How Retirees Can Use a Self-Directed IRA for Alternative Assets

In this episode of Retirement Planning with Fexingo, Lucas and Luna explore the self-directed IRA — a retirement account that allows investors to hold alternative assets like real estate, private equity, and cryptocurrencies. They break down how it works, the tax rules you need to know, and the pitfalls that trip up even savvy investors. Using a concrete example of a retiree who bought a rental property inside a self-directed IRA, they walk through the prohibited transaction rules, the role of a qualified custodian, and why UBIT (unrelated business income tax) matters if you use leverage. They also discuss whether these accounts actually make sense for most retirees versus sticking with traditional ETFs and mutual funds. If you've ever wondered about holding physical gold or investing in a startup through your retirement account, this episode gives you the specifics you need to talk to a tax advisor. Recorded July 19, 2026. #SelfDirectedIRA #AlternativeAssets #RetirementPlanning #RealEstateIRA #PrivateEquity #CryptocurrencyIRA #ProhibitedTransaction #UBIT #RetirementAccounts #Fidelity #IRA #Finance #FexingoBusiness #BusinessPodcast #PersonalFinance #Investing #WealthManagement #TaxPlanning Keep every episode free: buymeacoffee.com/fexingo