Welcome to another episode of the IRA Cafe podcast, hosted by Kyle Moody and powered by American IRA! In this engaging edition, Kyle sits down with John Ford, the founder and CEO of Bel Air Lending, for an in-depth look at private lending as an alternative investment for self-directed retirement accounts. Listeners will be walked through John’s journey from accidental landlord to the leader of a $44 million private lending enterprise, discovering how his background, team, and investment philosophy have fueled Bel Air Lending's impressive growth. Along the way, John Ford introduces his company’s unique approach, leveraging property-specific lending trusts and pledging his own net worth to ensure investor security, while also sharing personal stories—including the inspiration behind the company’s name and their beloved golden retriever mascot, Goldie.

Throughout the conversation, Kyle and John explore the versatility of self-directed IRAs, the advantages of private money lending, and the diverse backgrounds of Bel Air’s over 300 investors from across 25 states and even Ecuador. John Ford demystifies how even those with limited time or experience can gain access to high-yield, real-estate-secured investments through an easy, hands-off process. If you’ve been curious about growing retirement funds beyond traditional real estate or stock market options, this episode offers both inspiration and practical insights.

Key takeaways:

1. Private Lending as an IRA Strategy: Self-directed IRA investors aren't limited to owning physical real estate; they can participate as private money lenders, either funding loans directly or investing in entities like Bel Air Lending, allowing for more passive, diversified involvement.
2. Bel Air's Unique Structure and Safety: Bel Air Lending operates through over 100 property-specific lending trusts instead of a pooled fund. They maintain investor safeguards by never directly touching client funds and pledging their own net worth as an additional layer of protection—resulting in no investor losses across 550+ loans.
3. Diverse, Hands-Off Opportunities: Both new and seasoned investors can participate, with minimums starting at $10,000 for American IRA referrals, and investments accommodating a wide range of account types—personal, business, 401(k), and more. Clients range from retirees to young children with educational savings accounts, and even include professionals like doctors, hedge fund managers, and a Blackhawk helicopter pilot.
4. Team Strength and Operational Excellence: John’s background as a licensed general contractor and the support of a well-rounded team (including legal, marketing, and operational experts) allows Bel Air to respond quickly to borrower challenges, manage risk effectively, and ensure a streamlined experience for investors.
5. Real Estate Returns Without the Hassle: Private lending with Bel Air offers investors access to real estate-backed returns (typically 10–13%) without the need to actively manage properties. This approach allows professionals, retirees, and anyone with limited time to put their money to work efficiently while benefitting from the company’s experience and hands-on risk management.

Tune in to learn how John Ford and Bel Air Lending can help you make your retirement funds work smarter while maintaining control, flexibility, and peace of mind. Whether you’re new to alternative investing or seeking new opportunities for your self-directed IRA, this episode provides valuable insights to expand your financial toolkit!

It's not all about real estate. Private lending is also another huge asset class that people invest in when using a self directed retirement account. And if you don't want to do it directly from your self directed ira, guess what? You don't have to. You can actually make investments into a company like Bel Air Lending where they are going to lend the money out at your direction. Join us on the next episode when we sit down with the founder and CEO Joe John Ford, who's going to tell you all about how it works. Oh, and by the way, you might also find out how he grew over $40 million in less than a decade as well. We'll see you then. Well, hello there everyone.

Welcome wherever and whenever you are listening to us on the podcast today, this is another episode of the IRA Cafe powered by American ira. For those of you who are have been here and heard a number of our presentations, you know all about American ira. If you're new to the show, let me introduce you to the company American ira, which is where we specialize in self directed retirement accounts. Whether that's going to be a self directed IRA, whether it's going to be a solo 401k. And oh by the way, if you also need LLC services inside of your ira, we got you covered on all of it. So right here you're going to you'll see our website. If social media is your thing, always find us on Facebook and you can like us there. And also if you're surfing the YouTube channels, you can definitely find us and subscribe.

