“I would like to express my appreciation and gratitude for the service Uranga & Associates have provided me. I have been able to meet my goals of home ownership, which I never thought possible after my divorce. I thought I would be unable to afford a place of my own. But with the Outside method, I have been able to use funds that I didn’t think I could access. Your service has made my life so much better and I am living in a resort-style community that I thought was way out of reach. Thanks again.”

Ed V.

(NOTE: Photo is not a representation of client.)

“Just a word of thanks to Uranga & Associates for your help in structuring the OUTSIDE method of redirecting my IRA into real estate. My wife and I were able to purchase another home and allow one of our children to rent the home from us. Thanks again for your help and your professionalism.”

B. Owens, Montana

(NOTE: Photo is not a representation of client.)

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Do you have an IRA or 401(k) rollover account? If so, like most
Americans in your position, your money is probably invested in some
combination of fixed income and/or equity products. Also like many
people in today's economy, you may be re-considering your investment
strategies in light of the low rates of return currently being offered
on fixed assets, or the volatility and lack of predictability
associated with the stock markets. Have you considered Real Estate?
What if I told you that you could use your IRA or 401(k) rollover
money to take advantage of the depreciated values of real estate by
investing in a primary residence, a second home, a vacation rental or
investment property?

   If you qualify and have a balance of $100,000 or more in your IRA
or 401(k) rollover account, the OUTSIDE method developed by Lasaii (a
division of Uranga & Associates) allows you to move your retirement
funds into a SAFE HARBOR directed IRA account. Through this account,
structured by a Lasaii consultant, you can purchase and occupy the new
home, vacation getaway, or an investment property of your choice.
Don't wait until retirement to begin enjoying your retirement savings!
Visit Lasaii.com for more information.

Case outline: Mrs. Dawson is 57 years old, she and her husband are recently retired. Prior to contacting Uranga & Associates Mrs. Dawson and her husband had been researching the possibility of purchasing a new primary residence to retire to in another state. After completing the Compatibility Form and consulting with Mr. Uranga, Mrs. Dawson, placed approximately $500,000 of her 401k rollover in a SAFE HARBOR® IRA account. This established the structural foundation for her IRA/real estate plan. This SAFE HARBOR® IRA account, guaranteed to earn a minimum of 2% with a potential of 5% or higher as a ten-year average, insures against loss of principal value due to investment exposure during the life time of the contract. Uranga & Associates then structured Mrs. Dawson’s SAFE HARBOR® IRA account to provide an income stream to be used to pay interest and principal on the traditional 30-year mortgage obtained to purchase the new primary residence. Any tax liability generated by this income stream has been calculated to be offset by allowable tax deductions on the real estate. Mrs. Dawson and her husband plan to relocate to their new primary residence and rent their old home until the housing market stabilizes and market conditions are more favorable to sell. At that time, they will be able to keep any capital gain up to $500,000 tax free on their old home and invest that gain in such a way as to supplement their retirement income. Mrs. Dawson’s IRA will continue to support the mortgage payments on their new home for a minimum of 18 years, with a potential of 27 years or more depending upon the interest she earns in her SAFE HARBOR® IRA account.  

Summary: The IRA/real estate plan enabled Mr. & Mrs. Dawson to purchase their retirement home immediately, allowing them to relocate to the community they want to live in without having to wait, possibly years, for their current primary residence to sell. By structuring Mrs. Dawson’s rollover 401k to support the purchase of the new home the Dawson’s essentially flipped the more conventional roll of their retirement monies and real estate equity. The equity they have accumulated in their current home, which they had always intended to use to purchase their retirement home, is inaccessible until the home sells. Mrs. Dawson’s retirement fund however, when structured by the OUTSIDE® method can be accessed immediately. 

By using the retirement monies to purchase their retirement home, the Dawson’s achieved several things. Firstly it enabled them to take advantage of attractive prices in the currently deflated real estate market. Secondly, by structuring retirement fund withdrawals to pay the mortgage on their real estate purchase they offset most, if not all, of the tax liability they would have, at some time otherwise, had to pay when they eventually withdrew from the 401k account. Thirdly, since the Dawson’s are now in the financial position to not having to sell their old home in order to purchase the new home, they can bide their time until the market is more favorable for a profitable sale and in the meantime benefit from rental income. And lastly, and perhaps most importantly, the OUTSIDE® structure allows the Dawson’s to move on with their life.  No matter what your age is, it is painful to feel trapped, unable to move ahead with your plans because of financial commitments that keep you from experiencing the change you are ready to make in your life. The OUTSIDE® method gives the Dawson’s the freedom to live the life they want, in a secure financial framework that makes sense for their future.

Additionally there are estate planning benefits to this IRA real estate plan that are not covered in this brief synopsis.

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. 

Q: I’m not old enough to qualify to start withdrawing my retirement money yet, so how can it help me now?

A: There are two different ways in which your retirement monies could help you through this transition time. Both options are available to you at any age.

Q: What is the difference between the two strategies?

A: The OUTSIDE® structure is similar to estate planning. Your current financial situation is evaluated, your long term goals are assessed and then with these elements in mind your retirement funds are structured for immediate support of your existing mortgage or for a new real estate purchase while at the same time ensuring security and longevity of principal balance of your retirement fund.

The Mortgage Relief Strategy offers a short term bridge solution intended to assist your cash flow needs until you are able to secure gainful employment.  This strategy can assist individuals with low value retirement funds and would only be suggested for consideration if the OUTSIDE® structure was incompatible with your circumstances.

Q: Will I incur penalties for accessing my retirement monies prior to retirement age?

A: Not when your IRA or 401k rollover is structured by the OUTSIDE® method.  The Mortgage Relief Strategy will incur a penalty.  However this strategy is calculated to take effect on an as needed basis, substantially minimizing the penalty to a level where the benefits outweigh the cost.

Q: How do I find out if either of these programs can help me?

A: Fill out the compatibility form on our website. The information you provide us in this form will help us determine if you could benefit from our services.  We will then invite you to a complementary telephone consultation where our consultant will discuss with you how a plan would be structured to benefit your particular case.

Q: Once I speak with a consultant at your office am I committed to signing up for your services?

A: No. Our business code of ethics ensures you will receive no sales pressure to move forward with our program.

Q: If I decide to move forward with the OUTSIDE® structure, what is my cost for your service?

A: Most of our clients incur no cost at all.  It will depend upon which custodian you decide to move your retirement monies to for the foundation of your OUTSIDE® plan.

Many of our clients want to know why it is that their CPA or attorney is unfamiliar with and therefore skeptical of the OUTSIDE™ method. We have found the best way to explain this is to use an analogy.  The OUTSIDE method is like Estate Planning.  They are both a process or structure created to service the needs of the client.  Estate Planning is a specialty developed by attorneys, CPA and and Financial Advisor firms to structure a person's estate to maximize benefits and preserve wealth for the owner of the estate as well as the heirs. You cannot go to an IRS tax book to find a tax code for Estate Planning, since it does not exist as a singular taxable entity.  An Estate Plan will coordinate many different elements that are regulated individually by different legislated tax codes to result in the ultimate outcome the client wants to achieve. The same is true of the OUTSIDE™ structure in that there is no one Tax Code dedicated to its implementation.  OUTSIDE™ is Uranga & Associate’s registered name for a structure that is customized to each client utilizing all applicable legislated tax codes pertaining to real estate and individual as well as employer sponsored retirement plans.  Since the OUTSIDE™ method cannot be found in any tax book and is a proprietary process that is not covered in the curriculum for law or accounting education, your CPA or attorney may not be familiar with its existence.