eQRP® FAQs

An eQRP® (Enhanced Qualified Retirement Plan) is a self-directed retirement plan that gives you complete control over your investments. Unlike traditional IRAs and 401(k)s, you decide what to invest in—real estate, crypto, private equity, or anything else allowed by law. You keep more control, avoid unnecessary fees, and achieve better returns.

Real estate, private equity, crypto, oil & gas, hard money loans, franchises, syndications, options, gold/silver/platinum, and much more. The law says you can invest in almost anything except life insurance, S-corp stock, and a few other prohibited items. See our full investment grid below for details.

Yes! You can perform a tax-free rollover of your existing 401(k), traditional IRA, or Roth IRA into an eQRP®. This gives you access to all the investments and freedom you couldn't access in your old plan. Our team handles the paperwork.

Both are self-directed plans, but eQRP® offers more flexibility and fewer administrative requirements. Solo 401(k)s require annual filings; eQRP® is simpler. Both allow broad investments and avoid UBIT on real estate. We recommend eQRP® for most people due to its simplicity and lower compliance burden.

Absolutely. You can hold Bitcoin, Ethereum, altcoins, and other cryptocurrencies inside your eQRP®. All gains are tax-free until you take distributions. This is one of the biggest advantages for crypto investors.

Setup typically takes 3-5 business days from when you submit your application. We handle all the paperwork, documentation, and compliance requirements. Once approved, you can start investing immediately.

Your eQRP® assets are protected from most creditors and lawsuits. The plan is separate from your personal business liability. However, liability protection depends on your state's laws and the type of asset. We recommend consulting with an attorney about your specific situation.

Yes. You can establish an eQRP® for the prior tax year as long as you set it up before the tax filing deadline (including extensions). This allows you to claim contributions on your previous year's return.

UBIT (Unrelated Business Income Tax) typically does NOT apply inside an eQRP®, even for real estate syndications. This is one of the biggest advantages over traditional IRAs, where UBIT would be 37% on syndication gains. eQRP® exempts you from this tax.

You and your CPA handle personal tax reporting. eQRP® provides all the documentation and guidance your CPA needs. We ensure everything is structured correctly for compliance. Our support team is always available if your CPA has questions.

No. When you sell property inside your eQRP®, the gain remains inside the plan tax-free. UBIT does not apply because the eQRP® structure exempts you. This is why real estate investors love eQRP®.