New Year, New Financial Plan: How Real Estate Syndication Can Help Occupational and Physical Therapists have Financial Freedom in 2025

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Investing in real estate has long been regarded as one of the most lucrative ways to build wealth. However, many investors overlook the unique opportunity provided by a self-directed Individual Retirement Account (IRA). By using a self-directed IRA for real estate investing, you can unlock a powerful avenue for wealth growth while enjoying significant tax benefits. 

If you’re feeling uneasy about your financial future, you’re not alone. Between rising prices, market swings, and constant economic uncertainty, it’s easy to wonder if you’ll ever feel truly secure, especially when it comes to retirement. As an occupational therapist, you’ve spent years helping others regain stability in their lives, but what about your own? 

accounts) have drastic fluctuations, often wiping out years of gains overnight. This causes people’s ‘risk meters’ go into overdrive – keeping them in jobs they don’t like and scaring them away from continued investing. Understanding the complexities of the economy is tough. The best types of investments to focus on when the economy is unpredictable have two primary features. They are lower risk and income-producing. Often times, inexperienced investors view stock market investing as “low risk.” After all, if millions of other investors are doing this, it's usually sponsored by our employeers, so it has to be safe, right? The truth is, the stock market has inherent volatility which makes it one of the worse investment options during unpredictable times. Remember, volatility kills the power of compounding.

Real estate isn’t just about location, location, location—it’s about strategy, leverage, and real estate tax planning. Investing in multifamily properties, serves as a great way to generate wealth and that is more stable that other investment opportunities. From deductions on mortgage interest to the ability to defer capital gains, real estate investments provide layers of tax perks. The true brilliance of RE investment lies not in the predictable flow of real estate passive income, but in its multi-dimensional tax advantages. Multifamily investors don’t just benefit from what they earn in distributions, they benefit from what they save . The 1031 exchange is the stealthy magician of the real estate world. With a wave of its regulatory wand, it makes capital gains tax deferral—at least for the time being. Named after the Section 1031 of the Internal Revenue Code, this strategy allows investors to sell a property and reinvest the proceeds into a “like-kind” property , all while deferring the capital gains taxes they would otherwise owe. It’s a game of chess in the world of taxes, and for industrial and commercial real estate investors, it’s a checkmate move. The power of the 1031 exchange is that it enables continuous reinvestment without interruption. Normally, selling a property triggers a capital gains tax liability, reducing the cash you can reinvest. But with a 1031 exchange, you defer that tax, keeping more capital working for you. This creates a compounding effect—as you upgrade from one property to the next, your wealth can grow while the tax man is kept waiting at the door. However, the 1031 exchange isn’t a casual transaction—it requires precision and timing. Here’s the play-by-play: Sell the Property : First, you sell your existing property. Easy enough, right? But here’s where it gets interesting. Identify a Replacement : Within 45 days of selling, you must identify potential “like-kind” replacement properties. This doesn’t mean they have to be identical, but they must be similar enough in nature—so a single family home can be swapped for a multifamily property, but not for a luxury yacht. Complete the Purchase : You have 180 days to close the deal on your new property. Time is ticking, and if you miss this window, you’re back to square one, with capital gains taxes staring you down. This strategy is particularly valuable for commercial investors. Imagine an investor selling a 10 unit property then by using a 1031 exchange, they can reinvest the proceeds into a larger property without being burdened by capital gains taxes. The result? They continue scaling operations while keeping their wealth compounding, untaxed, and poised for future growth.

Life has a way of surprising us. The past weeks have reminded us how quickly life can change, bringing both unexpected challenges and new opportunities. In these moments, we discover the true value of preparedness, not just in our hearts and minds, but also in the foundation of our financial well-being. As we journey through life our needs and priorities evolve yet, one thing remains constant: the desire to have security and to protect the ones we love. At Moore Moore Capital, we understand the unique challenges and opportunities that life presents. We are here to help you navigate these changes with personalized financial strategies designed to protect what matters most. Whether you're just starting out, raising a family, or planning for retirement, we are ready to guide you toward a secure and meaningful future. Now, more than ever, it's time to take control of your financial future. Contact Moore Money Capital today and let’s shape a future where you and your loved ones are prepared for whatever life brings.

