Roll 401(k) funds to a self-directed IRA WHILE STILL EMPLOYED — access RE, private lending, precious metals.
Many corporate 401(k) plans allow 'in-service distributions' after age 59½ (some at 55) — you can roll a portion of your 401(k) to an IRA without leaving the job. Roll to a self-directed IRA (SDIRA) at Rocket Dollar, Alto, Equity Trust, and invest in real estate, private lending, private equity, precious metals, crypto — assets banned in corporate 401(k)s. Check your Summary Plan Description for in-service distribution eligibility.
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Shelter $69K/yr and borrow up to $50K from yourself.
Invest retirement funds in real estate, private equity, notes.
Use 401(k)/IRA to fund a business — no tax, no loan.
Shelter $100K–$300K+/yr for high-earning owner-only businesses.
Get $46K+/yr into Roth despite income limits.
Pre-tax in, tax-free growth, tax-free out — the only triple-tax account.
Borrow up to $50k against your own retirement — pay yourself interest.
Triple tax-free vehicle — the best account in the code.