You'll see these podcasts and others there along with webinars and any of our other educational information. So once again, thank you, thank you for joining us and spending some time here. Before we get to our guest, just some questions out there for folks. A lot of folks think when they're using a self directed IRA or quite honestly when they're getting into investment at all, they might only hear real estate, okay? And all the different facets of it. Whether it's going to be a fix and flip, whether it's going to be a buy and hold with tenant occupied properties, is it going to be commercial property, is it going to be just raw land and then you'll find something else to do with it. Keeping in mind that you can do all of that outside of your retirement account, but definitely inside of your retirement account as well. What if you're a person who's been doing real estate for a number of years and you're thinking, yeah, I really want to get into the Self directed game. I want to see if there's any other facets of investing out there, but I don't know if real estate is it.

Well, what about if you became a private money lender out of your retirement account? Did you know that you could actually do that? I can't tell you the number of times when people find that there are so many other asset classes that they can invest in with their self directed IRA. Today we're bringing on a guest who not only does he understand how someone can use a self directed account or do private lending as they wish, but. But he also is the CEO and founder of a company that is a private lending company. And yes, you are able to actually use self directed funds to invest in companies like this where they can take on your lending project. I'm not going to tell you anything about that. I'm going to let him do that. So without further ado, I want to bring on John Ford, who is the founder and CEO of Bel Air Lending.

Thank you, Kyle.

About a year and a half ago actually at a Triad RIA investor association meeting, we were both vendors there side by side and we got to talking. One of the things that you may see here in a little bit that always draws attention is that their mascot, their company mascot, is a golden retriever. And after having a couple of those in my life, I wonder, is there any other type of dog but Goldie the golden retriever is the Bel Air mascot. There's Goldie right there. We're going to have John tell us about the company and about the team. But he has been a resource not only for us, but also clientele who have been able to use his services of which we and our clients are eternally grateful. And what better way to say thank you than bring him on, let him educate all of you, let you know how you can use their services along with your self directed ira. So John, welcome to the show.

Well, thank you so much, Cal. Appreciate the opportunity to share. Yes, Goldie is an English cream golden retriever. He looks like a golden retriever, but he's white. He's almost 100 pounds and four years old. And he is the, he gets all the attention around here and he makes all the money. So we're, he's really brought a lot of joy into our life, right?

Rightfully so. You know, really quick, before we get into your background there, there's a lot of birds behind you. Tell us about the birds.

Well, I would say three years ago, put out a bird feeder and started identifying birds that we saw and we would print a copy from the Internet and, and write the name of it and put it on the board. And after three years, I bet there's 30 different birds, not counting male and female, but that's probably 60 that we've identified out here. I've got like five feeders out place for water, a couple of bluebird feeders, hummingbird feeders when the season's here. And it's just opened up a whole new world for me to identify the birds that are around.

That's fantastic. And you know, folks, I always say that, you know, I don't know everything, even when I am doing interviews here on the podcast. I didn't know that John was a bird guy. Even I learned something here on the podcast. So, you know, even if you find out later that private lending isn't your investment cup of tea, well then maybe you can learn something about birds as well. But that'll be a different, different conversation all together with John. John, if you wouldn't mind, if you would us all a background of you. Who is John Ford? And then really as you are talking about that, I'm going to also let you introduce the emergence of Bel Air.

So tell us, you know, we all, we all know about, you know, the fresh princess path to Bel Air. So let's, let's hear about John Ford's, John Ford's path to Bel Air as well.

Well, just a side note, the name Bel Air came from my very first car. So when I was 17, my dad bought a 1959 Chevy Bel Air from his dad for $100. And it was black with a white top. We named it the Batmobile. And that got me around pretty good for a couple years in high school and first couple years of college. So my wife likes the Bel Air town and area in California in the hotel and. But if truth be known, it's really because of the car. That's how we got the name Bel air lending.