As healthcare professionals dedicated to improving lives, we often focus our energy on direct patient care. But what if I told you there's a way to expand your positive impact while simultaneously securing your financial future? Let's explore how combining self-directed IRAs with multifamily real estate syndication can create a powerful force for both personal and community growth. Most of us are familiar with traditional IRAs, but self-directed IRAs (SDIRAs) open up a world of investment possibilities beyond standard stocks and bonds. These accounts allow you to invest your retirement funds in alternative assets like real estate while maintaining the tax advantages of an IRA. For OTs, this means we can leverage our retirement savings to invest in tangible assets that serve our communities. Multifamily syndication through a self-directed IRA isn't just about generating returns – it's about creating lasting community impact. When we invest in apartment communities, we're not just buying buildings; we're investing in neighborhoods and the people who call them home. Consider how this aligns with our professional values: Community Impact: As OTs, we understand the profound impact that environment has on function and well-being. By investing in multifamily properties, we can help: Create safe, accessible housing communities Support property improvements that enhance residents' quality of life Foster stable neighborhoods that promote community engagement Provide quality housing at reasonable rates Financial Benefits Through SDIRAs Using a self-directed IRA for syndication investments offers several personal advantages: Tax-deferred growth on your investments Potential for higher returns compared to traditional retirement accounts Portfolio diversification beyond the stock market Protection from market volatility through real estate assets Compound growth potential in a tax-advantaged environment Our training as occupational therapists gives us a unique lens through which to view real estate investment. We inherently understand how context and environment impact the person. By investing through syndication, we can advocate for these principles on a larger scale including improvements that enhance accessibility and create community spaces that promote social interaction and well-being. With all our properties we look for ways to transform apartment complexes into communities. We do this by: Property renovations that improve living conditions Enhancement of common areas for social interaction Energy efficiency upgrades that benefit both residents and the environment Updated, accessible units for families and seniors Common areas that promote social interaction Safe spaces for children to play and learn Programs that build community connection As occupational therapists and healthcare providers, we're uniquely positioned to understand the intersection of person, environment, occupation and the impact of housing, community, and well-being. By investing through self-directed IRAs in multifamily syndication, we can extend our positive impact beyond our clinical practice while building financial security for our future. Think about the ripple effect: Every property improved, every community strengthened, and every family provided with quality housing contributes to the broader social determinants of health that we know are so crucial to our patients' success. Let's embrace this opportunity to align our investment strategies with our professional values. Through thoughtful investment in multifamily syndication, we can create winning solutions that benefit both our financial future and the communities we serve. Here's to making a difference, one investment at a time. For more information download our book Healing Hands, Wealthy Plans Or contact us directly MooreMoneyCapital.com .

As the calendar turns, we have an opportunity for reflection, growth, and transformation. As healthcare professionals we've dedicated our lives to healing others, but we’re not always great at healing our own financial narrative. I have been an occupational therapist for 35 years, so I understand the challenges of for-profit healthcare and climbing productivity expectations. Student loan debt, housing costs, and inflation make it hard to get ahead. In addition, every shift, every client, every moment of compassionate care comes with an often unacknowledged emotional cost that leaves us wondering how long we can sustain. I was totally burned out in the profession I loved and didn’t see a way out until I learned about multifamily syndication. I learned how I could turn my poorly performing retirement fund into a self-directed IRA (SDIRA), pool this money with a team of experienced investors, and purchase large apartment buildings that generate returns higher than I was getting with my 401(k). I also learned about the great tax benefits of owning a large commercial building. For me, it was a game changer. I finally saw a way to have passive income and fund my retirement while still making a meaningful difference as an OT. I started Moore Money Capital to help other healthcare providers learn about multifamily investing and to connect healthcare providers with others who are actively purchasing properties. If you have ever wondered about multifamily investing, or if you’re worried about your finances, I would be happy to speak with you about what I’ve learned. To request a zoom meeting link for our next information session, reach out at. MooreMoneyCapital@gmail.com Here’s to a year of balance, joy, and love. Michelle Moore, owner Moore Money Capital