Enjoy Tax-Free Withdrawals with a Self-Directed Roth IRA
A Self-Directed Roth IRA gives you full control over your retirement investments, with the added benefits of: tax-free growth, the ability to contribute as long as you earn income, and tax-free withdrawals in retirement.
Why Choose Us as Your Roth IRA Provider?
At IRA Financial, our Self-Directed Roth IRA custodians provide expert support, transparent pricing, and a seamless investment experience.
Self-Directed Roth IRA
- Best value self-directed solution
- Invest in almost anything you want
- Enjoy tax-free withdrawals during retirement
- No transaction or asset value fees
- Choose custodian or checkbook control
How to Open a Self-Directed Roth IRA
A Self-Directed Roth IRA lets you take charge of your retirement investments. Open an account easily and start diversifying on your terms.
01
Open an account
02
Get your Roth IRA account number
Step 2
Once approved, you’ll receive your Roth IRA account number to move forward.
03
Fund your account
Step 3
Transfer, roll over, or contribute funds directly to your Roth IRA to start investing.
The Benefits of a Self-Directed Roth IRA
Tax-free growth and withdrawals
Your Roth IRA grows tax-free, and qualified withdrawals (after 59½ and five years) are completely tax-free.
Built-in estate planning benefits
Your Roth IRA can be passed on to heirs tax-free, making it a powerful wealth-building tool.
No Required Minimum Distributions
Unlike a Traditional SDIRA, a Self-Directed Roth IRA does not require withdrawals at age 73, allowing assets to grow indefinitely.
Broader investment choices
Move beyond stocks and bonds to invest in alternative assets like real estate, cryptocurrency, private equity, precious metals, and more, expanding your opportunities for growth.
Direct investment control
Choose where and how to invest without relying on traditional brokerage firms, giving you full authority over your portfolio.
Potential Emergency Fund
Access your Roth IRA contributions at any time—tax-free and penalty-free—providing flexibility if unexpected expenses arise.
Custodial support
An IRA custodian handles administrative tasks and facilitates transactions while you maintain full decision-making power.
Our Roth IRA vs Other IRA Companies
Many Self-Directed IRA custodians charge percentage-based fees that increase as your investments grow—reducing your returns over time. At IRA Financial, we offer a flat, predictable pricing structure with no hidden costs.
Book a Consultation
Schedule a free consultation with a member of our team to explore how opening a self-directed retirement account can unlock your ability to invest tax-free in a variety of alternative assets.
See What Our Clients Have to Say
See What Our Clients Have to Say
Online application process was very simple. Any questions I had was quickly responded to by humans and not simply an unintelligent bot. Establishment of my LLC and bank account was very smooth.
I didn’t know what to expect when I first called IRA Financial Group (IFG) as I had no past experience in the services they were offering. Before calling them I called one other company and they were not friendly on the phone. IFG answered and right away it was a different tone. Very helpful, answered my questions and explained my options. I ended up using them to open an IRA LLC and a Solo 401(k). During the entire time Jennifer was extremely courteous and professional. I had lots of questions during each stage of filling out forms, opening bank accounts and then more paperwork with the third-party companies I was setting up these plans for. Every step of the way all of their emails were expertly crafted and clearly detailed where to sign and what I was signing. The level of competence was outstanding. The only complaint I could mention was I wasn’t warned in advance that LLC trolls would hit me up with fake invoices to pay. Apparently they scan the public records and target newbies like myself with phony bills. I paid one of them before discovering this ploy and stopped payment just in time. IFG should have warned me that I might be targeted since they are familiar with this but forgot to mention. A minor inconvenience as far as I’m concerned. Overall this was an excellent experience with IRA Financial Group and I highly recommend them to anyone needing their services.
I would highly recommend this company to anyone considering changing to a self directed IRA or solo 401(k). I had both a Roth and regular IRA and converted both to new self directed plans. They thoroughly explained the differences and benefits between plans and directed me toward the best plan for the type of investment I was planning on making. It was a very easy process!
What Alternative Assets Can You Invest in with a Self-Directed Roth IRA?
A Self-Directed Roth IRA allows you to diversify beyond traditional stocks and bonds. Popular investment options include:
Self-Directed Roth IRA FAQs
Answers to some of the most commonly asked questions about Self-Directed Roth IRAs. You can check out our full-list of SDIRA FAQs here.
A Self-Directed Roth IRA is a retirement account that allows you to invest in a wide range of alternative assets—real estate, cryptocurrency, private equity, tax liens, and more—while benefiting from tax-free growth and tax-free withdrawals in retirement.
Unlike standard Roth IRAs from banks or brokerages, a Self-Directed Roth IRA gives you full control over your investment choices, but requires a Roth IRA custodian to hold your assets and ensure IRS compliance.
For 2025, you can contribute up to $7,000 plus an additional $1,000 catch-up contribution if you are age 50 or older. Income limits apply for direct Roth IRA contributions. High earners can use a “Backdoor Roth IRA” strategy to contribute.
No. Unlike Traditional IRAs, Roth IRAs do NOT require withdrawals at age 73. Your funds can grow tax-free indefinitely, making it a powerful tool for long-term wealth building and estate planning.
Yes, you can have multiple Roth IRAs, including a mix of both Traditional and Roth IRAs. However, your annual contribution limit applies across all accounts.
Your Self-Directed Roth IRA can be inherited tax-free by your beneficiaries, depending on the circumstances:
- Spouses – Can transfer the account into their own Roth IRA and continue tax-free growth.
- Non-Spouses – Must withdraw funds within 10 years but typically do not owe income taxes on the distributions.
Ready to plan for your future?
Take control of your retirement by investing in alternative assets like real estate, cryptocurrency, businesses, and more. Start creating wealth today by opening an account.
