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1. Traditional & Roth IRA Contribution Limits & Deadlines
2. SEP IRA Contribution Limits and Deadlines
3. Simple IRA Contribution Limits and Deadlines
4. Individual & Roth Individual 401(k) Contribution Limits & Deadlines
5. HSA Contribution Limits and Deadlines
6. Coverdell ESA Contribution Limits and Deadlines
7. Transfers and Rollovers
8. Other Contributions Restrictions
9. Roth Conversion - Not a Contribution

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Transfer and Rollovers

IRA Transfer — The movement of IRA funds directly from one IRA provider to another without the IRA owner taking receipt of the funds. This transaction is sometimes referred to as a custodian-to-custodian transfer. IRA holders can perform as many of these transfers as they would like.

How does it work?
The client completes a New Direction IRA transfer form and mails it, with a recent statement from the client's current IRA, to our office. NDIRA completes the form and mails it to the client's current provider who would then send the funds specified on the Transfer form to the client's NDIRA account. This will achieve a custodian-to-custodian transfer and is NOT a reportable event for the IRS. Typically, the client needs to liquidate publicly-traded securities assets at their current provider prior to the transfer.

IRA rollover, transfer
In-Kind Asset Transfers - Custodian-to-custodian transfers to NDIRA may be cash and/or assets themselves (e.g. real estate, gold, notes, etc.).  In-kind transfer is the name given to the movement of non-cash assets.  This process generally involves the asset being re-titled to indicate that the asset is now part of the client's NDIRA account.  The re-titled documents are sent to NDIRA to be placed in the vault.  In the case of precious metals, the assets are moved to a depository account titled in the name of the client's NDIRA account.

IRA Rollover — Rollover usually refers to the movement of IRA funds from one IRA provider or qualified retirement plan (401(k), 403(b), defined benefit plan, and more) to the account owner, who then deposits those funds with another IRA provider. The account owner has 60 calendar days to complete this move.  If the process is not complete within 60 days the value of the cash and/or assets are considered a taxable distribution of funds.  

Keep in mind that only one rollover per 12-month period per outgoing IRA account is allowed. 

Rollovers are reported to the IRS, but, performed properly, they are not a taxable event.  For some providers, tax withholding on distributions is part of their normal procedure; so, if the distribution is intended to be rolled over, it is the client's responsibility to contact the provider to make sure that no taxes are withheld.

It is often possible for the account holder to arrange a direct rollover.  With a direct rollover, the current provider writes a check to or sends a wire to your NDIRA account directly.  The funds never go to the account holder; so, there is no need for the current provider to take withholding.  Also, this may speed up the process of funding your NDIRA account.

Note: This process often take several weeks or longer to complete.

Free educational videos available "10 Alternative Ways To Invest Your Retirement". Click here.

To read more about IRA contribution limits visit IRS website. click here to learn more...

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Your IRA contribution can be invested in

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Introduction to
Real Estate IRA Investing
Owning Precious Metals
in your IRA/401K
Private Money Lending
with your IRA
Introduction to Private Equity IRA Investing
Many investors and even real estate professionals are unaware that retirement funds can be utilized to invest in real estate. Join us for an eye-opening introduction into the world of self directed retirement investing. Learn how IRA and 401(k) funds can participate in real estate investments like rental properties, fix and flips, and even private lending. Walk away from this free presentation with a basic understanding of important factors like IRS rules, personal limitations, partnerships, financing options, and more. Learn how you can secure your retirement plan wealth by diversifying with precious metals. Will your retirement funds be safeguarded from inflation? Financial professionals across the globe all agree that asset diversification is the key to success. To reduce the risks of investing, many professionals suggest the purchase of precious metals to diversify investments among different securities or asset classes. This short presentation will discuss IRS rules, eligible metals and coins, as well as logistics and depositories. You can become your own investment bank using IRA or 401k funds! Private lending can be a safe and potentially high-yielding strategy as well as a great diversification tool. This presentation discusses the IRS rules governing tax-advantaged benefits as well as common strategies for lending success. Learn important factors like partnership options, note security, and lending procedures. This presentation is perfect for those who are considering private money lending as an alternative retirement plan investment and want to learn the basics. Investors should know there are many opportunities outside of the stock market that can help diversify your retirement holdings. This introductory presentation covers the key concepts of using your IRA or 401k to purchase stock in a private company. From start-ups launching a new business to developed companies looking to finance their growth, retirement accounts are becoming a significant source of funding for these types of investments. Let us show you how to buy private stock and maintain the tax advantages of your existing retirement account.
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Foundations Of
Self Directed IRAs

Introduction To Self Directed IRA Invest in What You Know

Top 7 Ways To Benefit From A
Self-Employed Individual(K) Plan

10 Ways to Invest
for Retirement

Start with the basics and explore this retirement account introduction. Learn how retirement plans can participate in a variety of investments, including real estate, precious metals, and more. This presentation is geared toward beginners and those who are just getting started with retirement plans. If you’re just getting familiar with self-directed retirement investing, this is a great video to get started. Learn the fundamental IRS rules surrounding disqualified persons, prohibited transactions, and partnering options. Launch into an overview of the most common alternative investments including: real estate, precious metals, private equity, private lending and more. Because of their high contribution limit and Roth component, 401(k)s have become a very popular retirement plan for self employed business owners. Join New Direction IRA as we reveal seven great benefits that a self directed individual(k) affords the plan participant. Remember, the deadline for establishing a new plan and contribution eligibility is December 31st. Now is a perfect time to learn why an individual(k) could be the perfect plan for you. Opportunities to invest your retirement funds in alternative assets are nearly limitless. With a self directed IRA at New Direction, your account is permitted to invest in any asset allowed by the IRS. This presentation will discuss how an IRA can invest into Physical Real Estate, Land, Oil and Gas, Precious Metals, Private Loans, Private Equity, Green Investments and more! Be sure to watch this video and see how you can take full control of your financial future.


Learn more about SEP IRA Click here.

To read more about IRA contribution limits visit IRS website.

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