So 15 years ago, I became a real estate investor and my wife Jeannie and I were buy and hold landlords. And that was basically all we were doing. Someone would bring a wholesale deal and I would just like, nah, I'm not interested in that. And I wouldn't even try to make any money from it. I just would buy a house, fix it up, get a mortgage on it and rent it out. And after about seven houses, we ran out of money. We were kind of stuck. Like, you know, we didn't know about investment money and hard money lending, and we were just sort of stuck So I got a hold of a podcast from a president of RIA in California.

It was just how to build a credibility kit. And so I started to put together a credibility kit and gave it to my closest friends and tried to build a list up of people that I could send an email blast out if I needed money in the future. And so that's kind of how it started. What I did was I had a friend that was a money lender in the Raleigh area, and I bought eight notes from him. And I learned the process of that and the paperwork. And then I went to a gentleman's seminar in Atlanta. He's passed away now. His name is Dyke Spotterford.

He and went to his seminar about how to become a hard money lender, and he and his attorney taught that class. And then I started making loans. So the, the first year we made 16 loans. Second year we did 30. And then Covid hit and we still did 32 loans, but not as much. Then the next year jumped to 70 and then 103. And so you can see over seven or eight years, it's. This has been a rocket ship.

And basically we started with around $1 million of our own money to. But. But that can only fund about two loans, maybe three loans. You have to have a little reserve. And we started raising money from there, and now our funds up to $44 million in eight years. So.

Gotcha.

It's been an incredibly incredible ride. But I wish my. My initial goal, my initial story was, hey, let's just make a little bit of money for retirement. Just supplement our retirement money. It was not about starting a business and growing a business. And. And now we have, you know, a session plan. We have board of advisors, I have business coaches, and, you know, a team of six of us.

And, you know, we're, you know, really trying to go from good to great.

So it's possible where you hear people talk about becoming an accidental landlord, it's possible that you became an accidental lending company founder.

Yes. Yeah. So my world is. Is really turned upside down. I mean, we're, you know, even the, at least the irs, they think we're, we're making lots of money. So, I mean, we're paying more taxes than I used to make a year. And then now we're starting to give away to charities and companies that we love to support more money than we used to make a year. So it's really changed our world.

You know, when you have a fund that's $44 million, you only have to make just a Little bit of that money, you know, on a percentage basis to have a really nice income. So we've been very blessed. And it's taken off. It's beyond imagination of what I ever dreamt it would take. So, so.

And so that's been like you said, that's. So that's been you, you've started growing it over about eight years now. Is that how old Bel Air is or you launched eight years ago, is that correct?

Well, we, we launched under my general contractor's name, Ford Associates North Carolina, llc. And then it started growing. So baby said, you know, let's separate this. So we only do money lending in one company. And that's how. So we've been money lending for eight years. Bel Air might be around seven years old.

Okay, gotcha, gotcha. Tell us a little bit about the workings of Bel Air. Let's say that somebody, you know, maybe a client of ours who is thinking about doing their own private lending, say from their self directed ira, but then they also hear, well, maybe do I need some tutelage? Do I, you know, is it easier for me to still keep working my 9 to 5 and you know, invest with a company that specializes in this? If you can walk our listeners to really speak about the company itself and how it actually operates. What is a. What, what can someone expect, let's say 10,000 foot view, if you want, of Bel Air Lending?

Okay, so we right now we have over 300 individual investors and several of those investors are use a custodian American IRA. So we have personal money, business money, POA money, 401k, solo 401k money in these 300, over 300 clients. And so they invest that money with us, we pull our money with that and then we loan it out to borrowers. We, we have around 35 borrowers. So the three areas that we make loans to are small land developments, single family residential land, new build, new construction from ground up, residential homes. And the third is fix and flips, just same thing, residential. So we're in that single family residential arena. That's our comfort zone.

