Q: How long has Lasaii been assisting clients in structuring SAFE HARBOR®-Directed IRA™?

A: Since 1992. We have hundreds of satisfied clients across 36 states and four countries.

Q: Which of my retirement accounts will qualify for Lasaii’s program?

A: Most IRAS, 401 (k)s, and employer sponsored retirement plans are eligible for rollover or for reallocation to a SAFE HARBOR®-Directed IRA™. The particulars of the plan, your age and your employment status will determine eligibility.

Q: Can my family and I occupy the real estate we purchase with your program?

A: Yes. Our program is flexible, and we can assist you in designing a structure that allows you to occupy the property whether as a vacation home, a primary home, a primary residence, commercial real estate or rental property.

Q: How much does Lasaii’s program cost?

A: The majority of our clients pay no fees at all out of pocket to establish the SHIRA™. There are no annual fees. The Custodian pays compensation directly to Lasaii’s consultant, which results in no out of pocket cost to the client.

Q: What is the minimum funding requirement to establish a SAFE HARBOR®-Directed IRA™?

A: $100,000. But allowances will be made on an individual basis. For example, we work with homeowners who are struggling to make their monthly mortgage payments due to job loss or other challenging economic situations. Your SHIRA™ can be structured to provide additional monthly income to apply to existing mortgage payments and property taxes up to the amount allowable by law to tide you over during this transition time.

Q: Can I buy real estate in a country other than the United States?

A: Yes, provided you are legally allowed to buy real estate in that country, you file US tax returns and you can obtain a mortgage for that purchase.




Q: What if I have already purchased a vacation home? Can Lasaii put my retirement monies to work to pay for it?

A: Yes. Any existing mortgage you have is eligible for a SAFE HARBOR®-Directed IRA™, including the mortgage for the home you live in now.

Q: Do I need to have my real estate identified and ready to purchase when I start working with Lasaii?

A: No. The first step is to transfer your IRA funds to a SAFE HARBOR®-Directed IRA™ account where the principal is protected against a potential decline in the stock market. You may take as long as you’d like to choose your real estate.

Q: What restrictions apply to the type of real estate I can buy?

A: You may purchase or build a primary residence, a second (or vacation) home, investment real estate (residential, commercial or land to build). You may purchase as an individual or with a partner(s).

Q: What happens if I need to sell real estate purchased using my SAFE HARBOR®-Directed IRA™?

A: Just as you may purchase your real estate at any time, you are also free to sell it at any time. The flexibility of the program allows you to redirect the SHIRA™ proceeds to support the mortgage payments for a different property you choose to buy, or you can use it to support an existing mortgage. You can also choose to leave your SHIRA™with the same custodian and use the proceeds for retirement income.

Q: Do you have to be over the age of 55 to participate in our program?

A: No, the SHIRA™ is for people of all ages.

Q: Can two families buy a vacation home and share ownership and occupancy?

A: Yes they can!

Q: Can you use your SHIRA™to remodel?

A: Yes you can!