Health Savings Account

Help cover the costs of medical expenses. Invest in alternative assets and lower your medical bills.

Group 63w61

2 Great Self-Directed Solutions

checkbook controlled plan

Checkbook Controlled (LLC)

A special purpose limited liability company (LLC) is established. As manager, make alternative investments on behalf of your HSA through a local bank. Learn more

custodian controlled plan

Custodian Controlled

Invest in alternative assets, such as real estate, with your HSA. Diversify your retirement portfolio and invest in assets you know and trust. Learn more

Gain Tax Advantages

Pay qualified medical expenses tax free. Contributions, gains from investments, and employer contributions are tax free.

Self-Direct Your ESA

With checkbook control, invest in alternative assets without a custodian.

Keep Your Account

Unused contributions stay in your account year to year and your account stays with you when you leave your employer.

checkbook controlled plan


If you have a High Deductible Health Insurance Plan (HDHP), you are eligible to open a tax-advantaged HSA to invest with.

Do everything on our app


1. Open an account

Sign up in minutes with our app and open a self-directed account or call us at 800-472-1043.


2. Roll over funds

Perform a no-hassle and tax-free transfer or rollover of your retirement funds.


3. Invest

Invest in alternative assets like real estate and much more on your own.

We want to work with you

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

Group 6361

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.

ESA Info Kit 2023

Download our info kit for more in-depth reading about the Coverdell ESA

Robust, easy to read, and updated for 2024. This guide is your one-stop shop for all the most important questions about the Coverdell ESA.

Our fees

Our fees are simple and transparent.

What you can invest in

With a self-directed account, you can make almost any type of investment including real estate and generate tax-free gains.