Retirement Accounts | IRA Investments

 
 

Getting Started with a Retirement Account

Investing through an IRA or other retirement account in one or more of the funds or trust deeds offered by Wilshire Finance Partners can provide a number of additional benefits for an investor, including those benefits discussed below. Making such investments is relatively simple and your Wilshire investment representative is experienced with retirement account investments and will assist you with coordinating the paperwork and the investment. If you have any questions regarding new or existing investments with Wilshire through your IRA or retirement account, please contact us at (866) 575-5070.

The first step in the process is completing the paperwork to establish a self-directed retirement account through your IRA or retirement plan custodian. To the extent your present custodian does not have the ability to establish a self-directed retirement account, your Wilshire investment representative can assist you in the selection of a qualified custodian to establish the self-directed retirement account. Once the account is established, and after you have selected the fund or trust deed investment that aligns with your investment objectives, the custodian will act on your instructions to purchase the investment and the investment is transferred to your retirement account. Thereafter, income and other payments are made directly into your retirement account with the custodian (or in the case of one of the Wilshire funds and at your election, reinvested into the fund). The entire process is transparent and an investor may review their account history for any Wilshire related investments with their retirement plan custodian or on-line.

Investment Benefits

Investing in one or more of the funds or trust deeds offered by Wilshire Finance Partners through your IRA or retirement plan can be an excellent way to gain certain tax benefits and address basic investment fundamentals:

Tax 1

Interest income is tax deferred with a traditional IRA or retirement account. In the case of a Roth IRA the income may be tax free. As a result, many investors realize the added benefit of a higher yielding investment providing additional growth in a tax-deferred environment and/or the ability reduce or avoid tax liability.

Growth

A higher yielding investment in a retirement plan has the potential to generate additional growth because of the tax deferred nature of the investment. Further, because the Wilshire funds permit an investor to reinvest any income and distributions from the fund back into the fund, an investor would receive a compounding affect on their investment.

Stability

Because of the underlying nature of trust deed investments, whether held individually or through the WFP Income Fund, there is an equity cushion to help protect your principal investment. As a result, investors will not experience the same type of volatility and fluctuation experienced with stocks, bonds, mutual funds and other investments traditionally held through an IRA or other retirement accounts. Further, the interest rate payable on most trust deeds and the underlying fund investments is fixed through the term of the loan. This generally results in more stable income and returns for the investor.

1 – Wilshire Finance Partner’s, Inc. does not provide legal, accounting or tax advice. Please consult your tax advisor.

We recommend that all investors become familiar with trust deed investments prior to investing. Among other materials, the California Department of Real Estate has published a booklet on trust deed investing which may be located at: CDRE Trust Deed Booklet  

To learn more about investing through your IRA or retirement account call us at (866) 575-5070 or request additional information now!

* ADDITIONAL DISCLOSURES:

ADDITIONAL DISCLOSURES FOR TRUST DEED AND MORTGAGE INVESTMENTS:

