Retirement Capital, Guaranteed Income

Invest through your IRA.

Every deal on our sheet can be purchased inside a self-directed IRA — so your 6%+ guaranteed yields compound tax-deferred in a Traditional IRA, or tax-free in a Roth. We work with GoldStar Trust Company, a leading self-directed IRA custodian whose approved asset list includes structured settlements and secondary market annuities by name. We’ll walk you through every form, personally.

Tax-Free

Or Tax-Deferred Growth

Inside a Roth IRA, guaranteed payments accumulate tax-free. In a Traditional, SEP, or SIMPLE IRA, they compound tax-deferred — the CD-replacement math gets even better.

Named

On the Approved List

GoldStar’s published asset list names Secondary Market Annuities and Structured Settlements as eligible self-directed IRA investments — this isn’t a workaround, it’s a recognized asset class.

$50

To Open · $150/Year

GoldStar’s establishment fee is $50 and annual maintenance is $150 (per their published schedule, Rev. 5/2023) — simple, flat, and small next to a guaranteed 6%+ yield.

The Process

Three steps from 401(k) to guaranteed income

Most clients complete the setup in a week or two — and we stay on the phone with you for every step of it.

Open your self-directed IRA

Choose Traditional, Roth, SEP, or SIMPLE and open the account with GoldStar Trust — online, in minutes. We’ll point you to the right forms and stay available while you complete them.

Fund it — rollover or transfer

Roll over a 401(k), 403(b), TSP, or pension, or transfer an existing IRA. Direct rollovers and trustee-to-trustee transfers are not taxable events, and uninvested cash at GoldStar sits in an FDIC-insured account until you deploy it.

Pick your deal — GoldStar buys it

Choose a stream from our live inventory and direct GoldStar to purchase it inside your IRA. The court-ordered payments then flow straight into your IRA on schedule.

Which Account?

Four account types, one guaranteed asset

ACCOUNT	TAX TREATMENT	BEST FOR
Traditional IRA	Tax-deductible contributions; tax-deferred growth; taxed at withdrawal	Rollovers from 401(k)s and pensions; investors in higher brackets today
Roth IRA	After-tax contributions; tax-free growth and qualified withdrawals; no RMDs	Locking in guaranteed yields entirely tax-free; legacy planning
SEP IRA	Employer-funded; high contribution limits; tax-deferred	Business owners and the self-employed putting large sums to work
SIMPLE IRA	Small-employer plan with matching; tax-deferred	Small-business owners and their employees

Account features per GoldStar Trust’s published materials. Contribution limits and tax treatment depend on your circumstances — confirm with your tax advisor.

The Numbers

GoldStar’s fees, in plain English

From GoldStar’s published fee schedule (Rev. 5/2023) for the asset class that includes structured settlements and secondary market annuities:

One-time establishment fee	$50
Annual maintenance fee	$150
Wire fee (when funding a purchase)	$50
Recurring ACH distributions to you	No fee

Perspective: on a $50,000 position earning 6.5%, the $150 annual fee is less than 5% of one year’s guaranteed income. Fees are set by GoldStar and subject to change per their schedule — we’ll review the current version with you before you open anything.

GoldStar Trust Company

A specialist custodian, est. Canyon, Texas

GoldStar is a self-directed IRA custodian serving alternative-asset investors nationwide. Uninvested cash in your account is held in an FDIC-insured deposit account (up to $250,000) and earns interest until you deploy it.

Investor Services: (800) 486-6888 (option 4)
Web: goldstartrust.com

GoldStar Trust Company is an independent directed custodian. It is not affiliated with MJ Settlements, does not sell or endorse any investment, and does not provide tax, legal, or investment advice. MJ Settlements does not provide tax advice — consult your advisor about your situation.

IRA Questions

What investors ask us

Is this really allowed in an IRA?+

Yes. Self-directed IRAs may hold alternative assets, and GoldStar’s published approved list names Secondary Market Annuities and Structured Settlements specifically. The IRA owns the payment rights; the court-ordered payments flow into the IRA.

Will a rollover trigger taxes?+

A direct rollover from a 401(k)/403(b)/TSP, or a trustee-to-trustee transfer from an existing IRA, is not a taxable event — the money moves custodian to custodian and never touches your hands. (Converting Traditional dollars to a Roth is taxable; that’s a strategy conversation for you and your tax advisor.)

Where do the payments go?+

Every payment from the carrier deposits into your GoldStar IRA, where it sits in an FDIC-insured, interest-bearing account until you reinvest it in another stream, another asset, or take a distribution under normal IRA rules.

What about RMDs?+

This is where dated streams shine: a schedule that begins paying in your RMD years generates the cash your required distributions need — no forced selling. Roth IRAs have no RMDs at all. We’ll help you match a stream’s dates to your timeline.

How long does the whole thing take?+

Opening the account takes minutes; rollovers and transfers typically take one to three weeks depending on your current custodian. Reserve your deal first and the paperwork runs in parallel — we coordinate the timing so your deal is funded the moment your account is.