You don’t ask a bank for permission. Your retirement money shouldn’t have to either.

I’ve teamed up with Unified Wealth to show you how investors use a self-directed IRA or solo 401(k) to buy real estate, inside the IRS rules. It’s free. Grab a seat for the next training.

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What we’ll cover

Self-directed IRA, self-directed Roth, solo 401(k): what each one is and which fits you.

The account that can buy the deal

How an old 401(k) or IRA moves over without taxes or penalties as a direct rollover.

Moving old money the right way

What the account can buy, who it can’t do business with, and the mistakes that blow people up.

The rules

Got business income? Ask about the solo 401(k).

If you wholesale, flip, sell real estate, consult, or run any business with no full-time employees other than a spouse, you may qualify for a solo 401(k). It allows much higher contributions than a regular IRA, and it can be set up to invest directly in real estate. We’ll cover who it fits and who it doesn’t.

Most retirement accounts keep you in a box

Fees you never see

Fees quietly come out of your nest egg year after year, whether the account does well or not.

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Limited options

Stocks, bonds, and mutual funds from a menu someone else picked. Real estate isn’t on it.

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No say in where it goes

You put up all the money and take all the risk, but you don’t decide what it’s invested in.

If the IRS allows it, your account can hold it

With a self-directed IRA or solo 401(k), your retirement money can go into what you know and believe in:

Real estateSingle-family, multifamily, land, commercial

Tax liens & deedsBought at county sales

Private lending & notesLoans and joint ventures

Precious metalsGold, silver, platinum, palladium

Private businessesStartups and private equity

And moreWithin IRS rules on what an account can own

What Unified Wealth sets up for you

When you open a self-directed account through Unified Wealth, the team handles the heavy lifting:

Entity setup and EIN
401(k) plan or IRA trust documents
Self-directed 401(k) and/or IRA, pre-tax and/or Roth
Help moving your accounts from your current custodian
Checkbook control, so you can fund deals directly
An online account management portal
First year of annual maintenance fees covered
Customer support for the life of the account

$100M+in client assets at Unified WealthAs announced by Unified Wealth, October 2025

How it works

Watch the free training

Learn the accounts, the rollover, and the rules with Pace and the Unified Wealth team.

Get your account set up

If you want help, the team handles the paperwork, the rollover, and the compliance. Most setups finish within 3–5 business days of the welcome call; rollovers take 2–8 weeks, depending on your current custodian.

Invest in what you know

With checkbook control, you choose where your retirement money goes, inside the IRS rules.

Frequently asked questions

How long does it take to set up?

Most clients are fully set up within 3–5 business days after their welcome call. Rollovers usually take 2–8 weeks, depending on how fast your current custodian moves. Once the account is funded, it’s ready to invest.

What can I invest my retirement money in?

Almost anything the IRS allows: real estate (single-family, multifamily, land, commercial), tax liens and deeds, private lending, notes and joint ventures, precious metals, private businesses, and more. What the IRS prohibits are certain transactions, like buying property you live in or doing deals with close family. We cover those rules on the training.

Is the account interest-bearing?

No. A self-directed IRA or solo 401(k) doesn’t earn interest like a bank savings account. What it earns depends on what you invest it in, such as rent, interest on a loan you make, or a property’s change in value. Every investment carries risk, including loss of principal.

Can I borrow against my account?

With a solo 401(k), the plan can allow a participant loan of up to 50% of your balance, capped at $50,000, which you pay back to your own account with interest. IRAs can’t lend to you or to “disqualified persons”; the IRS prohibits it.

Is this actually legal?

Yes. Self-directed retirement accounts have been around since the 1970s. The IRS doesn’t ban real estate in a retirement account; it bans certain transactions. That’s why the setup matters, and why we walk through the rules.

Your host: Pace Morby

Pace built his business on one idea: you don’t need a bank’s permission to buy real estate. He’s teamed up with Unified Wealth, who handle the setup, the paperwork, and the rules for self-directed accounts every day.

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