Unlock Real Estate Investing with Your IRA
With a Self‑Directed IRA, you can use your retirement funds to invest in a wide variety of real estate opportunities.
- Invest in rental properties, REITs, raw land, and more
- Benefit from tax-deferred or tax-exempt savings
- Take advantage of rising rents and property values
Trusted by thousands, IRA Financial offers fast setup, expert support, and full IRS compliance — so you can save more, stress less, and invest with confidence. Start today.

Award-Winning Innovation You Can Trust
Best Self-Directed IRA Companies 2025
Leading Firms for Self-Directed IRAs in 2025
Top-Rated Self-Directed IRA Services for Investors
What is a Self‑Directed Retirement Account?
A self-directed retirement account is a tax-advantaged IRA or Solo 401(k) that gives you the freedom and flexibility to invest in alternative assets.
Unlike traditional retirement accounts limited to stocks and bonds, self-directed accounts let you take control of your investments while staying compliant with IRS rules. Diversify your portfolio, reduce your tax burden, and invest in what you know best.

Expert-guided Support
Our team has deep industry knowledge to guide you through the options that best fit your needs.
Real Estate Investment Options
Choose from residential or commercial properties, tax liens, fractional real estate and more.
Safe and Compliant
Our services are fully compliant with financial regulations, giving you peace of mind.
Types of Self‑Directed Retirement Accounts for Individuals
Self-Directed IRA
A custodian-controlled Self-Directed IRA allows one to invest in alternative investments, including real estate. You choose the investments, and we'll invest on your behalf. Ideal for investors who are less hands-on.
$0
Setup Fee
$495
Annually
Checkbook IRA
A Checkbook IRA gives you total control with the use of an LLC. Perfect for the investor that performs a lot of transactions, such as with a rental property.
$999
Setup Fee
$495
Annually
Solo 401(k)
If you have self-employment income, the Solo 401(k) is the best way to invest in real estate with retirement funds. Unlike IRAs, 401(k) plans are exempt from UBTI, a tax for investors using leverage to invest in real estate.
$999
Setup Fee
$399
Annually

The #1 Self‑Directed Retirement Company
IRA Financial, founded in 2010, is a leading provider of self-directed retirement plans and your partner in financial freedom. Our platform and mobile app make managing your account easier than ever and our in-house tax and compliance team ensures your investments stay within IRS rules.
Why IRA Financial?
- Over $5 billion in retirement assets under custody
- 25,000+ clients across all 50 states
- 97% client retention rate
- Guaranteed IRA audit protection
- Expert support from highly trained specialists
How It Works
01
Open Your Account
Start by opening a new account in less than 10 minutes with us.
02
Fund Your Account
Make a contribution or transfer from another IRA account.
03
Choose Your Investments
Pick from any number of alternative asset investments.
See What Our Clients Have to Say
Before contacting IRA Financial Group, I conducted an extensive market research on Solo 401K providers. From the initial phone call, I was impressed with the professionalism, the wealth of information provided, the caliber of services. I commend the firm for the technically advanced and secured process they have in place for the transfer of documents and payments processing.
I have been a client of IRA Financial for several years and I really love them. I've worked with other companies, and they just were not as easy to work with. I appreciate being able to get somebody on the phone and getting help with taxes. Just everything has been so easy to work with. I have, and do, recommend them to anyone thinking about self-directed investing.
I researched several companies before deciding to go with IRA Financial. I am completely happy with my choice. I appreciate that I can ask questions about rules prior to making an investment to make sure I am compliant. I like that I can invest in traditional investments, but also real estate. I have invested in land, rentals, and home flips. Whenever I am speaking with self-employed individuals, I bring up IRA Financial and the idea of opening a Solo 401(k). I think it is a no-brainer for someone who is self-employed and wish I had opened mine up sooner.
Ready To Take Control of Your Retirement Savings?
Take control of your retirement by investing in alternative assets like real estate, cryptocurrency, businesses, and more. Start creating wealth today by starting your application.