And so when a loan, for example, if a loan finishes. Well, let me back up just a second. We use an entity called a lending trust. And so we do not have one big fund. We have, right now we have 118 little funds and they're property specific. So an investor that invests our money through American ira, they can be a money lender, they can invest in a specific property. It's not in a giant property, but it's in A specific property. And so the two or three things that makes Bel Air unique.

And I think while we grow, many times we have a waiting list. We've, at one point we had a waiting list of almost $3 million. And we were waiting for, you know, properties to, to make, you know, to approve loans. But we never touched the money that is invested with our property. So we have a trust attorney that all the funds are directed to their wired or dropped off at his office. And we don't commingle that with our operating money. So we keep an arm's length with that money. And the second reason we're so successful is we pledge our net worth in between our borrower and our lender.

So if we have a property that doesn't go right, go south, then we take over that property, we pay our investors with our own money, full interest, and then we decide inside of Bel Air what to do with that property. Most of the time we put more money into it, we fix it up and we sell it. Sometimes we, we keep the property. So those are the two main reasons why we're so successful. We don't physically touch the money. We have a trust attorney that does that, and then we guarantee the returns of our investors by putting in our net worth. Now, it would be naive to think that out of 550 loans we've done over years that every single one would work out perfectly. Sometimes there's bumps in the road.

Life happens. It would just be naive to think they're all going to work out perfect. So we build that in the cake mix. We know it's going to happen, and we're really uniquely qualified to manage these properties and mitigate risk because I'm a licensed general contractor with an unlimited status in North Carolina, so I can do residential or commercial and an unlimited dollar status. So that's one of the things that gives us some advantage. I've actually built 65 homes over the years and I have over 50 rehabs under my belt and now 550 hard money loans. So we're, we've got, we, you learn a lot along the way and you have experience, makes it, you know, safer. So we're very excited about mitigating our risk.

So we've never had to dip into our net worth, even though we, we put it up in between for, for security. Any losses that we've had, we've just been able to absorb it in our income for that year. So we might have made a little less that year than, than another year. But in 128 million, that's. It's hard to believe, but we've done $128 million in loans. We've never passed a penny loss to any of our investors over the eight years. So we have a really awesome track record.

Fantastic, fantastic. You know, the one thing that I've always heard you talk about is the strength of your team. I believe we have a recent anniversary team member there. Tell us a little bit about your team and, and who, who works with you there.

Wow. So my wife and I are the, the founders. We have a, just a simple llc. You know, we're, you know, taxes s Corp and she owns 50% and I own 50%. I sometimes joke that she, I have 51, but it's really 50, 50. And so Jeannie takes care of all QuickBooks, paying the bills that need to be paid. Steve Lowry, our trust attorney, he handles all the payments in and out of the, the trust accounts. And then Sammy, who's on the call, has her fifth anniversary.

Wow. She's just been here with the biggest growth that we've had. So she, she takes care of. Well, she took care of a lot more but marketing, all the marketing that we do, all the social media, she vets all the borrower applications, make sure that they're, they're complete. She schedules, draws and does customer relations with all of our borrowers. And then we have Dawn, I call her Donnie, she's our paralegal, She's a full time paralegal just for us and she handles all the trust documents and she's our interface or our customer care person for all of our investors. So that's the person that would take care of all that, answer questions for that. We have another licensed general contractor, Jeff Hughes, who's also does site visits.

So he'll do site visits. And if we have a problem account, what's really neat and makes us really unique, if, if I have a problem with a, and I'm going to take over a loan, I simply text Jeff and say go buy this address and start writing down things that we need to do to, to complete this house and get it on the market. My colleagues that do what I do, they don't have that background, they don't have that team and construction knowledge. They have to hire another contractor and time is money so we, we can move fast and, and get things done. So we have a sort of a unique, unique ability. And that's why I feel like I'm uniquely qualified to, you know, do this on a high level and mitigate, mitigate you know, risk involved. We have Sandy, who is our customer care for all of our land developers. So about 52% of our fund, which would be over 22 million small land development.