The information contained on this Website (the “Overview”) is not an offer to sell or the solicitation of an offer to purchase trust deed or mortgage investments (individually and collectively, the “Loans”). The purpose of this Overview is to provide an overview of one or more Loans and its private placement. Persons interested in learning about one or more Loans and their private placement will be provided with the Private Placement Memorandum (inclusive of exhibits thereto and any supplements, the “Memorandum”) prepared by Wilshire Finance Partners, Inc. (“Wilshire”), which provides a description of the particular Loans, the terms of the private placement, a discussion of risk factors, a subscription agreement and other information related to an investment in one or more Loans. To the extent that there is any inconsistency between the information provided in this Overview and the Memorandum and its accompanying exhibits, the Memorandum and its accompanying exhibits shall control. This Overview and the Memorandum contain certain forward-looking statements regarding an investment in the Loans. The forward-looking statements are based on current expectations that involve numerous risks and uncertainties which are difficult or impossible to predict accurately and many of which are beyond the control of Wilshire’s management, including, but not limited to, national and international economic conditions, changes in legislation, and other factors that can disrupt economic stability. Although Wilshire believes that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove inaccurate and, therefore, there can be no assurance that the forward-looking statements will prove to be accurate. In light of the significant uncertainties inherent in the forward-looking statements, the inclusion of such information should not be regarded as a representation by Wilshire, any placement agent, or any other person, that the respective objectives and strategies of investing in one or more Loans will be achieved. An investment in any Loans may be made solely by accredited investors (which for natural persons, are investors who meet certain minimum annual income or net worth threshold), who are provided with the Memorandum and who complete, execute and deliver the subscription documents included therein. Loans are securities and each of the Loans are being offered in reliance on an exemption from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”), provided by Regulation D, Rule 506(c), and are not required to comply with specific disclosure requirements that apply to securities registered under the Securities Act. Neither the Securities Exchange Commission nor any state securities regulator or agency has passed upon the merits of or given its approval to the securities, the terms of either offering, or the accuracy or completeness of any offering materials. As securities offered in an exempt transaction, each of the Loans are subject to legal restrictions on transfer and resale and investors should not assume they will be able to resell the Loans. Past performance is not indicative of future results. Investing in Loans involves substantial risk, including loss of investment, and is not suitable for all investors. Loans made by Wilshire Finance Partners, Inc., Bureau of Real Estate Broker’s License number 01523207. Loans made by Wilshire Finance Partners, Inc. outside California will be made pursuant to licenses, authorizations or exemptions in each other state.

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ADDITIONAL FUND DISCLOSURES:

This Investor Executive Overview (“Overview”) is not an offer to sell or the solicitation of an offer to purchase the securities of WFP Income Fund, LLC or the WFP Opportunity Fund, LLC (individually and collectively, the “Fund”). The purpose of this Overview is to provide an overview of each Fund and its private placement. Persons interested in learning about either Fund and its private placement will be provided with such Fund’s Private Placement Memorandum (inclusive of exhibits thereto and any supplements, the “Memorandum”), which provides a description of the Fund, the terms of the private placement, a discussion of risk factors, a copy of the Fund’s limited liability company operating agreement, a subscription agreement and other information related to the Fund. To the extent that there is any inconsistency between the information provided in this Overview and the applicable Memorandum and its accompanying exhibits, the applicable Memorandum and its accompanying exhibits shall control. This Overview and each Memorandum contain certain forward-looking statements regarding the respective Fund’s investment objectives and strategies. The forward-looking statements are based on current expectations that involve numerous risks and uncertainties which are difficult or impossible to predict accurately and many of which are beyond the control of the Fund’s management, including, but not limited to, national and international economic conditions, changes in legislation, and other factors that can disrupt economic stability. Although the Fund’s management believes that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove inaccurate and, therefore, there can be no assurance that the forward-looking statements will prove to be accurate. In light of the significant uncertainties inherent in the forward-looking statements, the inclusion of such information should not be regarded as a representation by Fund’s management, any placement agent, or any other person, that the respective Fund’s objectives and strategies will be achieved. An investment in either the Fund may be made solely by accredited investors (which for natural persons, are investors who meet certain minimum annual income or net worth threshold), who are provided with the Memorandum for the respective Fund and who complete, execute and deliver the subscription documents included therein. The securities of each Fund are being offered in reliance on an exemption from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”), provided by Regulation D, Rule 506(c), and are not required to comply with specific disclosure requirements that apply to securities registered under the Securities Act. Neither the Securities Exchange Commission nor any state securities regulator or agency has passed upon the merits of or given its approval to the securities, the terms of either offering, or the accuracy or completeness of any offering materials. The securities of each Fund are subject to legal restrictions on transfer and resale and investors should not assume they will be able to resell the securities. Past performance is not indicative of future results. Investing in either Fund involves substantial risk, including loss of investment, and is not suitable for all investors.

 

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