Client Success Story – Finding High-Yield Investments

STEVE LANDAAL

This month we’re featuring our client, Steve Landaal, VP of Portfolio Management. Steve was born and raised in Wisconsin and describes himself as a huge Packers Fan. He resides in Orlando with his bride Darla of 33 years.

Steve shared with us, after losing money in the stock market and, out of desperation, he decided to seek out a better and safer way to grow his retirement savings which was when he learned about self-directed IRAs and the opportunity to find high-yield investments.

Steve met with Austin Holloway, NuView’s Business Development Manager over coffee. After meeting Steve and Austin realized they shared many of the same values personally and with business. Steve said Austin elevated his game with Self Directed IRA’s and at that point he and his wife decided to place some capital in a NuView Self-Direct IRA.

Steve and Darla have been disciplined savers over the years; after time Steve said “In essence we have been placing capital with a commissioned investor who best convinced us he could predict the stock market better than the next advisor”. It was that revelation when Steve and Darla became a prudent investor and a better steward of their savings by taking their investments into their own hands with a Self-Directed IRA.

Today, Steve says “we have a focused portfolio on predictable returns secured with collateral, knowing we will make money, instead of hoping the stock market goes up and banking on it won’t crash again”. This strategy not only has proven success for him, but Steve also shared with us “how can we begin to put a value on the peace of mind we now have, not worrying about issues, markets, and situations that used to be out of our control.”

Tell us about your first self-directed investment?

We recently have placed some capital in a SD IRA through NuView and our first investment is now complete. We chose to place this SD IRA capital with a local Capital Funding and invested in a development project located near Disney which yielded us a monthly return of 2.11 %, which annualized is slightly over a 25% return. We are now redeploying this same capital along with the earnings in a diversification of passive investments with a New Home Construction strategy along with these same investing partners.

What is your preferred method of investment?

Our favorite investment is Whole Note investing with a trusted Capital Funding company. I believe in diversification and certainly do not have all our investments in Whole Notes. But what we do have is capital we are not willing to risk, this we place in whole notes. Our reason for this is, it gives my wife and I a predictable 8% annual return.

For example, if we put $75,000.00 in a Whole Note, this puts me in first position on public record and allows my wife and I to be in complete control. My security is the property with an After-Repair Value not to exceed 65%.  The borrower also has to have 20% down. If the borrower defaults, we are still comfortable and feel adequately protected.  This $75,000.00 also gives us a predictable monthly payment which we find unique and appreciate. It is a very simple investment to understand, we take our $75,000.00 x 8% = $6,000.000 in interest to us. $6,000.00 Divided by 12 months = our predictable $500.00 a month payment into our NuView Account.

What were your retirement goals prior to self-directing your investments? Will you still be retiring at the age you intended or has it changed?

My Goal was to be retired by age 50. I am happy to say that goal was realized four years ago. My wife and I started saving and investing in Real Estate rental properties at age 18. When we reached age 50, the challenge we faced was how we could turn this capital into a monthly income with a fair interest rate and at the same time remain in an ultra-safe environment that will mitigate our risk. As I mentioned earlier Whole Notes helped us satisfy this area of concern in our portfolio.

Do you have any tips for fellow self-directors?

I like to position our portfolio in a 40/ 40 /20 strategy.  Meaning that the first 40% is predictable monthly passive income, this protects us, the bills are paid and our retirement is growing continuously.  Whole Notes and a commercial rental property we use to accomplish this first 40%. The second 40% we put in predictable real estate investments. In other words, we know for a fact we bought a property low and this investment is worth more that very same day. This keeps us a prudent investor and not a speculator hoping the value goes up.  The remaining 20% we like to go for the higher returns, but always require a strong equity position going in. An example of our most resent 20% investment I mentioned above that yielded an approximate annualized 25% return.

What was your most successful investment made within your Self-Directed Account?

My most successful deal was not the one that produced the one-time highest return. The most successful deals are the whole notes that pay every month predictably and freed us up financially. This security allows my wife and I to go after the high yielding investments to help Orphan Children in the Ukraine falling victim to human trafficking and fulfill our bigger purposes in this world.

What has been your favorite part about working with NuView?

I have always said, no matter what business we do, we are all in the people business. If people don’t like you or trust you, it doesn’t matter how good your product or service is. We chose NuView because of the people this company is made of.  My wife Darla and I are honored to work with this team.

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