If you own investment assets in your own personal name, then you have full exposure to creditor and taxation on the equity and earnings from those assets.

The PRIVATE RETIREMENT SIMPLE℠ Plan simply recharacterizes passive investment assets that were previously non-exempt, to exempt for retirement. Examples of investments that may be appropriate for this recharacterization include:

  • Equity securities such as Stocks, mutual funds, and other equity securities
  • Debt securities such as a government bond, corporate bond, certificate of deposit (CD), municipal bond or preferred stock
  • Mutual Funds, Portfolio brokerage accounts
  • Private Equity investments
  • Any financial instrument that can be construed as legitimate for future retirement needs

If you are building any of these investments for your retirement, then you can potentially fund them to your Private Retirement Plan and claim your private retirement exemption right.



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