Trade Stocks Inside Your
Self‑Directed Account
Add real-time trading in stocks, mutual funds, bonds, options and more, inside a Self-Directed IRA or Solo 401(k).
- Powered by Interactive Brokers
- $100 annual access fee
- Tax-advantaged investing
Why Trading Stocks in a Self‑Directed Account Is Different
With stock trading inside a self-directed account, you can hold equities alongside real estate, private deals, crypto, and metals, all within a single tax-advantaged account. No separate brokerage login. No fragmented strategy. Everything moves under one structure you control.
Your tax treatment stays intact. Your investment options expand. Your retirement strategy stays yours.
Compatible Retirement Accounts
Stock trading is available as an add-on across IRA Financial’s supported account types. Select your account in the app and tap “Add Stocks” to get started.
*Whether opening a new account or adding stock trading to an existing IRA Financial structure, a $100 annual administration fee applies for stock trading access.
How to Get Started with Stock Trading
Already have an IRA Financial account? Adding stock trading takes minutes. New to IRA Financial? Open an account first, then add stocks.
01
Open an Account
Select your retirement account type: Traditional IRA, Roth IRA, SEP IRA, Solo 401(k), or another supported structure. Select Add Stocks during setup to activate your integrated brokerage account.
02
Fund Your Account
Transfer funds from your IRA Financial account into your stock trading account. Your capital stays within the same tax-advantaged IRA structure; no separate accounts, no additional custodians.
03
Start Trading
Buy and sell equities, ETFs, mutual funds, bonds, options, and more. All trades settle inside your IRA. Gains remain tax-deferred or potentially tax-free, depending on your account type.
Simple Pricing Designed For Retirement Investors
IRA Financial charges a flat annual fee per account for Stocks access. Stock trading is powered by Interactive Brokers with no trading commissions* and no IRA Financial markup.
Add Stocks
$100
/ Annually
- $100 per year, per enrolled account
- No commissions*
- Trade stocks, ETFs, mutual funds, bonds, and options directly inside your IRA Financial account.
- Powered by Interactive Brokers
*No commissions on US exchange-listed stocks / ETFs. All other trades subject to IBKR Lite pricing.
What You Can Trade
Your IRA Financial stock add on account provides access to the full range of public market investments through Interactive Brokers.
Equities
Buy and sell individual stocks directly inside your retirement account. No separate brokerage, no fragmented positions; your equities sit alongside your alternatives in one consolidated account.
Mutual Funds
Access mutual funds inside your IRA Financial account without opening a separate brokerage. Manage diversified fund positions alongside your alternative assets in one place.
Bonds
Allocate to government, municipal, and corporate bonds as a standard asset class within your retirement account. Add fixed income to your portfolio without leaving the platform.
Options
Execute approved options strategies, including covered calls and protective puts, directly inside your IRA Financial account. No separate custodian or account structure required.
Currency
Trade major currency pairs inside your IRA Financial account using the same platform controls available across all asset classes. No separate forex account or custodian required.
Built for Retirement First,
Not Short Term Trading
Trades Powered by Interactive Brokers, Managed Inside IRA Financial
When you add stock trading to your IRA Financial account, you get direct access to the Interactive Brokers trading platform, one of the most established brokerage platforms available, without opening a separate taxable account.
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Investors Choose IRA Financial
I decided to open a Self-Directed IRA because I wanted to invest in real estate projects. Also, having control of my money was a big motivating factor as well. Being able to decide where and when to invest has been very successful for me. All the real estate projects I have selected have been solid investments. I have recommended IRA Financial to friends and family.
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.
I've looked at all of the participants in this space and IRA Financial was the clear choice. They were the easiest to work with, answered all my questions and concerns prior to me taking the steps to open the account. The process is straight forward and there are no surprises. My investments in Real Estate have been largely successful. IRA Financial is professional, has great support, and put the customer in the driver's seat.
Common Questions About Stocks
IRA Financial Stocks lets you trade publicly traded securities inside your retirement account. Stocks, ETFs, and more; all held within your existing IRA Financial account alongside your alternative investments. It’s powered by Interactive Brokers and accessible directly from your IRA Financial portal. No separate brokerage account. No extra structure.
No. Everything happens inside your retirement account. Your gains stay tax-advantaged, deferred in a Traditional IRA or potentially tax-free in a Roth, just like the rest of your portfolio.
No. Stocks is available as an add-on to any retirement account held within IRA Financial. There’s nothing new to open. Once access is enabled, a Stocks tab appears inside your portal under the Invest section and that’s where you manage everything.
Trading is executed through Interactive Brokers, one of the most established brokerage platforms in the world. You access it from directly within your IRA Financial account, so there’s no separate login and no platform switching.
No. Stock trading through IRA Financial doesn’t require any additional legal structure. If you already have an IRA Financial account, you can add Stocks to it as is.
Head to the Invest tab, then Stocks in your portal. You’ll review and accept the required disclosures, complete a short identity verification with Interactive Brokers, and wait for approval. Once you’re approved, you’re ready to trade.
After you complete identity verification with Interactive Brokers, review times can vary. You’ll receive a notification as soon as your account is approved and ready to go.
You do. IRA Financial is a self-directed platform, meaning every trade is placed by you. No advisor approval. No broker in the middle. You stay in control.
Before placing trades, you’ll need funds available in your Stocks Cash Balance. From your portal, you can move money from your Custodial Cash Balance into your Stocks Cash Balance under Invest then Stocks. Allow time for funds to settle and we’ll notify you when everything is ready.
Yes. That’s what makes IRA Financial different. Stocks, real estate, crypto, private placements and other alternative assets all live inside the same retirement account. One login. One portfolio view. Full control.
Stock trading access is $100 per year, added to your existing IRA Financial account. No commissions on US exchange-listed stocks / ETFs. All other trades subject to IBKR Lite pricing.
Stocks, ETFs, and a broad range of publicly traded securities available through Interactive Brokers, all held inside your IRA Financial retirement account.
Ready to Invest in Your Future?
Whatever strategy you plan for retirement, we do it all. Build your retirement with a Self‑Directed IRA designed for alternative and non traditional investments.
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