If you’re looking to take control of your retirement investments, both IRA Financial and Advanta IRA offer self-directed options that open the door to alternative assets like real estate, private lending, and precious metals.

While both firms share a mission to empower investors, they differ in pricing, flexibility, and technology — all of which can shape your investing experience. Here’s how they compare across the key categories that matter most.

Pricing & Fees: Transparent, Flat, and Investor-Friendly

Understanding fees is essential when choosing a Self-Directed IRA provider. Some companies charge based on your account size or the number of transactions — costs that can eat into returns over time.

Setup Fee

$0

$50

Annual Fee

$495

$700

Asset Value Fee

$0

$0

Investment Fee

$0

$380

Roth Conversion Fee

$0

$50

1 Year Total Cost

$495

$1,130

5 Year Total Cost

$2,475

$3,930

Based on 4 investments and a $200K balance

IRA Financial:

  • Flat annual fee starting at $495/year for Self-Directed IRAs, with additional plan options available beginning at $100 annually.
  • Optional Checkbook Control option with one-time setup cost
  • No asset-based fees or per-transaction charges
  • Built-in crypto access: The IRAfi Crypto platform offers low-cost trading for buying, selling, and managing crypto directly within the IRA Financial app.
  • No hidden or scaling fees — predictable pricing across all accounts

Advanta IRA:

  • Asset-based pricing model (fees rise with account value)
  • Annual fee based on # of assets or account value
  • Separate charges for transactions, asset purchases, and wires
  • Annual recordkeeping fees for each asset held
  • Setup and renewal fees apply for many account types

Summary

Advanta IRA’s fee model can make sense for smaller, less active investors. However, IRA Financial’s flat-rate pricing remains simpler and more cost-effective for investors managing multiple assets or frequent transactions.

Winner: IRA Financial
IRA Financial offers the better deal overall — predictable, transparent pricing that favors active investors and diversified portfolios.

Winner: IRA Financial
IRA Financial offers the better deal overall — predictable, transparent pricing that favors active investors and diversified portfolios.

Investment Flexibility & Product Options

Both providers enable investors to diversify into a wide range of assets, but how you access and manage those investments can differ significantly.

Self-Directed IRA

Solo 401(k)

Checkbook Control

ROBS Structure

Crypto Platform

IRA Financial:

  • True control: Invest in real estate, private businesses, precious metals, and more
  • Direct crypto investing through IRA Financial’s integrated platform
  • LLC and Trust options for greater flexibility and liability protection
  • Solo 401(k) plans, SEP & SIMPLE IRAs for the small business owners
  • Supports Roth & traditional IRAs, Self-Directed HSA & Coverdells, plus ROBS for business funding

Advanta IRA:

  • Offers access to real estate, private placements, notes, metals, and more.
  • Does not provide in-house crypto trading
  • Supports numerous account types including traditional and Roth IRAs, Solo 401(k) plans and Inherited IRAs.
  • Requires custodian approval for each investment transaction
  • Slower turnaround times due to manual review process
Summary

Both offer solid flexibility, but IRA Financial’s structure gives investors faster, easier control over their money — no waiting for custodian sign-offs.

Winner: IRA Financial.
With checkbook control and broader investment access, IRA Financial makes managing a diverse portfolio faster and more efficient.

Winner: IRA Financial.
With checkbook control and broader investment access, IRA Financial makes managing a diverse portfolio faster and more efficient.

Technology: Built for the Modern Investor

Technology sets the pace for convenience in today’s investing world. While both companies are service-oriented, their tech capabilities differ.

IRA Financial:

  • Sleek, modern mobile app for full account management
  • Integrated crypto trading, contribution tracking, and document upload
  • Real-time notifications and secure e-signature processing
  • Fast funding and investment execution

Advanta IRA:

  • More traditional, document-driven account management
  • No comprehensive mobile app
  • Online access limited to forms and basic account data
  • Reliance on email or manual document processing

Summary

Advanta IRA offers reliable service, but IRA Financial’s modern digital tools give investors a much smoother, more efficient experience.

Winner: IRA Financial.
IRA Financial’s tech-first platform makes it easier to manage your account anywhere, anytime — a huge plus for modern investors.

Winner: IRA Financial.
IRA Financial’s tech-first platform makes it easier to manage your account anywhere, anytime — a huge plus for modern investors.

Reputation & Customer Reviews: Trusted by Thousands

Reputation and service quality often separate the good from the great in the self-directed industry.

Trustpilot

4.8 / 5

N/A

Google

4.8 / 5

4.7 / 5

Other Platforms

4.8 / 5

4.3/ 5

IRA Financial:

  • Over 24,000 clients across all 50 states, managing $4+ billion in assets
  • Backed by 3,000+ 5-star reviews across Google, Trustpilot, and other platforms.
  • Featured by Forbes, CNBC, MarketWatch, and other leading outlets
  • Trusted by investors for over 14+ years.
  • Founded by tax attorney Adam Bergman, who provides ongoing education through weekly videos and blog content.

Advanta IRA:

  • Established regional presence with experienced staff
  • Positive reviews for personalized service and responsiveness
  • Focuses on education through local events and webinars
  • Smaller national footprint compared to IRA Financial
Summary

Advanta IRA has earned a strong regional reputation for hands-on service. IRA Financial stands out nationally for its scale, resources, and focus on compliance expertise.

Winner: Tie
Both providers are highly respected — Advanta IRA for its personal touch, and IRA Financial for its innovation and nationwide reach.

Winner: Tie
Both providers are highly respected — Advanta IRA for its personal touch, and IRA Financial for its innovation and nationwide reach.

The Bottom Line: Why IRA Financial Is the Smarter Choice

IRA Financial and Advanta IRA share a commitment to helping investors take charge of their retirement savings. But for those who want greater autonomy, faster transactions, and transparent pricing, IRA Financial stands out as the more versatile solution.

Why Choose IRA Financial

  • Flat, transparent fees — no surprises or scaling costs
  • Checkbook Control for fast, independent investing
  • Advanced technology with full mobile management
  • In-house tax and ERISA professionals for expert guidance

Why Choose Advanta IRA

  • Hands-on support and local educational events
  • Traditional custodian oversight for investors who prefer structure
  • Suitable for smaller accounts or less frequent investors

Final Verdict: IRA Financial Wins Overall
With its flat pricing, speed, and modern technology, IRA Financial delivers more value, flexibility, and confidence to today’s self-directed investors.

Take Action:
Choose what’s best for your future:
👉 Schedule a Free Consultation with a Retirement Specialist
👉 Open an Account