How the Ultra-Wealthy Use SDIRAs to Build $10M+ (Tax-Free) Retirements | Ep. 29

How the Ultra-Wealthy Use SDIRAs to Build $10M+ (Tax-Free) Retirements | Ep. 29

There’s $50 trillion sitting in retirement accounts—almost all of it tied up in stocks, index funds, mutual funds, and bonds. Their returns? Around 4% - 10%. The ultra-wealthy’s returns on retirement accounts? Often double that. How? Self-directed IRAs (SDIRA). Instead of trapping themselves in traditional retirement accounts, family offices and high-net-worth individuals tap into this account, unlocking access to alternative assets with higher return potential.  With an SDIRA, you can invest in real estate funds, rental properties, mineral rights, private money loans, and even professional sports teams, all while propelling your compounding and letting your wealth grow with purpose. Mat Sorensen, CEO and Founder of Directed IRA [https://directedira.com/], knows the ins and outs of SDIRAs like no other—how to invest 10x more in your IRA, how to avoid UDFI and UBIT taxes when investing in real estate and alternative assets, and the “discounted” Roth conversion strategy that saves investors thousands, if not tens of thousands. These expert-level tactics are what the ultra-wealthy use to supercharge their compounding and growth in their retirement accounts. Now we’re sharing the knowledge with you so that you can do the same.  Sage Wisdom from Today’s Episode:  * The SDIRA advantages that allow you better returns with no (or less) taxes on profits * Why you may be cutting your returns in half without even knowing it * Everything you can use an SDIRA to invest in—from real estate to soccer teams  * How to (legally) outmaneuver the UDFI and UBIT taxes so many investors are scared to touch * The “mega backdoor” strategy Mat uses to 10X his IRA contributions  * Cut your Roth conversion burden significantly using this strategy most investors have never heard about — Connect with Mat on LinkedIn [https://www.linkedin.com/in/matsorensen] Mat’s YouTube Channel [https://www.youtube.com/@MatSorensen/] The Self Directed IRA Handbook [https://www.amazon.com/Self-Directed-IRA-Handbook-Authoritative/dp/061587343X] Recommended Resources: * Are you a high net worth investor with capital to deploy in the next 12 months? Build passive income and wealth [https://sunrisecapitalinvestors.com/register-for-the-deal-room/?utm_source=podcast&utm_medium=shownotes&utm_campaign=sage&utm_content=ep29] by investing in real estate projects alongside Brian and his team!  * Learn more from Brian [https://brianspear.com/] and listen to past episodes of The Sage Investor  * Connect with Brian [https://www.linkedin.com/in/brian--spear] on LinkedIn 00:00 Intro 01:10 You're Missing THE Best Investments 03:57 Stop Cutting Your Returns in Half 07:00 When to Invest with an SDIRA 10:48 2 Sneaky Taxes (UDFI and UBIT) 16:20 How to (Legally) Avoid UDFI 19:58 10X Your Contributions 24:36 30% Less on Roth Conversions? 29:37 Become Your Own Family Office 33:33 Mat's Sage Principle 35:09 Work with Mat!  Disclaimer: This podcast is for educational purposes only and does not constitute financial, tax, or legal advice. Consult with a qualified professional before making any investment decisions.

What I Learned from Harvard’s Most Elite Real Estate Investor Group (YPO) | Ep. 28

I spent a week surrounded by the best real estate entrepreneurs on earth—and something surprised me. This wasn’t a casual meetup that most real estate investors are used to. This was Harvard Business School’s YPO (Young Presidents’ Organization)—an elite organization of entrepreneurs, CEOs, family offices, REIT executives, and exceptional investors doing seven, eight, and nine-figure deals.  It quickly became abundantly clear. Those at the top are doing things much differently than the rest of the industry. And today, I’m sharing what is arguably an invaluable education from these elite investors.  The YPO program isn’t for the faint of heart. The caliber is unparalleled, the connections are priceless, and the lessons set apart the truly exceptional operators from those just trying to make a short-term gain. You’re sitting at dinner talking shop with investors doing billion-dollar deals—that is unmatched. But three key lessons stood out that cannot be ignored. From growth “guardrails” to the culture that scales businesses without burnout, and why you might be mistaken about AI. Whether you own a business, run a rental portfolio, or are trying to invest your capital like an elite CEO, these lessons are worth your full attention.   Sage Wisdom from Today’s Episode:  * What I learned from the world’s most elite real estate investors that most of the industry misses  * If you don’t have these growth “guardrails,” your business could come crashing down * Think the best in the business are all-in on AI? Think again (how we’re using it at Sunrise Capital Investors [https://sunrisecapitalinvestors.com/?utm_source=podcast&utm_medium=shownotes&utm_campaign=sage&utm_content=ep28]) * How to cultivate a culture of excellence that removes toxicity and encourages winning at every level  * The exact frameworks we use at Sunrise Capital Investors [https://sunrisecapitalinvestors.com/?utm_source=podcast&utm_medium=shownotes&utm_campaign=sage&utm_content=ep28] to grow elite teams  Recommended Resources: * Are you a high net worth investor with capital to deploy in the next 12 months? Build passive income and wealth [https://sunrisecapitalinvestors.com/register-for-the-deal-room/?utm_source=podcast&utm_medium=shownotes&utm_campaign=sage&utm_content=ep28] by investing in real estate projects alongside Brian and his team!  * Learn more from Brian [https://brianspear.com/] and listen to past episodes of The Sage Investor  * Connect with Brian [https://www.linkedin.com/in/brian--spear] on LinkedIn

