Roth IRA - Cash Out or Roll into SDIRA?

[Mike Thompson]

I have 90K or so in a Roth IRA.

I’m interested in using it more effectively.

I currently have one rental property.

I don't currently have a real estate investment LLC, but I'm thinking about making one.

I don't currently have a self directed IRA, but I'm thinking about switching my Roth into one.

Would you:

1) Roll it into a self-directed checkbook or real estate IRA/LLC?

2) Or cash it out and take the hit?

If yes - do you have a recommended SDIRA management company?

Thanks.

[Filipe Pereira]

Hey @Mike Thompson, I would ask you what are your goals? Do you want/need the money NOW, or when you retire? 

Any profits you make on a SDIRA will need to remain in the IRA, otherwise you will be facing a large tax bill. If you want/need the income off of the rental property in the "present" you would have to cash it out and pay close to half of it to uncle Sam.