All Forum Posts by: Matt Ruttenberg

Life, Inc. Retirement Services invite you to join our insightful webinar, hosted by Matt Ruttenberg, Plan Design Expert and Co-Owner of Life, Inc. Retirement Services.

As the October 1st deadline approaches, it’s crucial to consider the advantages of a Safe Harbor 401k plan for maximizing 2024 contributions, and whether it is a good fit for your business.

Why Attend Our Webinar?

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• What is a Safe Harbor 401k: Learn how it can simplify compliance and offer substantial tax advantages..
• Safe Harbor 401k Options: Explore the different Safe Harbor 401k plans tailored to meet your business needs.
• How it ties together: Learn how a Safe Harbor 401k ties in to more advanced plan designs to allow for higher contribution limits.

Don’t miss this opportunity to make an informed decision that could enhance your company's benefits and secure its financial future before the deadline expires.

All who register will receive a recording of the webinar afterwards.

Reserve your spot today by registering below!

https://calendly.com/matt-ruttenberg/safe-harbor-401-k-deadl...

 Just sent you a note, thanks Bernard and Michael!

I am in need of a Cost Seg Engineer or expert that is willing to do a webinar for real estate investors.  It will be hosted in August at 3pm Honolulu time with investors mostly from Hawaii and West Coast of the mainland.

Looking for someone who has done webinars before, and has the slides already put together.

Thanks!

Yeah a CRUT is good before you sell, and a CLAT (Charitable Lead Annuity Trust) is good for after you sell the property... obviously time is of the essence there!

There are several strategies actually!  A lot of this depends on your goals, but you can use a couple options. 

If you're charitably inclined, CLATs (Charitable Lead Annuity Trust) or CRUTs (Charitable Remainder Unitrust).  You could even look into Opportunity Zones.

Other options are doing a Cost Segregation study depending on the property.

To drag out the gains, you can do a Deferred Sales Trust, or Installment Sale.

Hello BiggerPockets Community,

Are you a broker, lender, or real estate professional looking to provide valuable insights to your clients? Partner with us to host a series of informative webinars designed to help your contacts enhance their investment strategies and financial outcomes.

Example Webinar Topics:

1. Self-Directed 401(k) and IRAs: Empower your clients to take control of their retirement funds and invest in real estate.
2. Using Life Insurance to Fund Deals: Teach innovative methods to leverage life insurance policies for real estate investments.
3. Tax Strategies to Fund Future Real Estate Deals: Introduce tax-efficient techniques to boost real estate investment potential.
4. How to Effectively Get 20-30% Out of Your 401(k) Tax-Free: Reveal strategies for business owners to effectively remove up to 30% of their 401k tax free.
5. Getting Out of the 1031 Cycle: Guide your clients on how to break free from the 1031 exchange cycle.
6. Creating a Retirement Plan Stack to Fund Future RE and Business Deals: Show how to layer retirement plans to support future investments.

I am the owner of a 401k administration company and a life insurance agency, with extensive experience in creating tailored financial solutions for real estate investors. By partnering with us, you can offer your clients expert knowledge and practical strategies that will set you apart.

We also offer a referral program for webinar hosts, providing added value for your partnership.

If you're interested in hosting a webinar or have any questions, please reach out to discuss further.

Looking forward to collaborating!

Best regards,

Matt Ruttenberg
[email protected]

239-989-3808

@Kegan Brenner

Building out and leveraging tools like your 401k, 7702 (life insurance), etc. are good ways to maximize your Dental practice.

Stacking plans on top of each other is a great practice.

I specifically work with dentals practices if you want to chat?

@Brett Synicky

I would probably say that the fees are high, but that’s not telling the whole story.

The leverage and arbitrage when used to its full potential far exceed the costs.

However to your point, using them for only a a few loans in a policy that wasn’t designed properly, wouldn’t be worth it.

Most of the people who downplay it online, don’t explain the full picture unfortunately.

So when looking at it within a vacuum, I would have the same opinion as you, respectfully.

@Nicole Heasley Beitenman.

I’m not sure which episode it is, but you’re correct in that explanation!

Depending on the type of policy, it’s called a participating loan. The carrier will still charge you a rate, but you’re still invested.

Some carriers have a cap on the rate they charge you, which gives you a better change at a positive arbitrage. Some will also offer a “net 0%” loan as well.

Hope that helps!