So Cindy takes care of that. She has a background, professional background in, in money lending and hard money lending and also some other lending. So we have of course our attorneys and we have our CPA that does have taxes. So we have, you know, professionals to do all that and real estate agents where we need them.

Fantastic on the team front there. And you know, really when we put these programs together, folks, it's not just on a whim. We want to make sure that when you are taking time out of your busy part of your day, whether it's the morning, the evening or anytime in between, your time is important. And so we want to make sure that just as important is the information you're learning. If you are interested in doing business, whether it's going to be with your self directed IRA or what have you. And of course with American IRA doing that, as John's already said, they are used to working with our clientele. You know that with the deep knowledge, you know that when you are lending into Bel Air lending, that it's someone who actually gets it, who has worked in all of the different areas to see the successes of how that that lending is going to work. Right.

So let's look into, and delve into clients there. John, what tell us about, and of course no names or anything, but tell us about your clients. Who are your clients? Where do they come from? You know, what are they looking to do? Are they all seasoned? Are they, are they new at this? You know, do they run the gamut? Tell us a little bit about that.

Yeah, that's a, that's a great question. So, you know, currently we have over 300 investors with, with Bel Air Lending. And you know, we're a great place to park your money if you're a passive investor. You know, we, we have great returns. What I can't, what I can help you, cannot help you with is when a house sells. I just don't know exactly the date it's going to sell. So if you can park your money with us for a range of time. For example, we have 6 month loans, 9 month loans, 12 month loans and 18 month loans.

Ideally a 6 month loan should be somewhere between 4 and 8 months. Nobody knows when that's going to sell or if it's going to be a refinance to do that. So if you need your money back at a specific date I'm not a good place to park your money. But if, if you, if you're okay with leaving it, arrange a time. We're really great place to invest your money. We try to make it easy. We, we try to help you with forms if, if, if you have trouble with that because we deal with them all the time. Don is the one that helps mostly with that.

But we, we look at them and we're used to seeing them and it's no, no big deal for us. So we try to offer as much customer service as we can. So. Wow. Let's see. So many ways I could go with this question. In the range of dollars of the over 300, we have 12 that are, have invested a million or more with us. Probably 1.8 million is the top in that range.

We do have a minimum investment of. Well, when you're, it's $50,000. When you're referred by someone, we lower that by 10, you know, to 10,000. So we have some special programs for students if they want to start a Roth ira. We, we had some special bonus answers, you know, in for that. So we have investors from 25 states and also Ecuador. And you're probably wondering how did you find someone in Ecuador to invest? But so a gentleman that's local, his cousin lives in Ecuador and she had a Bank of America account. So it was easy to wire the money to our trust attorney from there.

While in the. As far as professions, we have a list on our website, but the most interesting one to me is, is a gentleman that's a, he's a Blackhawk helicopter pilot and he blows up stuff. And, and I call him a badass because he just, he, you know, he blows up stuff. It's incredible to think, but that's probably the most interesting. We have, you know, doctors and dentists and we have a former hedge fund manager, you know, that's invested with us, you know, started off really basically with friends and family. So my oldest investor is my mom, she's 97. And my youngest investor is about a 4, 3 or 4 year old in a CISA account, which is a Coverdell Education savings account, you know, through a dad who wanted his three kids to get started early. And so that would be the youngest.

We actually lower them out for kids or if you want to do something with your grandkids, where we, we love to help as, as much as we can for that. So when I first started publicizing myself as a money lender, I was a member of the local RIA here in Raleigh, which is called tria, which stands for Triangle Real Estate Investment Association. And I counted up at the end of the year, I went to 70 meetings, 70 meetings that year with a little flyer that says, hey, we, we made with a picture of a house and I've loaned, I made a loan to this borrower and if you want to, you could participate in $10,000 increments or more of this promissory note. And we, you know, pay 10% interest on that. And I manage it all. When it's over, you can get all your money back or you can reinvest it. And so that's really one of the, the way I got started is that consistent message. You know, people maybe didn't know me, but I, it's a long term plan and goal.

