Wealth Office Hours With Mat Sorensen

Mat Sorensen
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Wealth Office Hours, hosted by Mat Sorensen, is the go-to resource for investors, entrepreneurs, and individuals who are wanting to build their wealth. Mat covers a new topic every week ranging from investment strategies, reducing taxes, asset protection, retirement planning, and more.  Mat Sorensen is the Founder and CEO of Directed IRA & Directed Trust Company, an INC 500 company with over $3.5B in assets and 1,134% growth in the last three years. He leads one of the fastest-growing custodians for self-directed IRAs, helping investors deploy retirement dollars into real estate, private funds, and alternative assets. Mat is the author of The Self-Directed IRA Handbook, the industry’s most widely used guide with over 50,000 copies sold. He also holds advisory roles with KKOS Lawyers and Main Street Business Services and co-hosts two top-ranked podcasts for investors and entrepreneurs.

  1. Oct 3 ·  Video

    Tax Attorney Answers Roth IRA vs Roth 401(k) Questions

    Take greater control of your retirement funds by using a self-directed Roth IRA to invest in alternative assets outside of Wall Street. Download my free guide on how to begin self-directing an IRA to learn how to get started, understand the process, and explore your investment options! https://directedira.com/beginners-guide/ If you haven't watched my original video on "Roth IRA vs Roth 401(k) — 5 Differences That Cost People Money" you can watch it here! -------------------------------------------------------------------------------------------------------------------- It’s been a little while since our last episode of Wealth Office Hours Live, and I’m excited to be back with a special episode! After receiving so many questions on my recent video about Roth IRA vs. Roth 401(k), I thought what better way to address them than to go live and answer your questions directly. Join me for a live Q&A where I'll be answering your questions about Roth IRAs and Roth 401(k)s. Whether you're curious about the differences between the two, have questions about your specific situation, or want clarification on something covered in my recent video, this is your chance to get answers. -------------------------------------------------------------------------------------------------------------------- Mat Sorensen is the Founder and CEO of Directed IRA & Directed Trust Company, an INC 500 company with over $3.5B in assets and 1,134% growth in the last three years. He leads one of the fastest-growing custodians for self-directed IRAs, helping investors deploy retirement dollars into real estate, private funds, and alternative assets. Mat is the author of The Self-Directed IRA Handbook, the industry’s most widely used guide with over 50,000 copies sold. He also holds advisory roles with KKOS Lawyers and Main Street Business Services and co-hosts two top-ranked podcasts for investors and entrepreneurs. Websites: https://directedira.com/appointment https://kkoslawyers.com https://mainstreetbusiness.com https://matsorensen.com Disclaimer: This podcast is for educational purposes only and does not constitute financial, tax, or legal advice. Consult with a qualified professional before making any investment decisions. Sign up for my newsletter to stay up to date on new content, events, current news, & more!: https://matsorensen.com/ To get a comprehensive tax and legal plan get to my law firm KKOS Lawyers: https://kkoslawyers.com/ Don’t let your IRA stay stuck in Wall Street! Book a call with Directed IRA and start investing in assets you actually understand & believe in: https://directedira.com/appointment

