Episode 45: Kaaren Hall – Self Directing IRA’s and Retirement

I’d like to introduce Kaaren Hall, her company uDirect IRA helps you manage your retirement 401k or IRA and convert that to a self-directed IRA that allows you to control your investments and direct them into a wider base of asset classes.

Kaaren says, “This is an essential service because we all need to save for retirement.” There is a $27 trillion dollar pool of money in retirement funds and 97% of that is NOT self-directed. Many CPA’s and attorneys do not even know about this option even though it has been available since the 1970s. Having a self-directed IRA allows you to invest in many other areas like rental properties, LLC’s, real estate and private lending.

There are some drawbacks with this these types of IRA’s in that you cannot write-off losses. Therefore, as with any investment, you have to do your due diligence to make sure that you won’t experience losses with your investment. She discusses the important rules that exist regarding what you can and can’t do with a self-directed IRA. There are also some limits on how you are allowed to do business within an IRA. Self Directing is all about securing your retirement. So if you break the rules your IRA can be dissolved, and taxes will be due.

This is why she is committed to working with her clients to determine if a self-directed IRA would fit their specific set of circumstances.

There are benefits with buying real estate with an IRA as capital gains, and positive cash flow is tax-free which gives the potential to earn a larger rate of return on invested capital due to the compounding effect. Your IRA can even potentially borrow money which can leverage your investment and improve your overall rate of investment (ROI). All income must go back into the IRA and any expenses must likewise come from only that IRA.

If you are interested in learning more and/or opening a Self-Directed IRA you can contact Kaaren directly at uDirect or by emailing her at KHall@uDirectIRA.com.

Talking Points From This Week’s Episode
• You can manage your retirement investments outside of wall street;
• Being able to compound your gains year over year is a significant advantage;
• With a self-directed IRA, you are responsible for all gains or losses, and you can’t replace losses easily.

About Our Guest
Kaaren Hall is CEO & something of uDirect IRA Services. She founded and made a resounding success of uDirect IRA Services in 2009. She has twenty years experience in mortgage banking, real estate, and property management. She realized that an untapped solution to extra taxes was the untapped market of self-directed IRAs.

Because self-directed IRAs can have a dramatic impact on retirees’ quality of life, Hall brings her full passion to educating Americans about the little-known investment vehicle. She has educated tens-of-thousands of investors and professionals on how to build wealth by taking control of self-directed IRAs.

She says, “Financial literacy is not taught in schools, but our future depends on understanding it. Only about 4% of U.S. investors have a self-directed IRA. Why? Because most investors and many advisors simply aren’t aware of it.”


  1. Susan Warren

    Great information on Self Directed IRAs, I wish I had known this information 5 years ago, better late than never! Your topics are great, every week I look forward to your podcast and learning, learning, learning! Thanks Gena!

    1. Gena Lofton

      It’s amazing when you think about how much we were not taught in school, so glad that I am able to fill a void, at least partially, thanks for your feedback.

Leave a Reply

Your email address will not be published. Required fields are marked *