I started, I was invited to lead a subgroup for TRIA and then I was asked to be on the board of directors. I did that for a few years and I was asked to be president of the board of directors and I did that for a few years. So just invested in the community and taught a lot of classes and you know, got to know people. So my borrowers and also my investors were in the same room. And a lot of the investors were afraid to pull the trigger to buy a house, to make it a rental or to flip it. But they could be the bank, they could loan the money to me and I would invest and do all the hard work. And they were investing in real estate and it was easy, it was less risk. And I think everyone should become a money lender.

It's being the bank. I think of all the different. Real estate investing is one of the safest out there.

There are folks that will call me and they're, you know, they're, they're, they're conflicted on some things and they're, and they know they want to get started. Maybe they are a seasoned investor and it's in the real estate world and, or lots of times I've had folks that will call me and they'll tell me that they're doing a real estate deal and I'll listen to them for a little bit, ask them a couple of questions and then we'll find out. Well, it's not really a real, real estate deal at all that you're doing quite fr. You were jumping into you're going to be a private money lender. No, no, no, no, no. You're going to be doing private money lending. It may be towards a certain piece of real estate or you're going to loan this to someone who you know is going to be working on a piece of real estate or a developer or so and so. But yet you're going to be a private money lender.

And folks just keep this in mind as well when using your self directed ira. And even though that real estate is one of the top asset classes across the entire industry of this it is, it is unbelievable the number of people that have come to us thinking that they were going to start using their self directed retirement account for real estate and they didn't do that at all. And quite honestly they've become some of the best private money lenders there are and they love it. Just like John was saying. He's not just saying it because he runs the company that that's their specialty. You know, he talks about is it a little safer? That's going to. I'll let him answer that. I'll let you figure that.

Do you know, do you not want to be boots on the ground? Is it a good thing if you still have a 9 to 5 or any other type of job that really takes a lot of your time, your family, you know, how old are your kids? Does it, you know, are there a lot of outside things that take a lot of your time that might pull your attention for things that might be a little bit more consuming whether or whether or not you're using a self directed IRA and things of course have to stay a little hands off on that. But you know, private lending is something that the loan goes out and now you can do a lot of other things while those things are paying back in. Oh by the way, now it's arm's length and you're using a company like John's at Bel Air Lending and you have loaned your money out to them or you have sent your, invested your funds in with them and then they are doing the, the lending, investing from there. So possibly even more streamlined and curving out your days there that you can go on and enjoy life and all the twists and turns that you've got keeping up with your day to day and let your money work in other areas. So, so glad that John has this company to be able to help you. We want to make sure too that if this is something that you're looking to do and especially if you've got the self directed account that you want to do it with. Well, we're going to make sure that you see John's information up here in just a little bit. John, one thing I wanted to ask you about.

Is there any difference? One thing that I've learned as well there's a private money team and there's Bel Air. Can you tell us a little bit about the private money team and maybe what's the difference or how do they interface together?

Well, the private money team are just our individual investors, our 300 strong army. That would be the private money team. Bel Air is just the vehicle behind it that does all the work. And I love the example. I guess it's a meme, but it's a picture of a duck and it's a cross section through the water. And so at the top, he, he's smooth sailing, not a feather ripple, but under the knee, he's paddling with his little feet as fast as he can. So above the water, those are our investors. Below the water, that's Bel Air and our team.

So we're working hard so you don't have to work hard.

And I think that that's really it and that's why this partnership has always been so great. For those of you who have been clients of American Iraq, you know that you are able to bring or whether you're going to roll your funds, whether you're going to do a transfer, whether you're going to make your contributions year after year into your self directed retirement account. You know that you have a home at American IRA where then you are in control and you direct that and you're not at the mercy of whatever the stock market is doing. And then as you decide that you want to move these funds to a company like Bel Air, again, it is a very streamlined process and then you know that it's being cared for there. So a couple things about the two companies. Just you know, what I want to talk about. Again, if you are someone who has been questioning, is it now time for me to do a different investment? Is it time for me to start the investing process altogether? How do I want to do it? Is it something that I want to use the stock market? Is it something that I want more control over? And if so, is it now time for me to go ahead and get my account set up at American IRA again? Please visit our website. You'll also see my information on there where you can call us.

