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We administer. You invest.

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

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IRA Financial App

4 great self-directed solutions

Invest in a wider range of investments, including real estate, tax free for a flat fee with a checkbook-controlled (LLC) or custodian-controlled structure.

Learn More  |  Watch Video   |  See Pricing

4 great self-directed solutions

Invest in a wider range of investments, including real estate, tax free for a flat fee with a checkbook-controlled (LLC) or custodian-controlled structure.

Learn More  |  Watch Video   |  See Pricing

Which solution works for you?

We want to work with you

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

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.

We want to work with you

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

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.

We make investing in alternative assets easy

Real Estate | Learn more

Cryptocurrency
We’ve partnered with Gemini to make your experience seamless |
Learn more

Investment Funds | Learn more

Never step foot in a bank

We partnered with Capital One bank so we can open your account with no wiring fees or minimum balance requirement. No need to sign paperwork or go to a bank—we take care of everything.

We make investing in alternative assets easy


Real Estate | Learn more

Cryptocurrency
We’ve partnered with Gemini to make your experience seamless |
Learn more

Investment Funds | Learn more

Never step foot in a bank

We partnered with Capital One bank so we can open your account with no wiring fees or minimum balance requirement. No need to sign paperwork or go to a bank—we take care of everything.

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 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

Do everything on our app

Open your account, roll over your funds, and start investing all from the palm of your hand.

Control your investments

Our self-directed solutions let you start investing in assets you know and understand quickly and easily.

Pay a flat fee

No hidden fees, minimum investment amount, or balance requirement.

Join the self-directed retirement nation

    Trusted expertise dedicated to education

    Subscribe to stay updated on everything self-directed retirement, and how your investments are affected by current events and changes in the law.

    How we’re different

    Experience

    Our tax and ERISA experts have helped over 21,000 clients invest $4.6 billion in alternative assets.

    Prestige

    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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    Seeking Alpha Logo

    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

    Did You Know?

    A self-directed retirement plan can be checkbook controlled (LLC) or custodian controlled. The LLC option will give you the most control over your funds, but both offer freedom and allow traditional and alternative investments.