{"id":963,"date":"2018-07-27T13:23:13","date_gmt":"2018-07-27T20:23:13","guid":{"rendered":"https:\/\/udirectira.com\/?p=963"},"modified":"2021-11-05T16:07:25","modified_gmt":"2021-11-05T16:07:25","slug":"how-to-determine-if-you-are-an-accredited-investor","status":"publish","type":"post","link":"https:\/\/udirectira.com\/how-to-determine-if-you-are-an-accredited-investor\/","title":{"rendered":"How To Determine If You Are an Accredited Investor"},"content":{"rendered":"<div id=\"attachment_672\" style=\"width: 208px\" class=\"wp-caption alignright\"><a href=\"https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7.jpg\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-672\" class=\"wp-image-672 size-medium lazyload\" data-src=\"https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7-198x300.jpg\" alt=\"self directed ira\" width=\"198\" height=\"300\" data-srcset=\"https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7-198x300.jpg 198w, https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7-675x1024.jpg 675w, https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7-768x1165.jpg 768w, https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7-1012x1536.jpg 1012w, https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7-1350x2048.jpg 1350w, https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7-600x910.jpg 600w, https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7-scaled.jpg 1687w\" data-sizes=\"auto, (max-width: 198px) 100vw, 198px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 198px; --smush-placeholder-aspect-ratio: 198\/300;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-672\" class=\"wp-image-672 size-medium\" src=\"https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7-198x300.jpg\" alt=\"self directed ira\" width=\"198\" height=\"300\" srcset=\"https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7-198x300.jpg 198w, https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7-675x1024.jpg 675w, https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7-768x1165.jpg 768w, https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7-1012x1536.jpg 1012w, https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7-1350x2048.jpg 1350w, https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7-600x910.jpg 600w, https:\/\/udirectira.com\/wp-content\/uploads\/2016\/12\/Kathy_Fettke_HS_7-scaled.jpg 1687w\" sizes=\"auto, (max-width: 198px) 100vw, 198px\" \/><\/noscript><\/a><p id=\"caption-attachment-672\" class=\"wp-caption-text\">by Guest Contributor Kathy Fettke<\/p><\/div>\n<h2><strong>How do you become accredited?<\/strong><\/h2>\n<p>Today\u2019s crowdfunding platforms offer many new opportunities that investors may not have discovered in the past. However only accredited investors can participate, and you must reach certain accredited investor criteria to have that title.<\/p>\n<p>There is no formal certification issued from an agency or institution that confirms you are accredited. In fact, private placements have allowed investors to \u201cself- accredit\u201d by answering a questionnaire and then checking the \u201cI am an accredited investor\u201d box on the subscription agreement. No back back up documentation or proof was required.<\/p>\n<p>A private placement is a way for small companies and private funds to skip the expensive and exhaustive process of registering securities if they raise capital from accredited investors \u201cwith whom they already have an pre-existing relationship.\u201d\u00a0 A small number of non-accredited investors are also allowed in these private placements &#8211; which are usually filed as \u201cexempt\u201d with the Securities Exchange Commission through a Regulation D Rule 506 (b) offering.<\/p>\n<p>That all changed during the Great Recession in an attempt to jumpstart an ailing economy. The Obama Administration passed the JOBS Act of 2012, which for the first time in history allowed small companies and funds to solicit capital from the general public.<\/p>\n<p>That\u2019s when crowdfunding was born. Savvy internet marketers popped up out of nowhere, advertising various investments.<\/p>\n<p>The main difference between a private placement and a crowdfunded investment is that you must now prove you are an accredited investor and meet the accredited investor criteria in order to participate in an offering that has been advertised to the public.<\/p>\n<p>Rule 501 of Regulation D of the Securities Act of 1933 allows investors to use two different criteria for determine if they are accredited. The investor only needs to comply to one of the following methods, according to the S.E.C. and meet the accredited investor criteria:<\/p>\n<ol>\n<li>\u201cA natural person with income exceeding $200,000 in each of the two most recent years, or joint income with a spouse exceeding $300,000 and a reasonable expectation of the same income level in the current year.\u201d<\/li>\n<\/ol>\n<p>OR<\/p>\n<ol start=\"2\">\n<li>\u201cA natural person who has individual net worth or joint net worth with the person\u2019s spouse that exceeds $1 million at the time of the purchase, excluding the value of the primary residence of such person.\u201d<\/li>\n<\/ol>\n<p>Using your income as proof that you are accredited is easy &#8211; you simply provide a W-2 or tax return to the issuer of the investment in order to verify how much you\u2019ve earned for the past two years.<\/p>\n<p>Proving your net worth can be a bit more complicated. It requires a balance sheet, subtracting liabilities against assets. For example, a bank statement showing one million dollars in cash is not enough evidence to prove that you have a million dollar net worth.<\/p>\n<p>Instead, you need to provide a balance sheet detailing all assets (cash, bank accounts, 401Ks, IRA\u2019s, other investments, and cars) and then deduct all liabilities (student loans, car loans, and equity lines of credit).<\/p>\n<p>You cannot include your home equity as an asset, but you also don\u2019t have to include your mortgage as a liability &#8211; unless you took out a home equity line of credit or did a cash out refinance within the past 2 months. In that case, you\u2019d have to calculate the additional debt as a liability. Additionally, if your mortgage is higher than your home\u2019s value. you would need to include the amount that the loan is \u201cupside down\u201d as a liability.<\/p>\n<h2>How to Boost Your NetWorth<\/h2>\n<p>If you own a business, talk to your CPA about using the value of that company as an asset. This could significantly increase your net worth.<\/p>\n<p>If you have a lot of home equity, you may want to consider refinancing your home and taking some \u201ccash out.\u201d. As long as you wait 2 months. you can then count the cash you took out of your home as an asset.<\/p>\n<p>This can be a solid investment strategy anyway, given today\u2019s low interest rates. For example, if you took cash out of your home with 30 year fixed rate debt at 4% and then reinvested those funds into a note earning 8%, you would then be earning 4% on funds that otherwise would have been sitting as \u201cdead equity.\u201d The note you invest in should be secured to property, ideally at a low LTV, offering low risk to you as the noteholder. Be sure you understand the ins and outs of private lending before doing so!<\/p>\n<p>There are a few more reasons I prefer having debt on your primary residence.<\/p>\n<ol>\n<li>Mortgages on primary residences tend to be the lowest cost debt you can get<\/li>\n<li>If you are highly leveraged, the bank will help you negotiate with your insurance company in the case of a natural disaster, as they have more at stake than you do<\/li>\n<li>Being leveraged offers a bit of asset protection as it is easy to search your home\u2019s value vs how much you owe on it.This is one of the first things an attorney researches before considering a lawsuit against you.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How do you become accredited? Today\u2019s crowdfunding platforms offer many new opportunities that investors may not have discovered in the past. However only accredited investors can participate, and you must reach certain accredited investor criteria to have that title. There is no formal certification issued from an agency or institution that confirms you are accredited.&hellip;<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-963","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Determine If You Are an Accredited Investor<\/title>\n<meta name=\"description\" content=\"Accreditation investor criteria needs to be met for a company or individual to be considered an accredited investor. Learn more about the requirements today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/udirectira.com\/how-to-determine-if-you-are-an-accredited-investor\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How To Determine If You Are an Accredited Investor\" \/>\n<meta property=\"og:description\" content=\"Accreditation investor criteria needs to be met for a company or individual to be considered an accredited investor. 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