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Did you know your IRA or old 401(k) could be working harder for you—outside of the stock market?
If you’re sitting on a former employer’s 401(k) or a traditional IRA account that’s gone dormant, there’s a powerful and often overlooked wealth-building opportunity waiting: real estate investing through a self-directed retirement account.
This strategy is especially attractive in high-appreciation markets like Scottsdale, Arizona, where demand, development, and lifestyle-driven migration continue to rise.
A Self-Directed IRA (SDIRA) or Solo 401(k) gives you the ability to invest in a broader range of assets—including residential real estate, land, multifamily units, and even development projects—while maintaining the tax-deferred or tax-free benefits of a retirement account.
However, unlike traditional IRAs held at banks or investment firms, these accounts must be managed through qualified custodians who specialize in alternative assets.
The IRS has strict guidelines on how retirement funds can interact with real estate. You can’t live in the property, use it for personal benefit, or rent it to a disqualified person (such as a family member).
You also cannot personally finance repairs, pay contractors directly, or use your own money for upgrades.
This is why working with a knowledgeable real estate advisor, a reputable IRA custodian, and a qualified tax professional is essential.
1. Rollover or Convert to a Self-Directed Account
Start by identifying if your current IRA or old 401(k) is eligible for rollover. If so, work with a custodian that specializes in self-directed accounts and real estate transactions.
2. Clarify Investment Strategy & Goals
Do you want long-term rentals, fix-and-holds, or land banking in Scottsdale? Your property type must align with your retirement timeline, risk tolerance, and exit strategy.
3. Partner with Local Experts
You’ll need a trusted Scottsdale-based real estate advisor who understands investment properties, zoning, resale values, and rental trends. Someone who knows the hyperlocal market can help you avoid costly mistakes—and identify high-potential opportunities.
Scottsdale isn’t just a lifestyle destination—it’s a strategic investment zone.
With continuous relocation from cities like Los Angeles, Chicago, and New York, demand for homes, rentals, and development-ready land is growing. This makes it an ideal market for IRA-funded real estate portfolios.
If you’re considering diversifying your retirement funds through real estate, now is the time to gain clarity, avoid missteps, and build a long-term strategy.
Schedule a private, confidential Zoom consultation with me to explore how this strategy could work for your situation and financial goals.
Have you ever thought about using your retirement funds to invest in real estate—but felt unsure where to start?
Or do you know someone who might benefit from this knowledge?
Leave a comment below, share this post, or tag a friend. Your future self may thank you.
#ScottsdaleRealEstate #IRAInvesting #SelfDirectedIRA #RealEstateAdvisor #Old401kStrategy #RetirementWealth #TaxSmartInvesting #FinancialEducation #LuxuryRealEstateAdvisor #ScottsdaleHomes #ArizonaRealEstate #PassiveIncomePlanning #RealEstateStrategy #InvestWithPurpose #WealthBuildingTips #ScottsdaleLuxuryHomes
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Click here to explore current mortgage rates. Rates may vary based on credit score, loan type, and lender policies. For the most accurate estimate, consult with a lender.
Nice to meet you! I’m Katrina Golikova, and I believe you landed here for a reason. I help my clients to reach their real estate goals through thriving creative solutions and love to share my knowledge—giving lots of freebies along the way.
See You Soon,
Katrina
You can listen right now to current news
You can listen to all AZique real estate news and insights on Spotify or any other preferred platform of yours: YouTube, Amazon, Audible, Apple Podcast. Daily Arizona real estate market pulse – straight from Sonoran Desert to you where ever you are!
Always fresh, smart, data-driven from Sonoran Desert straight to your mailbox
Click here to explore current mortgage rates. Rates may vary based on credit score, loan type, and lender policies. For the most accurate estimate, consult with a lender.
Realty One Group
Katrina Golikova
Real Estate Professional
License ID: SA696603000
17550 N Perimeter Dr, Scottsdale, AZ 85255
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