Bill Gulas

Owner & Operator


Bill Gulas brings a unique perspective as owner and operator of IRA Innovations, LLC. Based in Birmingham, AL; Bill at one time found himself in the same shoes as his clients. Previously in the telecommunications field, Bill left his company and wanted to roll his 401 (k) into an IRA to invest in real estate. He contacted a local CPA who knew of no administrator or custodian to assist him with this type of transaction. Not only did the CPA not know of anyone locally, he knew of no one in the state of Alabama who can help his client invest his IRA.

Bill contacted nationally known custodians and administrators, finally finding a company he felt comfortable with that would allow him to invest his IRA. Bill opened an account, did his investment and decided that if he could do this process repetitively perhaps he maybe able to help others who want to invest their retirement dollars in non-traditional investments.

Now in his 10th year as an IRA administrator, Bill is passionate about assisting clients who desire to accumulate wealth with their retirement dollars, investing in what they know and understand, and accumulate that wealth tax deferred or in the case of a ROTH IRA, tax-free.

A graduate of the University of Alabama with a masters degree in Marketing Research and a Bachelor’s in accounting, Bill took the opportunity to learn every facet of the how to do the record keeping and administration on behalf of those who desire to accelerate their retirement portfolio with a self-directed IRA.

A Birmingham native, Bill has two grown children, teaches Sunday school to teens at church, and volunteers at the firehouse shelter for the homeless.

Mike Todd


Mike has been with IRA Innovations since 2007 building relationships and teaching others about the merits of self-direction for their IRAs and their financial future.

Mike moved to Nashville after graduating from the University of Alabama in Huntsville with a degree in Electrical Engineering. He began his career working as a sales professional for a semi-conductor firm. At the same time, Mike co-founded an investment newsletter with a partner. His passion for all things financial led Mike to pursue a securities license, but he stopped short when he discovered the world of self-directing an IRA to acquire alternative investments.

Years later, Mike personally invests in mortgages, properties and private businesses with his self-directed IRA. His passion is evident with every presentation he delivers and he enjoys getting to know his clients and assisting them on their journey to financial freedom.

He has led financial seminars on getting out of debt and has provided one-on-one financial counseling to families through his church for over 10 years. He currently serves on the finance committee of his church.

Happily married with two children and two dogs, Mike’s enthusiasm about life and his passion for helping others build wealth has led him to be a sought after speaker and leader in the Nashville community and throughout the state of Tennessee.

Mike welcomes the opportunity to help you learn how to use your self-directed IRA to achieve the financial goals you deserve. Feel free to email Mike at [email protected] or call him at 615-794-8961.