  2. Sep 1 ·  Video

    Mega Backdoor Roth: The Complete Guide for High Earners

    Download My Slide Deck Here!: https://matsorensen.com/resources/ In the season finale of my Roth IRA Mastery Course, I’m breaking down one of the most powerful advanced Roth strategies available to high-income earners: the Mega Backdoor Roth 401(k). If you’re already maxing out your 401(k) and looking for ways to put significantly more money into Roth accounts, the Mega Backdoor Roth could allow you to move up to $72,000 per year into Roth under the 2026 limits. I’ll show you how the strategy works, where the after-tax contribution fits in, and the important requirements you need to understand before implementing it. In this episode, I’ll cover: -How the Mega Backdoor Roth works inside a 401(k) -How you can potentially reach $72,000 in Roth dollars in 2026 -The difference between Roth, Traditional, and after-tax contributions -How the strategy works with a corporate 401(k) -How self-employed individuals can use a Solo 401(k) -The two ways to convert after-tax contributions into Roth -The key plan requirements you need to have in place -Common mistakes, including confusing after-tax contributions with Roth deferrals -Who this strategy is best suited for, including high-income W-2 earners and self-employed business owners without employees -I’ll also show you how the Mega Backdoor Roth can be stacked with a separate Backdoor Roth IRA, potentially allowing you to get $79,500 of Roth money in a single year under the 2026 limits. This is an advanced strategy, but understanding the rules can open up a significant opportunity for building long-term, tax-free wealth. I’ll walk through the numbers, the process, and the potential pitfalls so you can better understand whether this strategy makes sense for you. Sign up for my newsletter to stay up to date on new content, events, current news, & more!: https://matsorensen.com/ To get a comprehensive tax and legal plan get to my law firm KKOS Lawyers: https://kkoslawyers.com/ Don’t let your IRA stay stuck in Wall Street! Book a call with Directed IRA and start investing in assets you actually understand & believe in: https://directedira.com/appointment

  3. Aug 15 ·  Video

    Backdoor Roth IRA - How To Execute This Strategy (Step-by-Step)

    Download My Slide Deck Here!: https://matsorensen.com/resources/ Need help executing the Roth Conversion Strategy? Book a FREE call with my team at Directed IRA where they walk you through every step of the way!: https://directedira.com/appointment/?utm_source=YT&utm_medium=social&utm_campaign=woh_backdoor_roth In Part 4 of my Roth IRA Mastery Course on Wealth Office Hours Live, I’m breaking down the Backdoor Roth IRA—an advanced Roth strategy designed for high-income earners who are over the income limits for direct Roth IRA contributions. I’ll explain why the Backdoor Roth exists, how the strategy works, and how to execute it correctly while avoiding the tax and reporting mistakes that can trip investors up. In this episode, I’ll cover: -2026 Roth IRA income limits and why high-income earners may be blocked from making direct Roth contributions. -How the Backdoor Roth works as a two-step strategy: making a non-deductible Traditional IRA contribution and then converting those dollars to a Roth IRA. -The rules behind the strategy, including the $7,500 annual contribution limit ($8,600 if you’re 50+) and why the strategy can be repeated every year. -The three-step process for executing a Backdoor Roth, including funding the Traditional IRA, completing the Roth conversion, and properly filing IRS Form 8606. -The Pro-Rata Rule, including how existing Traditional IRA balances can cause part of your conversion to become taxable. -Chunking a larger IRA conversion over multiple years as a potential strategy for clearing out pre-tax IRA balances and making future Backdoor Roth contributions fully non-deductible. -Six common mistakes to avoid, including taking a deduction on the contribution, ignoring existing IRA balances, skipping Form 8606, investing before converting, misunderstanding the deadlines, and using a recharacterization instead of a Roth conversion. -Who the Backdoor Roth is best suited for, particularly high-income earners who are over the Roth income limits, have no pre-tax Traditional IRA money creating a Pro-Rata issue, and have cash available to contribute. The Backdoor Roth can be a powerful annual strategy for building tax-free retirement wealth, but the details matter. I’ll walk through the rules, numbers, and potential pitfalls so you understand how to approach the strategy properly. Sign up for my newsletter to stay up to date on new content, events, current news, & more!: https://matsorensen.com/ To get a comprehensive tax and legal plan get to my law firm KKOS Lawyers: https://kkoslawyers.com/ Don’t let your IRA stay stuck in Wall Street! Book a call with Directed IRA and start investing in assets you actually understand & believe in: https://directedira.com/appointment

