Self-Directed IRAs

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Overview Of Self-directed Retirement Accounts

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Certain accredited investors choose to utilize self-directed retirement accounts, such as self-directed IRAs or qualified retirement plans to gain exposure to alternative asset classes beyond traditional public markets.

Unlike conventional retirement accounts limited to stocks, bonds, and mutual funds, a self-directed retirement account allows an investor subject to IRS regulations and custodian requirements to allocate retirement capital into a broader range of investments, including private real estate lending.

When properly structured and administered through a qualified custodian, self-directed retirement accounts can serve as an efficient vehicle for investors seeking diversified exposure to private market opportunities while maintaining tax-advantaged retirement status.

Borges Capital does not provide tax, legal, or investment advice. Investors should consult their own advisors and custodians to determine suitability.

Why Some Investors Explore SDIRAs

Investors who consider self-directed retirement accounts often do so for reasons such as:

Long-term capital allocation
Portfolio diversification
Exposure to alternative, asset-backed investments
Each investor’s circumstances are unique, and the appropriateness of any retirement-based
Investment depends on individual financial, tax, and legal considerations.

Private Real Estate Credit

Private real estate credit investments are typically structured as asset-backed lending arrangements, where capital is secured by underlying real property. Some investors evaluate this structure when considering long-term capital allocations within a retirement framework.

There can be no assurance that any investment will achieve its objectives, and all private investments involve risk.

Important Considerations & Restrictions

Self-directed retirement accounts are subject to strict rules and limitations, including but not limited to:

Prohibited transaction rules
Restrictions involving disqualified persons
Custodian approval and administration requirements
Illiquidity and long-term capital commitment considerations
Failure to comply with applicable rules may result in adverse tax consequences.

Are you an accredited investor? Review our Investor FAQ.

Borges Capital’s Role

Borges Capital does not act as an IRA custodian, administrator, or advisor.
The firm does not provide tax, legal, or retirement planning advice.

Borges Capital does not determine whether an investor may use retirement assets and does not assess IRA eligibility, tax treatment, or compliance. Investors are solely responsible for consulting their own advisors and custodians.

Custodians

Some investors work with independent self-directed IRA custodians. Examples of custodial firms that investors may be familiar with include:

These custodians are listed for informational purposes only. Borges Capital is not affiliated with, does not endorse, and receives no compensation from any custodian. Investors are free to work with any custodian of their choosing.

Next Steps

Investors interested in learning more about Borges Capital may schedule an introductory conversation. Any discussion is informational only and does not constitute an offer or solicitation to invest.

Are you an accredited investor? Review our Investor FAQ.