Education Center

There is no legal distinction between a “Self-Directed IRA” and any other IRA. The difference is simply this: Quest lets you take control of your retirement by letting you invest your IRA in what you know best. There are 2 different sets of rules that govern what you can do with your IRA. First, there is the Internal Revenue Code, which has surprisingly few restrictions. Second, there is your account agreement with the custodian. With most custodians you are restricted in the type of investments you can buy in your IRA. Quest allows you the maximum amount of control and flexibility. Almost anything that can be documented can be held in your Quest Self-Directed IRA.

Quest offers almost all types of retirement plans, including:

• Traditional IRAs
• Roth IRAs
• SEP IRAs
• SIMPLE IRAs
• Individual/Solo 401(k)s
• Coverdell Education Savings Accounts (formerly Education IRAs)
• Health Savings Accounts (HSAs)
• Inherited IRAs

The answer depends on what type of account you're exploring as well as other factors like income limits. Click Here to view current year contribution limits.

You have the broadest possible choice of investments, including:

• Real Estate, including debt-financed and foreign real estate
• Deeds of Trust
• Real Estate Options
• Lease Options
• Unsecured Notes
• Oil and Gas Interests
• Small, non-publicly traded corporate stock
• Limited Liability Companies
• Limited Partnerships
• Factored Invoices
• Discounted Commissions
• Security Agreements and Notes
• Tax Lien Certificates
• Foreclosure Property
• Joint Ventures
• Racehorses
• and a whole lot more…

It should be made clear that you are not taking a distribution to purchase these assets. All assets are purchased within the IRA, and all profits stay in the IRA!

Self-Directed IRAs are a powerful tool to help individuals build the largest possible retirement nest eggs. At Quest, we offer 7 different types of accounts – Traditional IRAs, Roth IRAs, Employer plans like the SEP IRA, SIMPLE IRA and Solo401k, as well as specialty plans like the Health Savings Account and Coverdell Education Savings Accounts. All of these accounts can be self-directed into alternative assets, but it’s important to be informed on all of the accounts (and possibly even speak to a tax advisor or CPA) to make sure you are opening the best one for you depending on your personal situation.

Moving your 401k to Quest is simple. Simply call one of our Certified IRA Specialists to have a free consultation and fill out the account opening paperwork. Once an account has been established for you within 24-48 hours, we will provide all the information to help you initiate the rollover process from your old 401(k) to Quest. When the funds arrive, you will complete our Rollover Form, to ensure your request is finalized. Now you are ready to begin investing!