  4. Aug 5 ·  Video

    Roth Conversions - Advanced Roth Strategies

    Need help executing the Roth Conversion Strategy? Book a FREE call with my team at Directed IRA where they walk you through every step of the way!: https://directedira.com/appointment/?utm_source=YT&utm_medium=social&utm_campaign=woh_roth_conversion A Roth conversion can be one of the most powerful tax planning strategies available but it's important to understand when it makes sense and how to do it correctly. In Episode 3 of the Roth Mastery Course, I'll walk through how Roth conversions work, why they can be a valuable tool for building tax-free wealth, and the strategies I use to help investors think through the conversion process. In this live session, I'll cover: -Why converting to a Roth can provide tax-free growth for life. -The key benefits of Roth conversions, including eliminating Required Minimum Distributions (RMDs) and creating tax-free wealth for your heirs. -How Roth conversions work and what to expect from a tax perspective. -How to identify the best time to convert using lower-income years, market downturns, and multi-year conversion strategies. -How the Roth Conversion Election Form works, including cash and in-kind conversions. -The differences between converting a Traditional IRA and converting inside a 401(k). -Situations where a Roth conversion may not be the right strategy. -Real-world examples that show when a Roth conversion can produce better long-term after-tax results. -A case study comparing the outcomes of converting versus leaving assets in a Traditional IRA. Join me live, bring your questions, and let's dive into one of the most impactful retirement planning strategies available. Sign up for my newsletter to stay up to date on new content, events, current news, & more!: https://matsorensen.com/ To get a comprehensive tax and legal plan get to my law firm KKOS Lawyers: https://kkoslawyers.com/ Don’t let your IRA stay stuck in Wall Street! Book a call with Directed IRA and start investing in assets you actually understand & believe in: https://directedira.com/appointment

  5. Jul 31 ·  Video

    BREAKING - Lawmakers Target Large IRA and 401(k) Owners

    Looking to take more control of your retirement investments? Directed IRA helps investors diversify beyond traditional stocks and mutual funds by investing retirement funds into alternative assets like real estate, private funds, private lending, startups, crypto, and more. Schedule a free call to get started: https://directedira.com/appointment/ We've also published a detailed breakdown of the proposed legislation and what it could mean for self-directed IRA investors: https://directedira.com/new-legislation-targeting-self-directed-iras/ ---------------------------------------------------------------------------------------------- A new proposal out of Washington, D.C. could have major implications for retirement savers. Lawmakers are once again looking at changes to retirement accounts, raising important questions about how much wealth investors should be allowed to build inside tax-advantaged accounts. Join me as I break down the proposed legislation, explain who it could affect, and discuss what it means for the future of retirement planning. I'll cover the facts behind the proposal, why it's being introduced, and what investors should know as they continue building long-term wealth. During this live discussion, you'll learn: -What the proposed retirement legislation includes. -Who could be affected by the new rules. -Why lawmakers are targeting large retirement accounts. -How these changes could impact long-term retirement planning. -What investors should be watching as the proposal moves through Congress. Whether you're investing through an IRA, Roth IRA, 401(k), or other retirement account, this is a conversation you won't want to miss. Sign up for my newsletter to stay up to date on new content, events, current news, & more!: https://matsorensen.com/ To get a comprehensive tax and legal plan get to my law firm KKOS Lawyers: https://kkoslawyers.com/ Don’t let your IRA stay stuck in Wall Street! Book a call with Directed IRA and start investing in assets you actually understand & believe in: https://directedira.com/appointment

  6. Jul 23 ·  Video

    Roth IRA vs Roth 401(K)...Where Should You Put Your Money?

    Download my slide deck here!: https://matsorensen.com/resources/ Looking to take control of your retirement and want to use your IRA or 401K dollars to invest in alternative assets? Book a call with my team at Directed IRA to get started: https://directedira.com/appointment/?utm_source=live&utm_medium=youtube&utm_campaign=wohl_rothira_roth401k In Part 2 of the Roth IRA Mastery Course, I break down the key differences between a Roth IRA and a Roth 401(k) so you can decide where to put your money for maximum long-term, tax-free wealth. We cover contribution limits, the core tax rules that make Roth accounts the most powerful retirement vehicle available, and the critical differences in withdrawal flexibility between the two accounts. We also walk through income limits on Roth IRA contributions, the backdoor Roth IRA strategy for high earners, and how to use both a Roth 401(k) and a Roth IRA at the same time to maximize every tax-free dollar you can legally protect. One of the most underutilized strategies we cover is self-directing your Roth account — instead of being limited to stocks, bonds, and mutual funds, you can invest your Roth dollars into real estate, private companies, private equity, and crypto. An IRA can invest in these alternative assets as long as it is held at a custodian like Directed IRA. Sign up for my newsletter to stay up to date on new content, events, current news, & more!: https://matsorensen.com/ To get a comprehensive tax and legal plan get to my law firm KKOS Lawyers: https://kkoslawyers.com/ Don’t let your IRA stay stuck in Wall Street! Book a call with Directed IRA and start investing in assets you actually understand & believe in: https://directedira.com/appointment

