Yrefy
May 13th, 2025 1:00 PM CT
Joe Sabol
Ramez Fakhoury
Special Offer: one year of IRA Club account fees for folks that invest with Yrefy.
Founded
In 2008
Members
Administered
1 Billion
in Assets
Full-Time
Dedicated Staff
White-Glove
Service
Here’s What You’ll Learn
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About Yrefy
Yrefy has been growing extremely rapidly over the last couple of years and is now around $250m in investor capital and growing. Yrefy is the only company that currently refinances sub-prime and delinquent private student loans ($45b+ market opportunity) which places them in the unique position to be able to choose the borrowers who are ready, willing and more importantly have the ability to pay us and our investors back. They then work with these borrowers, one at a time and buy their loans from the original lender, such as Wells Fargo, for approx. 35%-40% of full value and collect over time the full value of the loan. They do not buy loans in bulk, they settle them one at a time on behalf on the borrowers who reach out to them from our marketing efforts. Yrefy then works extensively with each borrower to create a custom-tailored solution that is not only affordable for the borrower, but in many instances significantly improves their financial situation resulting in a win for the borrower, our investors and society. Thus far they have a 98% collection rate from over 1400 borrowers that we have refinanced during the nearly 7 years that they have been in business.
Meet The Experts
Yrefy
Joe Sabol
Joseph Sabol is a VP of Investor Relations with Yrefy. He graduated from Loyola Marymount University with a BS in economics, followed by an MBA with an emphasis in Finance. He has nearly 30 years of financial services experience including institutional equity research sales as well as marketing hedge funds and multi manager fund of funds on a nationwide basis. Joe was employee number two in the fast growing Investor Relations Team and has helped Yrefy grow its investor base dramatically, where he tends to focus on the RIA, family office and institutional channels while also assisting with high net worth individuals. Joe has earned the Chartered Financial Analyst designation and is a member of the Phoenix and Los Angeles CFA societies.
Vice President of IRA Club
Ramez Fakhoury
As an entrepreneur with a rich background spanning over two decades, Ramez is deeply commited to education and inspiring individuals, empowering them to venture beyond conventional paths and diversify their investments through the power of self-direction.
IRA Club Benefits
FDIC Insured
IRA/401(k) cash is FDIC insured
Flat Fee Structure
Flat fees and straightforward pricing
Free IRA Reports
Free annual IRA tax reporting
(RMDs, 1099-R, 5498, 5500 forms)
Investor's Row
Explore alternative investment opportunities
Concierge Service
Friendly, white-glove service
Educational Resources
Up-to-date educational resources on IRS regulations
Frequently Asked Questions
Here are the most common Self-Directed IRA questions. Have others?
Sign up for our webinar and ask us in person!
IRA Club provides a way for people like you to fully utilize the benefits of Self-Directed IRAs, leading to a wider range of investments and potential for better returns.
It’s an IRA that gives you more choices for where you want to invest your money, not just in regular stocks or bonds.
Self-Directed IRAs were passed by Congress back in 1974. Alternative IRA investments have always been allowed by the IRS, however, many IRA companies have placed artificial restrictions on IRA owners over the years. Self-Directed IRAs are not well known because most banks and brokerage firms prefer traditional investments.
It’s easy to make investments with a Self-Directed IRA. Once you find your investment and provide money to the seller, you will receive proof that your Self-Directed IRA is the new owner. It can be in the form of a Bill of Sale, title, deed, or simply a statement identifying your Self-Directed IRA as the asset’s new owner. The main difference is that the name on the title (or other documents) is the name of your Self-Directed IRA and not your name as an individual.
Maximum Contributions for 2025:
Under age 50 – $7,000.
Age 50 and over – $8,000
