John Bowens

John Bowens from Equity Trust shares his expertise on accessing IRA funds before 59½ without penalty. He unveils legal strategies like the Roth layered cake approach for tax-efficient withdrawals. The discussion highlights IRS-approved exceptions, the tax implications of early withdrawals, and how they can impact overall retirement savings. Bowens also emphasizes the importance of evaluating financial needs against long-term goals, while offering alternative funding ideas and the nuances of converting IRAs for future tax planning.

Join John Bowens, Director at Equity Trust Company and self-directed IRA expert, as he unveils the little-known self-directed IRA (SDIRA) strategy that could revolutionize your retirement planning. Discover how this unique account allows you to invest in real estate tax-free, generate passive income, and even flip houses without the usual constraints. John tackles objections to SDIRAs, shares invaluable insights on the 'material participation' rule, and explains the potential for wealth-building that most Americans overlook. Your retirement could be richer than you think!

In this engaging discussion, John Bowens from Equity Trust, a self-directed retirement account expert, shares advanced strategies for building a tax-efficient portfolio. He dives into how to optimize asset allocation across Roth IRAs, HSAs, and 401(k)s for maximum tax benefits. John explains the advantages of holding alternative investments like real estate and crypto in tax-advantaged accounts. Listeners learn about tax loss harvesting, managing physical gold, and balancing aggressive and conservative investments for long-term growth.