Go Big with Gib Podcast

Ep 97. Tax The Seed, Not The Fruit

• Gib Irons • Episode 97

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Welcome to the Go Big With Gibb Podcast, where we talk to professionals, business owners, and entrepreneurs about their big wins. Welcome back to this episode of Go Big With Gibb, the show where we talk about wealth, freedom, and how to make your money work smarter, not harder. Today I'm breaking down one of the most powerful retirement strategies I've ever seen, the Roth Conversion Strategy and why it could completely change the game for your financial future and for your legacy. Here's the big idea tax the seed, not the fruit. Think about that for a second. Would you rather pay taxes on a small seed now or on the giant tree that grows from it later? That's the essence of a Roth conversion strategy through Health Wealth Capital self-directed IRA program. It lets you use your existing IRA or 401k money that's already working for you and redirect a portion into a powerful alternative asset like medical real estate while setting yourself up for tax-free growth. Here's how it works in four simple steps. Step one, you invest$100,000 from your existing IRA or 401k into the Health Wealth Capital Medical Real Estate Fund using a self-directed IRA. Step two, after closing, the fair market value of your investment can be professionally appraised at around$50,000 since this is a long-term illiquid asset. Step three, you then convert that$50,000 value into a Roth self-directed IRA and pay taxes only on the reduced value, roughly$18,500 for most investors. Step four, from that point forward, your investment grows completely tax free inside the Roth IRA forever. That's it. Four steps that change how you build and keep wealth. Now let's talk about the magic of compounding. Over 20 years, through four five-year cycles of doubling, that same$100,000 could grow to about$1.6 million. And because it's in a Roth IRA, when you retire, every single dollar of that growth is 100% tax free. By comparison, if you kept that same investment inside a traditional IRA, you would owe roughly$600,000 in taxes when you take distributions later. That's the difference between paying tax on the seed or on the fruit. The Roth conversion strategy changes everything because it locks in today's tax rates, which are historically low, and positions future growth to be tax free. And this isn't just about saving on taxes. It's about owning real assets that provide passive income, long-term appreciation, and diversification, all through a self-directed retirement plan. Best of all, Health Wealth Capital handles the entire process through their done for you IRA program from setup to custodian communication to conversion. That makes it seamless so you can focus on your financial freedom. So if you've ever wanted your retirement dollars to work harder, this could be your path. Just remember, this is not financial advice. I'm simply sharing with you what I'm doing and what I believe in. As always, consult your CPA or tax advisor before making any moves. And remember, this should be a portion of your overall portfolio, but one you'll want exposure to. I'm Gib Irons. Thanks for listening to this episode of Go Big with Gibb. Until next time, build your wealth, protect your freedom, and keep thinking big. Thank you for listening to this episode of Go Big With Gibb. If you haven't already, go follow us on social media at Gib Irons. We'll see you next time.