  7. Jul 4 ·  Video

    BREAKING: Trump Accounts Now Live - FREE MONEY, Tax Benefits, and Key Rules & Steps

    Download my Ideal Order of Investing Guide to see where the Trump Account should fall into your wealth building journey!: https://matsorensen.com/building-wealth-guide-the-ideal-order-of-investing/?utm_source=youtube&utm_medium=description-link&utm_campaign=youtube-WOHL&utm_content=ms020-trump-account-now-live To Open a Trump Account: https://trumpaccounts.gov/ 🇺🇸 In this special Fourth of July episode of Wealth Office Hours Live, I'm breaking down one of the biggest new tax-advantaged savings opportunities for families: Trump Accounts. These new Trump accounts went live today, and I'm going to walk you through everything you need to know—from who qualifies and how to open an account to contribution rules, the government's $1,000 contribution for eligible children, investment options, and the Roth conversion strategy I believe can maximize tax-free wealth for the next generation. If you're a parent, grandparent, or simply want to help give the next generation a financial head start, this episode will show you how these new accounts work and how you can use them as part of a long-term wealth-building strategy. Happy Fourth of July, and thanks for joining me for this special edition of Wealth Office Hours Live! Sign up for my newsletter to stay up to date on new content, events, current news, & more!: https://matsorensen.com/ To get a comprehensive tax and legal plan get to my law firm KKOS Lawyers: https://kkoslawyers.com/ Don’t let your IRA stay stuck in Wall Street! Book a call with Directed IRA and start investing in assets you actually understand & believe in: https://directedira.com/appointment

  8. Jun 30 ·  Video

    The Roth IRA: Everything You Need To Know

    To open a Self-Directed Roth IRA, book a call with our team at Directed IRA where they can walk you through the entire process!: https://directedira.com/appointment/ Join us for Episode 1 of our new Roth IRA Mastery Course on Wealth Office Hours Live, where we break down why a Roth IRA is one of the most powerful wealth-building tools available. In this live session, we'll cover the benefits of tax-free growth, how small contributions can grow into significant wealth over time, common Roth IRA myths and misconceptions, Roth vs. Traditional IRA differences, contribution and income eligibility rules, funding options, investment opportunities inside a Roth IRA, and the key advantages that make Roth accounts so valuable for long-term investors. We'll also be taking your questions live throughout the show, so come ready to learn and get your Roth IRA questions answered. Want me to answer your questions live? Ask me your questions here: https://matsorensen.com/ask-mat/ Sign up for my newsletter to stay up to date on new content, events, current news, & more!: https://matsorensen.com/ To get a comprehensive tax and legal plan get to my law firm KKOS Lawyers: https://kkoslawyers.com/ Don’t let your IRA stay stuck in Wall Street! Book a call with Directed IRA and start investing in assets you actually understand & believe in: https://directedira.com/appointment

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Wealth Office Hours, hosted by Mat Sorensen, is the go-to resource for investors, entrepreneurs, and individuals who are wanting to build their wealth. Mat covers a new topic every week ranging from investment strategies, reducing taxes, asset protection, retirement planning, and more.  Mat Sorensen is the Founder and CEO of Directed IRA & Directed Trust Company, an INC 500 company with over $3.5B in assets and 1,134% growth in the last three years. He leads one of the fastest-growing custodians for self-directed IRAs, helping investors deploy retirement dollars into real estate, private funds, and alternative assets. Mat is the author of The Self-Directed IRA Handbook, the industry’s most widely used guide with over 50,000 copies sold. He also holds advisory roles with KKOS Lawyers and Main Street Business Services and co-hosts two top-ranked podcasts for investors and entrepreneurs.

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