Cases featured in this section are actual case histories of IRA/real estate plans structured by Uranga & Associates. Names have been changed to protect the privacy of our client(s).

Case Outline:  Mr. & Mrs. Anderson responded to an advertisement in Delta’s Sky Magazine.  The Andersons have been hit hard by the recent down turn in the economy.  Mr. Anderson who is in his late fifties had heard he was to be laid off from his executive level position in the technology industry and his wife’s hours in her retail position had already been cut back.  Faced with a dramatically reduced income and no immediate job prospect in site, the Andersons were concerned with being able to make their mortgage payment. After viewing Uranga & Associates advertisement the Andersons were intrigued with the idea of applying their IRA to save them from potential financial distress with their primary home mortgage so they scheduled a telephone appointment with an Uranga consultant to explore how the OUTSIDE® structure could help them out.

Structure:    A total IRA transfer of $320,000 established a SAFE HARBOR® IRA account as the foundation for the Andersons IRA real estate plan.  Uranga & Associates then structured the IRA to make regular monthly payments in the amount of $1,700 to be applied to the Anderson's home mortgage payment.  After five years, by which time, hopefully, the economy will be back on track and the Anderson's employment situation will have improved, they can choose to discontinue the cash flow stream from the IRA to allow it to revert to building equity for their future retirement. 

Summary: For the Andersons Uranga & Associates structured the SAFE HARBOR® directed IRA real estate plan to provide cash flow assistance as a short term solution to their financial needs.  The Anderson's customized plan allows the flexibility for them to discontinue the cash flow stream from the IRA after five years or continue it for as long as they choose.  If they do decide to discontinue the transfer of IRA money into their primary residence after 5 years, they can expect, with a worst case scenario, a minimum value of $259,000 to still remain in their SAFE HARBOR® IRA account even after $102,000 of its original value has been transferred into their primary residence. This financial plan gives the Andersons the security and peace of mind they need to weather the economic storm and come out of it unscathed.

Other estate planning benefits are derived from the OUTSIDE® structure.  Please visit our website for further information.