SELF-DIRECTED IRAS & RETIREMENT CAPITAL STRATEGY

A Disciplined, Long-Term Investment Approach

Expedition Equity works with high-income professionals and investors to help them understand and implement self-directed IRAs as part of a broader investment and capital strategy.

Traditional retirement accounts often limit investors to public markets, reducing flexibility and control. A self-directed IRA allows qualified retirement capital to be allocated into alternative investments while maintaining tax-advantaged status.

Our focus is on education, structure, and alignment so investors can determine whether this approach fits their long-term objectives and risk profile.

Why Investors Consider Self-Directed IRAs

As portfolios grow and investment experience expands, many investors seek greater control over how their retirement capital is allocated. Self-directed IRAs offer the ability to invest beyond traditional stocks and mutual funds.

This approach can be especially relevant during career transitions, job changes, or rollovers from former employer plans, when retirement accounts are eligible to be repositioned.

While self-directed IRAs introduce additional responsibility and complexity, they can offer meaningful flexibility when used thoughtfully and within IRS guidelines.

Key Characteristics of Self-Directed IRAs

When implemented with discipline and proper guidance, self-directed IRAs offer structural features that appeal to long-term investors.

INVESTMENT FLEXIBILITY

Self-directed IRAs allow retirement capital to be invested into a wider range of alternative assets beyond traditional public markets.

TAX-ADVANTAGED STATUS

Investments held within a self-directed IRA retain the tax characteristics of the underlying account type, subject to IRS rules.

LONG-TERM ORIENTATION

Retirement capital is typically positioned with a long-term perspective, aligning well with private and alternative investment strategies.

RULE-BASED STRUCTURE

Successful use requires adherence to IRS regulations, including prohibited transaction and disqualified person rules.

How Self-Directed IRAs Are Commonly Used

A self-directed IRA enables investors to deploy qualified retirement funds into alternative investments while maintaining tax-advantaged treatment.

Capital may be rolled over from former employer plans or existing retirement accounts into a self-directed structure, then allocated according to the investor’s strategy.

Because these accounts operate under specific regulatory requirements, education and proper setup are essential to avoid unintended consequences.

Our objective is not to oversimplify self-directed IRAs, but to approach retirement capital thoughtfully with an emphasis on structure, education, and long-term alignment.

Types of Investments Commonly Held in Self-Directed IRAs

Private real estate and real asset investments
Private equity and operating company interests
Private credit and income-oriented opportunities
Select alternative and specialty investments

Where Retirement Capital Is Commonly Deployed

These represent common ways investors utilize self-directed IRAs within a broader investment strategy. Individual circumstances vary.

Real Estate

We invest across select real estate strategies where long-term fundamentals, disciplined underwriting, and experienced operating partners support durable value creation.

Opportunities may include income-producing assets, development-oriented strategies, and other real asset investments evaluated on a case-by-case basis.

Private Equity

We participate in private equity opportunities, including business acquisitions and roll-up strategies, where operational improvement, scale, and alignment of incentives drive value over time.

These investments are typically active in nature and rely on experienced management teams executing well-defined growth strategies.

Energy (Oil & Gas)

We selectively allocate capital to energy-related investments, including oil and gas opportunities, where asset quality, structure, and risk management are central to the investment thesis.

These opportunities are evaluated with an understanding of commodity exposure, cash flow variability, and the unique risks inherent to the sector.

Our Approach to Self-Directed IRAs

Step 1
EDUCATION & ELIGIBILITY

We help investors understand how self-directed IRAs work, including eligibility, rules, and whether this structure fits their goals.

Step 2
ROLLOVER & SETUP

When appropriate, retirement capital is transitioned from existing accounts into a self-directed IRA with proper coordination.

Step 3
STRATEGY ALIGNMENT

Investors evaluate how retirement capital fits alongside taxable investing, alternative assets, and long-term objectives.

Step 4ONGOING AWARENESS

As investments and circumstances evolve, investors remain informed of responsibilities and considerations associated with self-directed accounts.

Begin an Investor Alignment Conversation

If you are considering a self-directed IRA or have recently experienced a job change or rollover event, we invite you to start with a conversation. Our goal is to help you understand whether this approach aligns with your broader investment strategy and objectives.

Schedule an Introductory Call