December 2018 Note from the Principals

It’s the holiday season, which means it’s also the spending season. Savvy consumers may tap two of the year’s biggest shopping days—Black Friday and Cyber Monday—to garner the best possible deals as they tackle the wish lists of their friends and families. Self-directed investors like you can reflect on this season and take the opportunity to consider how you might be able to save money with your IRA activities:

  • Are you paying multiple fees with multiple IRA providers because one account holds stocks and your self-directed account holds alternative IRA investments? Now that NDTCO clients can hold publicly traded equities, you may not have to. You can transfer your stocks, mutual funds, or other such assets to NDTCO in-kind (without selling your positions) where they will join your self-directed IRA portfolio and eliminate the need to manage two accounts and pay two custodians. The NDTCO fee for holding these assets will be included on your regular invoice.

    You may leave your transferred assets alone or liquidate them if you decide to allocate additional capital toward alternative investment options. Ours is a “transfer-and-hold” system, meaning you can maintain your publicly traded holdings and allow them to continue earning dividends or capital gains until/if you choose to sell them. However, we do not have the capacity to offer active trading at this time.

  • Why not save money in the very way many of these retirement plans are designed for - By paying fewer taxes? If you have a pre-tax account like a Traditional IRA, your annual contributions may be deducted from your income for tax purposes. As such, you could make additional contributions (if you haven’t already met your IRA contribution limits for this year) to your pre-tax plans to defer as much of your income as possible when you file your 2018 taxes.

The beauty of these possibilities? They apply year-round and can benefit your accounts anytime, not just when the holidays roll in and the stores offer their one-day feeding frenzies.

The end of the year can also be a good time to review your overall account and make any necessary updates. If your contact information (physical/mailing address, e-mail address, phone number, etc.) has changed or your need to revise your beneficiaries, please don’t hesitate to contact us. As with the cost-saving options listed above, you can execute these updates whenever needed.

Give us a call at 877-742-1270 or send us an email at to discuss your options, or to inquire about self-directed investing in general.


Catherine Wynne & Bill Humphrey