Stop overpaying for the same service. Our flat-rate pricing model means no asset-based fees, no investment charges, and no surprises.
IRA Financial | Alto | |
Setup Fee | $0 | $0 |
Annual Fee | $495 | $400 |
Asset Value Fee | $0 | $0 |
Investment Fee | $0 | $300 |
Roth Conversion Fee | $0 | $50 |
1 Year Total Cost | $495 | $750 |
Estimates based on $200K account with 4 investments. Updated 2025 data.
Smarter investors are choosing lower flat fees, faster expert support, and more investment freedom with IRA Financial.
We’ll cover your custodian’s termination fee when you switch. Paid as a $250 credit off your first annual fee.
No asset-based fees. No transaction fees. No surprises.
Talk to real experts who can help you fund real estate, private placements, crypto, and more.
We’re building the best client experience in the industry. Invest in what you want, simply and seamlessly.
Buy, sell, and trade over 45 popular crypto currencies within your account.
Earn up to $500 per year when you refer friends and family to IRA Financial.
No. Our team handles most of the process for you, including contacting your current custodian, coordinating the transfer, and helping with asset re-registration if needed. Most transfers are completed within 7–10 business days.
In most cases, no. IRA Financial supports in-kind transfers, so you can move your existing assets—like private placements, real estate, or LLC interests—without selling them.
IRA Financial charges a flat $495 annual fee with no asset-based fees, transaction fees, or Roth conversion fees. Alto’s average fees are more than 150% higher in the first year, especially if you hold multiple assets.
While both are self-directed IRA custodians, IRA Financial offers:
Yes—plus more. IRA Financial supports all IRS-approved alternatives like real estate, private placements, promissory notes, precious metals, and crypto. And unlike Alto, we’ll soon offer stock and ETF access directly inside your account.
Absolutely. We’re a licensed trust company regulated under South Dakota banking laws, with robust compliance protocols, IRS reporting, and asset segregation. We also guide you through complex IRS rules to avoid prohibited transactions.
Yes. Our expert team is available by phone, email, and app. Whether you’re structuring a real estate deal or wiring funds to a private company, we’re here to help—not just process.
No pressure. No hidden fees. Just smarter investing with real support.