Let AI Pick Your Perfect Self-Directed Solution!

We administer. You invest.

The smart way to invest your IRA or 401(k) in alternative assets.

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As seen in:

Self-Directed IRA
With a custodian-controlled IRA, you tell us the investments you want to make, and we’ll do all the work. Invest in traditional and alternative assets, like real estate.


Portfolio Diversification
Funding Flexibility
Access to Alternative Investments
Cost Saving with One Flat Fee
Investment Control
Tax Free/Tax Deferred Gains
Self-Directed IRA LLC

By utilizing the IRA LLC structure, you have total “checkbook control” to make investments when you want, without custodial consent.


Flexibility - Gain Checkbook Control of Your Funds
Privacy & Confidentiality
Special Purpose LLC approved by IRS
Enhanced Investment Speed
Partnership Availability (Multi-Member LLC)
Asset Protection
Solo 401(k)
Best retirement plan if you are self-employed. Enjoy high annual contributions, Roth and loan features, and unlimited investment opportunities.


High Contribution Limits
Employee, Employer, and After-Tax Contributions
Tax Deferred Growth
Borrow up to $50,000, Tax Free!
Flexibility - Checkbook Control
Traditional & Roth Options
IRAfi Crypto™

With the all-new IRAfi Crypto™ trading app, you can now buy, sell, and trade the most popular cryptos including Bitcoin, Ethereum and XRP (plus over 25 more) for a low, flat annual fee of just $100.


Custodial Platform
Self-Directed Investing 24/7
Hedge Against Inflation
Digital Currency
25+ Different Cryptos/Tokens
Health Savings Account
Help cover the costs of medical expenses while gaining the ability to invest in alternative investments.


Use with a High Deductible Health Plan
Portability - Moves with You
Funds Roll Over Year to Year
Control - Invest in what You Want
Tax-Deductible Contributions
Tax-Free Withdrawals

(for qualified medical expenses)

Coverdell Education Savings Account
Give your child a head start. Invest in assets your way to help pay for education expenses.


Contribute up to $2,000 per year per beneficiary
Use for K-12 and Higher Education Expenses
Less Impact on Financial Aid
Parental Control until your Child Reaches the Age of Majority
Earnings Grow Without Tax
Tax-Free Withdrawals

(for qualified education expenses)

Which solution works for you?


Self-Directed IRA LLC

You get total control

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Self-Directed IRA

We do everything

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Solo 401(k)


Did you know most Self-Directed IRA investors use their retirement funds to invest in real estate? Learn More: Self-Directed IRA for Real Estate

We want to work with you

Individual, institution, or advisor—we’ll handle all your IRA or 401(k) alternative asset custody needs.

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We Handle Everything

We open your self-directed bank account, handle all IRS reporting, and offer annual IRS compliance services.

Simple Pricing

Our self-directed plans have no account value fees, account management fees, or minimum balance requirement.

For Institutions & Advisors

Gain online access to client accounts and generate fees from your clients’ investments in alternative assets.

How IRA Financial Works

IRA Financial is simplifying how you invest your retirement funds in alternative assets. Open an account on our app and start investing for a simple, flat fee.
How IRA Financial Works

How we're different


Our tax and ERISA experts have helped over 24,000 clients invest $3.2 billion in alternative assets.


Our founder, Adam Bergman, was a tax lawyer and is the author of 8 books on self-directed retirement plans.

Dedicated Support

In addition to tons of online resources, IRA Financial gives clients access to experienced specialists dedicated to your peace of mind.

Our latest content.​

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A client explains why he chose IRA Financial!

“I first tried working with [another provider]…When I proceeded to my due diligence, I was so disappointed by multiple aspects of the trust company documents that I backed out of the entire transaction…I then turned to IRA Financial.

Having been burned once, I snooped around to identify the trust company (IRA Financial Trust), found their “forms” webpage, and reviewed all the relevant forms before proceeding. Overall, the application process with IRA Financial was not too painful. Even better, they did signatures via DocuSign and in the process presented all the relevant documentation including information about fees and minimum account balance requirements.” 

Read Article →

R. Paul Drake
Portfolio strategy, dividend investing, REITs, closed-end funds