid running afoul of state and federal securities laws. That meant that you could be asked to put up the money for a business or a project, but you could not own an interest in the success of that business or project. Accordingly, the vast amount of crowdfunding to date has been requests for donations or pre-purchases of a product to be created at a later time. Crowdfunding has been very successful and billions have been raised but imagine your chagrin if you were one of the 9,500 crowd backers that provided an aggregate of $250,000 in donations to startup Oculus VR only to see the company sold for $2 billion less than two years later. We can all understand why the providers of this early capital are a bit peeved to be receiving little more than a thank you note in return for funding the meteoric company. As it turns out, some backers now feel used or even scammed by the crowdfunding project. Sensing this unfairness, the JOBS Act enacted in 2012 sought to democratize private equity by allowing companies to use existing technology tools, such as the Internet, to solicit actual investments from everyday Americans. Two years later, the Securities and Exchange Commission has still not fully created the rules for how this can happen but, little by little, you may be noticing the changes. 

Some of these changes relate only to Internet-based crowdfunding and apply to all Americans--regardless of net worth. Other changes...READ MORE

Funding Your Own Pension Plan

For those that closely follow political and financial news, one of the biggest issues to face local and state governments has been underfunded pension liabilities. 

Simply stated, the employers made a promise to their employees to provide certain lifetime payments during their retirement years, yet did not adequately fund those obligations year after year. The result is a mad scramble for political cover, and necessary yet painful reductions in pension payments for many retirees. 

Evidently, the pain of employer pension funding is not limited to governmental entities. A recent Orlando Sentinel article regarding Walt Disney World union negotiations said that Disney wants the union to give up pensions for new hires, who would instead be enrolled in a 401(k) investment plan. Similar negotiations and changes are becoming commonplace across all industries. 

In today’s environment, the obligation to prepare oneself for retirement rests on the individual, rather than their employer...READ MORE

The Alphabet Soup of Estate Planning

By Todd Ganos, a professional trustee and the principal of Integrated Wealth Counsel, LLC, whose divisions provide family office, wealth management, trustee, and trust protector services.  He is also a contributor to Forbes magazine online and focuses on the management and preservation of family wealth. Todd can be reached at 866-898-1860. 

We A/B, GST, APT, QTIP, GRAT, IDGT, DING, NING, BDIT, NIMCRUT, . . M . . O . . U . . S . . E.  These are just some of the types of trusts that wealthy and high-income families use to help reduce estate and income taxes as well as provide for asset protection.

We all know that the Internal Revenue Code is complex, and state-level tax rules are just as complex. In some cases, though, this complexity has created opportunities for tax reduction, and these trusts are the tools by which that tax reduction might be realized...READ MORE

Guest Webinar on Leveraging your Self-Directed IRA with Hard Money

Jacob Sacks is the CEO of GMA Factor, a financial service firm that offers invoice factoring, accounts receivable financing, asset-based loans, hard money lending, business cash advances and participations with other factors. GMA's team brings more than 30 years of experience in the global finance arena.

This webinar offers a basic understanding of how to leverage their self-directed IRA. Jacob will walk you through what hard money is, its advantages and risks, and how it differs from a traditional bank loan using real life examples of how leverage is used to maximize one’s investments.

For more details on how hard money can grow your self-directed IRA, reserve your virtual seat for Jacob's May 20th webinar today.


Success Story Spotlight

This month's spotlight shines on Greg Pichardo. Greg most recently worked for Banco Popular in the Orlando area but has, in total, been in the banking industry for more than 20 years. He now manages his own investments, especially those requiring self-direction, full-time. Here Greg shares his secrets:

NuView: How did you learn about self-directed IRAs? What made you want to self-direct?

Greg Pichardo: I developed a pretty well-rounded knowledge on the subject while working in the banking industry and had heard of the concept of self-direction before, but it wasn't until I attended a seminar hosted by Glen Mather [President of NuView IRA] and Jason Debono [Vice President of NuView IRA] that I was able to put the last pieces of the puzzle together. The seminar gave me the confidence and knowledge to use my IRA to purchase properties in addition to those I was purchasing outside my IRA.

NV: When did you first realize that self-directing was more powerful than your previous retirement plans?

GP: I started investing in real estate prior to opening an account with NuView in 2011, but once I was able to use more capital to do this I was able to appreciate larger returns on those investments. I also wanted an investment vehicle that could offer more control than I was previously accustomed to, such as investments in the stock market, for example. Further, with NuView I was able to invest more money without as much volatility, but a chance of higher returns.

NV: When did you make your first self-directed investment?

GP: I first opened an account with NuView in 2011, but began purchasing property in 2009. I have aligned myself with mostly real estate deals since I am most familiar with this area due to my experience in the banking industry. Through NuView I have been able to complete two deals last year and an additional two this year. NuView has truly made this process as seamless as possible. Although I was excited about the prospect of this new way to access more capital, receive tax incentives, and earn a higher return in a less volatile market, I did not expect the actual process to be as harmonious as it had been explained to me. In addition, individuals in the transaction department such as Mandi Howell have continued to be helpful in answering any questions in a timely and professional manner. I very much appreciate the quality of account activity reporting done by NuView as well.

NV: Do you have any tips for fellow self-directors?

GP: I remain a strong advocate of asking a lot of questions and investing in what you know. In my case, I was able to leverage knowledge and experience from the banking industry and other areas of finance in general. However, knowledge alone is not enough. You MUST engage in ample due diligence in order to make informed decisions and keep tabs on all your investments. Staying engaged in these processes usually requires more time than traditional investment vehicles but if you have the time, experience, and willingness to learn new things, self-direction via alternative assets is well worth the effort. 


We love sharing stories like Greg's. These narratives are the reason we do what we do here at NuView IRA. If you or someone you know has really made something special with their self-directed IRA, we want to know. Please contact our marketing manager, Lauren Joos, at ljoos@nuviewira.com to be considered for our next Success Story Spotlight.

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