The self-directed retirement question

1 · Learn the move · Red-team audit

Buying land inside a self-directed retirement account sounds like a clean fit for a land investor, and the plans people write for it are full of ordinary moves that may be the problem: clearing the land yourself on a weekend, buying a parcel from your own LLC, paying a tax bill from your personal card when the account is short, camping on the land. These accounts have rules about who may deal with the account and how, and a step that breaks them can have consequences for the whole account, not just the one purchase. You do not need the model to know those rules. You need it to attack your plan: find every step where you, your family or a business you control touches the property, the money or the account, and write each one up as a question for the custodian, the CPA and an attorney who handles these accounts. It never says a step is permitted, and it never says the plan is safe once the flags are fixed.

Red-team my plan to buy land in a self-directed retirement account. Find every step where I, my family, or a business I own touches the land, the money or the account. Quote the step, say what kind of contact it is, and write the question for the custodian, CPA or attorney. Do not say any step is allowed. End with a verdict: take to professionals as written, or rewrite first.
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