The “3-C” Framework That Turns Mobile Home Parks into Cash-Flowing Communities | Ep. 27

Anyone can buy a mobile home park, but only a few can run one. Your pro forma may look perfect on paper, but the way you manage, maintain, and mold your community changes everything about your returns. Today, we’ve brought on a pro, Todd De Leon, who has over two decades of experience in mobile home park management, overseeing more than 20,000 sites across 20 states and operating these assets as efficiently as possible. Todd isn’t only Sunrise Communities [https://mysunrisecommunity.com/?utm_source=podcast&utm_medium=shownotes&utm_campaign=sage&utm_content=ep27]’ President & Chief Operating Officer; he’s also been a high-performing athlete at the collegiate level and has even represented Team USA. If there’s one person who knows how to have the whole team win while doing his part to the best of his ability, it’s Todd. Todd introduces our “3-C” framework, which allows operators to turn fragmented, mom-and-pop mobile home park investments into thriving communities with higher rents, residents who stay longer, and a culture that drives lot fill rates. Plus, how to design your team to manage your mobile home park at an institutional level most operators in your market have never seen. This is how we turn mobile home parks into institutional-grade investments with durable, predictable cash flow, and a community residents actively seek out.  Sage Wisdom from Today’s Episode:  * The “3-C” framework Todd uses to turn mobile home parks into high-value communities  * What Todd does as soon as a deal closes to get the park turned around starting day one   * Why the culture of your park (and its managers) will determine your investment outcome  * Todd’s team setup that gives a complete overview of the park’s strengths, needs, and problems to fix  * The biggest problems you will immediately encounter after buying a mom-and-pop park — Connect with Todd on LinkedIn [https://www.linkedin.com/in/todddeleon/] Recommended Resources: * Are you a high net worth investor with capital to deploy in the next 12 months? Build passive income and wealth [https://sunrisecapitalinvestors.com/register-for-the-deal-room/?utm_source=podcast&utm_medium=shownotes&utm_campaign=sage&utm_content=ep27] by investing in real estate projects alongside Brian and his team!  * Learn more from Brian [https://brianspear.com/] and listen to past episodes of The Sage Investor  * Connect with Brian [https://www.linkedin.com/in/brian--spear] on LinkedIn 00:00 Intro 03:40 After the Deal Closes 06:52 From Team USA to Leading MHPs 14:53 Mom and Pop to Institutional Quality 19:00 Managing the Parks (Exact Team) 34:20 1. Community 36:40 2. Curate 39:04 3. Convene 43:16 Todd's Sage Principle 49:04 Operations Determine Outcome

