You've Earned the Right to Manage Your Retirement

Take control of your financial future with a self-directed IRA. Explore investments in real estate, precious metals, private placements, and more.
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How It Works

Open & Fund a CamaPlan Account

Select the account that's right for you. Transfer/Rollover funds from an existing IRA or 401(k), or make a contribution.

Select an Investment Option

Choose an investment opportunity for your IRA to purchase.

Prepare your Investment Orientation

Your Account Representative will walk you through the process and paperwork required.

Submit Asset Purchase Directive

Submit required Asset Purchase paperwork based on the investment you’ve selected.

Complete Purchase

Cama sends funds to the appropriate party, per your instructions, to purchase the asset. The asset is recorded in your IRA.

Deposit Profits

Monthly profits, if applicable, are deposited back into your Cama account and will remain FDIC-insured

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CamaPlan empowers you to manage how your retirement funds are invested

The CamaPlan Self-Directed IRA

A CamaPlan self-directed IRA account is the faster, safer way to true financial freedom. Grow your wealth and secure your future by deciding what types of self-directed IRA investment you want to hold in your individual retirement account.

Take control of your financial future

No one knows your investment goals better than you. Establishing a CamaPlan self-directed Roth IRA or other self-directed retirement plan offers access to investment options usually available only to well-connected or very wealthy individuals.

Beyond stocks, bonds and mutual funds

Available to the public since the inception of individual retirement accounts since 1975, self-directed IRA plans continue to offer a broad range of diversified investment opportunities. But the typical investor is only made aware of the stocks, bonds, and mutual funds offered by their brokerage firm.

Self-directed IRA Services – Frequently Asked Questions (FAQs)

They are accounts that give you the flexibility to make investments tailored to your needs. You could make the best self-directed IRA investments in the projects or verticals that you are familiar and comfortable with. Popular investments in the plan are self-directed IRAs for real estate, precious metals, cryptocurrency, businesses, etc.
There are three cardinal rules you should not break. As an IRA investor, you or your beneficiaries should not engage in transactions with a disqualified individual. You cannot utilize the investments for your personal benefit. You should not invest in disallowed assets as stipulated in the IRS rules for self-directed retirement accounts.
Yes, they do. Self-directed IRAs are held by a custodian or administrator that allows you to invest in many alternative investments. The custodians generally do not provide investment advisory services. Hence the SDIRAs are prone to market risks, and the rules and restrictions for setting up and investing in SDIRAs can be complicated.

Opening a self-directed IRA account follows these few easy steps listed below.

  • Identify an account custodian or trustee
  • Select the desired investments
  • Conduct due diligence needed for the investments
  • Ask the custodian to carry out the required transactions
Non-Roth self-directed IRAs offer a tax deduction for contributions to the IRA account, but you are taxed on all future distributions. Roth IRAs apply a tax at the time of the contribution, but future distributions from the account are not taxed.
The benefits of the best self-directed IRA plans for real estate are tax-free or tax-deferred account growth, total control over investments, options to create an LLC., protection of assets, and high return on investment potential. The cons are the due diligence, paperwork, fees, and management of the real estate asset (taxes, maintenance, tenants for rental properties) once the asset is in your IRA account.
An SDIRA works a bit differently than a typical IRA. It can hold investments that a traditional IRA cannot, such as precious metals, commodities, LLC.s, and real estate. SDIRAs have the same contribution limits as standard and Roth IRAs (see contribution limits HERE).
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What is an ESA?

Parents saving for a child’s college education are the primary users of Education Savings Accounts (ESAs), although any person under 18 or with special needs can be the designated beneficiary.

The ESA is a trust account restricted to paying qualified higher education expenses.

What is an HSA?

A Health Savings Account (HSA) is a tax-exempt trust established to pay qualified medical expenses incurred by eligible individuals enrolled in a High Deductible Health Plan (HDHP). 

HSAs have numerous tax advantages for both employees and employers, and are an important part of retirement planning. For those who qualify, an HSA is an excellent tool to plan for rising health care costs later in life. They have some similarities to high-deductible plan (HDHP) medical savings account programs, but with fewer restrictions for eligibility.

Unlike a Flexible Spending Account (FSA), you do not have to spend down all of the money in the account each calendar year, allowing your contributions to grow tax-free year after year. Employees covered by HSA/High-Deductible Health Insurance Policy combinations are encouraged to take full advantage of the long term planning opportunities afforded by health savings accounts rules. When you open a CamaPlan HSA, your account will be able to invest in a wide array of assets, just as you can with a self-directed IRA.

CamaPlan account holders have access to an unlimited number of alternative investment options, including real estate, gold and silver, business ventures, private placements, and loans.

What is an Individual 401(k)?

The Individual 401(k) is a good option for sole proprietors who have no employees other than their spouse or a business partner. 