And we're Eastern Time and 9 to 5 and Monday through Friday. We want to make sure that we are available for you to answer all your questions. And it's not just on those phone calls. It's right here on the American IRA Cafe powered by American ira. Where you're going to get this and other information also where you're going to get to hear from wonderful guests like John himself to find out about all of the tools that are out there that you can pack all these away into your investment toolbox. Well, John, I tell you, before we sign off here, I want to thank you again. Any parting words that you would like to share with potential clients of yours. Any parting words you want to share about being able to work with American IRAs clients and the successes with that?

Well, I do want to commend American IRA for how well they communicate through the whole process. And they're one of our longest custodians. You know, we might have a dozen custodians and that's what I think of is, I'm not sure if that's the terminology that's proper, but I think as American ira, and so they're one of the easiest to work with and definitely on the top of the list as far as communicating and, you know, holding your hand and letting you know what's going on in, in the process. So you're in good hands with American ira and I highly recommend them. I would just like to, as something parting just to, you know, I think if you're in the stock market maybe primarily it's not really a bad idea to diversify into real estate and with, with money lending into private, you know, alternative investments like this, with Bel Air lending, what you're doing is you're diversing, buying in real estate and it's one of the safest arenas of real estate. So I would encourage everyone and, and you know, for everyone, we could lower our entry level to $10,000 for everyone that comes through with American Iraq. And yeah, get your feet wet, you know, choose a short term loan, see how you like it. Make sure you understand the process.

We're very available, you know, for, to answer all your questions and make it easy for you. So we like it, we want to hit that. You'd hit the easy button and we want to take care of you. And we think that we've solved a problem. And the problem is how can small to medium sized investors, you know, get real estate deals that pay 10 to 13% return in a safe environment? And so if you're a, what I call a whale or a big investor, you get investment opportunities brought to you all the time. But those of us that are smaller investors don't get that opportunity. And I think that we've solved that problem. We have a vehicle to do that and we've solved the problem with low risk and high returns.

So thanks so much for the opportunity to get to share what I have a passion to do.

And there's nothing better than to have something you love, know that you're good at it and then the real fun is turning that around, sharing it with others so that they can win as well. So John again, thank you so much and to your team Sammy who's there in the background again, happy five years to you. I know she can hear us on there. So folks, I tell you before we sign off here, I want to say thank you again for you joining us. Hope that you always find value in American IRA's productions here and who we bring on to give you some of the most sound education that you can learn from and then turn around and use it yourself. It's not always about the listening. Now it's time for you to put it into action. And if that action is wanting to go ahead and set up your new account with American IRA and give me a call, send me an email.

And that is at kylemericain ira. You are more than welcome to use that email and let me know that you heard me here and we will definitely make sure that you are taken care of. For all of us and our staff that I'm backed by here at American ira, we are getting ready to sign off and say thank you again and we look forward to seeing you on another episode of the Ira Cafe. Powered by by American Ira See you next time.

American Ira LLC, a North Carolina LLC, acts as a third party administrator for New Vision Trust Co. A state chartered South Dakota trust company. As a neutral, self directed IRA administrator, American IRA does not recommend or endorse any investments, individuals or entities, including financial representatives, promoters or companies. American IRA and the IRA CAP are not responsible for other statements, representations or agreements nor do we evaluate the quality or profitability of any investment. American IRA does not endorse. Guests on the IRA Cafe Podcast. Guest opinions are their own and do not necessarily reflect the views of American ira, its subsidiaries, associates or custodian. Participation in the podcast is voluntary and no compensation is provided.

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