Why I Liquidated My Roth IRA to Invest in BPG Commercial Real Estate Opportunities

Let me preface this by saying: I am not a financial advisor. This is just my personal story and what I believed would be best for my family's long-term financial future. Everyone’s journey with money is different. But I want to walk you through why I made the decision to liquidate my Roth IRA and reinvest that capital into the commercial real estate opportunities we’re building at BPG Holdings.

The Roth IRA: A Great Tool… But With Limits

My Roth IRA had $67,000 in it—money I had diligently contributed during my early twenties while working my first job out of college at Equinox as a personal trainer. This was where I got my start. This money had an “interesting road.” I was contributing 7-10% during my employment at Equinox and doing what was necessary to get Equinox’s match. After I left Equinox in 2017, I had to move that money. I moved that money to a wealth manager who worked for Edward Jones. Four months after making that transfer, the wealth manager got fired, so I decided to take it into my own hands and put it into a Charles Schwab Intelligent Portfolio where I was doing the traditional IRA contribution of $6,000-$7,500 per year. It was the "responsible" thing to do: put money into a tax-advantaged retirement account, let it grow over the decades, and withdraw it tax-free in my 60s.

Sounds great, right?

But as I evolved—personally, professionally, and financially—I realized that while the Roth IRA is a solid strategy for many, it just didn’t align with the way I wanted to build wealth.

I’m Not Building Average Wealth—I’m Building Generational Wealth

At BPG Holdings, we aren’t just investing in real estate. We’re creating long-term value by identifying strong commercial opportunities, adding strategic value, and generating income and appreciation—all backed by real assets. And most importantly, in this example, NOW income.

I believe in what we’re doing here. I believe in the deals. I believe in our process. And I believe in ownership.

So when I looked at that $67,000 sitting in a mutual fund—passively growing, restricted by age-based rules, and disconnected from my everyday life—I knew there was a better way to put that money to work. Taking a bet on myself.

From Mutual Funds to Real Assets

I asked myself a simple question:

Would I rather let that $67,000 sit in an account I can’t touch for 30+ years, or would I rather invest it into a real asset I understand, believe in, and can actively help grow?

The answer was crystal clear.

Yes, I will take a tax hit. Yes, I will pay the penalties. But even after that, I was left with capital I could control and reinvest immediately into one of our BPG Commercial Opportunity Fund projects—projects that are designed for cash flow, equity growth, and strategic tax advantages—benefits I wasn’t getting from a traditional retirement account.

This is About Alignment

Liquidating that Roth IRA wasn’t just a financial decision—it was a decision to align my money with my mindset.

At BPG, our mantra is Building Generational Wealth through real estate. That means investing in things we understand. It means putting our capital behind our convictions. It means leading by example—and that's exactly what I did: I invested my entire IRA alongside our LP (limited partner) investors.

I don’t just want to talk about investing. I want to live it. And I want to show our community of investors that we believe in our strategy enough to bet on it with our own money.

Final Thoughts

That $67,000 represented my early hustle—very early mornings on the metro at Equinox, counting and stacking every dollar I could. But today, that same $67,000 represents ownership, confidence, and a belief in the wealth we’re building.

If you’re out there sitting on capital that doesn’t align with your goals or your vision, maybe it’s time to ask better questions and explore more intentional opportunities.

Because wealth isn’t just saved—it’s strategically built.

Let’s build something that lasts.

Happy Investing,

Cassidy Burns

Founder and Managing Member

BPG Holdings

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