The Economic Growth and Tax Relief Reconciliation Act of 2001 made changes to Individual(k) contribution limits, allowing it to function as a regular 401(k) plan combined with a profit-sharing plan. This type of 401(k) plan can have significant advantages over other retirement plans for small businesses, as long as there are no employees beyond the owner and their spouse.

Your individual 401(k) plan can grow even faster when you open your account at CamaPlan. We offer self-directed retirement plans that put investors in the driver’s seat. You are free to invest in a wide variety of alternative assets, including real estate, gold and silver, mortgage notes, loans, and many other types of assets not prohibited by IRS regulations. 

What is a Simple IRA?

A SIMPLE IRA plan is a cost-effective and hassle-free way for small- to medium-sized businesses to offer an employer-provided retirement plan to its employees. 

Created under the Small Business Job Protection Act of 1996, the Savings Incentive Match Plan for Employees (SIMPLE) IRA is open to employers with fewer than 100 eligible employees.

SIMPLE IRA rules also permit sole proprietors and independent contractors without any employees to establish this type of retirement account for their own benefit. Many employer plans allow employees to select the financial institution which will administer their SIMPLE account. 

A CamaPlan self-directed IRA allows investors to choose from a myriad of assets, far beyond the typical mutual funds and stocks promoted by many financial institutions. Our account holders invest in real estate, gold and silver, personal finance loans, mortgage notes, tax liens, commodities, futures, and many additional alternative assets, as permitted by IRS regulations. 

What is a SEP IRA?

A SEP IRA (Simplified Employee Pension) is one of the most popular retirement plans for small businesses.

A self-employed business owner can make SEP IRA contributions into an individual retirement account for himself and his employees. The Simplified Employee Pension plan is favored among small business owners because SEP IRA rules make them an easier employee pension plan to establish and administer than 401(k) plans.

Additionally, SEP IRA contributions are generally 100% tax deductible for the employer, within guidelines established by the IRS and Department of Labor Employee Benefits Security Administration. Although it is the employer that funds the plan, employees typically have the option of opening their SEP retirement plans at the financial institution of their choosing. CamaPlan is at the self-directed SEP IRA vanguard, allowing investors to allocate their retirement funds into numerous types of assets beyond the usual mutual funds.

Alternative investment options include real estate, gold and silver, business ventures, and loans, providing the opportunity to diversify your portfolio and make high-yield investments.

What is an Roth IRA?

The Roth IRA was created by the Taxpayer Relief Act of 1997 to allow workers to contribute post-tax dollars to their retirement savings account.

Roth IRA rules are similar to those of a Traditional IRA retirement account, with the primary difference being that contributions to a Traditional IRA are tax-deductible, and Roth contributions are not; they are taxed at the taxpayer’s current marginal tax rate.

For those who anticipate being in a higher tax bracket in retirement, paying the income tax at the time a contribution is made can present a tax advantage at the time of distribution.

Another significant difference between the Roth IRA individual retirement account and a Traditional IRA retirement plan is that income earned from a Roth may be withdrawn tax-free after age 59 ½. For most individuals, the Traditional IRA immediate tax savings equal paying higher taxes overall on distributions in retirement.

With a CamaPlan self-directed Roth IRA, investors have the freedom to diversify their portfolios beyond the typical mutual funds and stocks into alternative investment options such as real estate, mortgage notes, personal finance loans, and precious metals. Discover how your retirement savings can grow faster when you contribute funds up to the annual Roth IRA contribution limits each calendar year and invest in high-yield assets.

What is an Traditional IRA?

The Traditional IRA (Individual Retirement Account) is the most common type of account that American workers use to save for retirement. 

Traditional IRA rules were set forth by the Employee Retirement Income Security Act (ERISA) of 1974, which established that employees are allowed to deduct qualifying savings contributions from their federal income tax returns up to predetermined annual limits. 

The advantage of a Traditional IRA is that contributions and earnings are tax-deferred, meaning that they are not subject to federal income tax until distributions are made. For individuals who anticipate being in a lower tax bracket when they retire, this type of retirement account may have significant tax benefits.

Although many IRAs are administered and controlled by large brokerage houses, the IRS permits individuals to make their own investments, a process known as self-direction.

A CamaPlan self-directed IRA offers its clients total financial control over their Traditional IRA retirement savings.

What is an Inherited IRA?

Inherited IRAs are specifically designed for IRA beneficiaries.

They offer an opportunity to continue tax-deferred growth of IRA or qualified Profit Sharing Plans (e.g. 401(k)).

All Inherited IRAs are subject to annual IRS minimum required distribution (RMD) rules, but these are generally based on the inheritor’s own life expectancy.

This enables continued investment in an Inherited IRA without the impact of immediate taxes, so that you can potentially maximize these inherited assets.