3 Kids Through College. 10+ Worldwide Trips. All Paid for By Real Estate. | Ep. 26

Investing isn’t the end goal—freedom is. Lane Kinney put three kids through college, took numerous trips to Africa, became a record-setting crossbow hunter, and now enjoys a comfortable retirement, all thanks to building a portfolio that prioritized freedom, not riches. No one would have expected a state law enforcement officer from rural Florida to become a sizable self-made entrepreneur, but that’s exactly what Lane did. A chance encounter with a mentor set him on an irreversible path that turned his hard-earned paychecks into properties, financial freedom to travel, paid-off college for his kids, and time to focus on his passions. But when the time came to pass down this durably wonderful, cash-flowing business, his children wanted little to do with it. The lightbulb clicked for Lane—passive income is true freedom. Since then, Lane has invested with Sunrise Capital Investors [https://sunrisecapitalinvestors.com/?utm_source=podcast&utm_medium=shownotes&utm_campaign=sage&utm_content=ep26], giving him the “mailbox money” he sacrificed so many years for. Now, there are fewer tenants, toilets, and trash, and more trips and time with his family. This is how building a lifestyle by design, investing with low leverage (and low risk), and intelligently redeploying your capital gets you to the goal—freedom. Sage Wisdom from Today’s Episode:  * How a law enforcement officer with zero investing experience built a durable, cash-flowing portfolio his family can inherit * Scaling smarter and why using low leverage helps you skate through tough times * The one “greedy” investment that lost Lane money, but gained him an invaluable lesson * Building a portfolio your children will be proud to take over, not a handful of problem properties  * Buying your freedom through diligent, consistent investing, and when to switch from active to passive income — Recommended Resources: * Are you a high net worth investor with capital to deploy in the next 12 months? Build passive income and wealth [https://sunrisecapitalinvestors.com/register-for-the-deal-room/?utm_source=podcast&utm_medium=shownotes&utm_campaign=sage&utm_content=ep26] by investing in real estate projects alongside Brian and his team!  * Learn more from Brian [https://brianspear.com/] and listen to past episodes of The Sage Investor  * Connect with Brian [https://www.linkedin.com/in/brian--spear] on LinkedIn 00:00 Intro 01:37 A Chance Encounter Changes Everything 06:15 First Deals - Farmhouse Foreclosures 08:49 Systematic Scaling (15+ Rentals) 11:23 Don't Touch Your Profit! 13:35 The Expert Eye 14:52 Surviving Big Property Problems 22:13 Buying Your Freedom 25:44 From Active to Passive Income 28:47 Pass Down Wealth, Not Worries 32:02 Real Estate Pays for It All 33:51 Lane's Sage Principle 36:54 Are You Investing for Freedom?

The Tax Foundation Every Passive Investor Should Build | Ep. 25

Most investors spend all their time maximizing returns, but the Sage Investor focuses on something much more meaningful: after-tax cash flow.  A great return means much less when Uncle Sam gladly takes tens of thousands, hundreds of thousands, or millions of dollars out of your hand. So, what’s the “magic elixir” that allows you to take almost all of your gains home, while staying in the government’s good graces? Today, we’re bringing on someone who has saved me and our investors here at Sunrise Capital [https://sunrisecapitalinvestors.com/fund-5-deal-room-new/?utm_source=podcast&utm_medium=shownotes&utm_campaign=sage&utm_content=ep25] millions of dollars over time—Marcus Crigler [https://www.linkedin.com/in/marcus-crigler-cpa-977a45b7/], CEO of BEC CFO [https://beccfo.com/], focusing on high-income tax strategy and fractional CFO services. He’s also my own personal tax strategist.  Marcus clears up the noise about “grouping elections” that so many CPAs have half-baked information on, he explains the “magic elixir” in the tax code that helps real estate investors use passive losses to offset active income, and why having only a tax preparer on your team could cost you tens of thousands in taxes.  This is how to set up your financial foundation so your passive income is taxed as little as possible and most of it stays in your pocket.   👉 Grab Marcus's free Tax Wealth Playbook—the framework he uses to help real estate investors keep more of what they earn! [https://brianspear.com/bec] Sage Wisdom from Today’s Episode:  * The legal way to keep more of your return from real estate investing  * The real estate-specific tax status that allows you to lower your taxable active income with passive losses  * Tax strategist vs. CPA vs. tax planner: which one do you really need as a passive investor? * The “grouping election” that you cannot get wrong, or risk your losses being “locked up” * Questions you should ask a tax strategist before you use their services  — Access Marcus’s Tax Wealth Playbook [https://brianspear.com/bec] Connect with Marcus on LinkedIn [https://www.linkedin.com/in/marcus-crigler-cpa-977a45b7/] BEC CFO [https://beccfo.com/] Defer, Defer, Delete: The Sage Method for a $0 Tax Bill | Ep. 13 [https://brianspear.com/defer-defer-delete-the-sage-method-for-a-0-tax-bill-ep-13/] Recommended Resources: * Are you a high net worth investor with capital to deploy in the next 12 months? Build passive income and wealth [https://sunrisecapitalinvestors.com/register-for-the-deal-room/?utm_source=podcast&utm_medium=shownotes&utm_campaign=sage&utm_content=ep25] by investing in real estate projects alongside Brian and his team!  * Learn more from Brian [https://brianspear.com/] and listen to past episodes of The Sage Investor  Connect with Brian [https://www.linkedin.com/in/brian--spear] on LinkedIn