Adam Bergman

Solo 401(k) Provider Scorecard: 15 Questions to Ask Before You Choose 

Why Your Solo 401(k) Provider Choice Affects Taxes, Control, and Flexibility

Solo 401(k) plans remain one of the most powerful retirement vehicles for self-employed individuals because: 

  • They let you contribute as both employer and employee, boosting tax-advantaged savings. 
  • Some plans now include Roth 401(k) features and loan capabilities that many SEP IRAs don’t offer. 
  • Providers range from major brokerages with limited options to self-directed specialists with near-unlimited investment flexibility, and your needs will dictate the ideal choice. 

Understanding which questions to ask helps you avoid hidden costs, limited features, and administrative headaches when it comes to selecting a Solo 401(k) provider. 

Key Takeaways

  • Choosing the right Solo 401(k) provider matters because features, fees, and flexibility vary widely, especially between mainstream brokerages and self-directed administrators. 
  • Beyond basic cost and investment access, plan features like loans, Roth options, and investment breadth often make the biggest long-term impact. 
  • Your business structure and retirement strategy (e.g., real estate investing, aggressive saving, or loan access) should drive provider choice more than brand name. 
  • This scorecard centers on questions you should ask, instead of vendor ratings, so you can compare apples to apples when talking to providers.

15 Must-Ask Questions Before Choosing a Solo 401(k) Provider 

1. What Investment Options Does the Plan Support? 

Does the provider limit investments to stocks, ETFs, and mutual funds, or allow alternative assets (real estate, private equity, crypto)? 

2. Does the Plan Support Self-Directed Investing? 

Self-Directed Solo 401(k) plans can allow more asset types and checkbook control, ask if this is an option. 

3. Are Roth 401(k) Contributions Supported? 

Not all providers allow Roth designations; if tax-free retirement distributions matter, this is crucial. 

4. Is a Loan Feature Available? 

Some Solo 401(k) plans let you borrow up to $50,000 or 50% of your balance. Ask if 401(k) loans are allowed and what the terms are. 

5. What Are the Setup and Ongoing Fees? 

Beyond management fees, clarify setup, annual maintenance, transaction, and termination charges. 

6. How Easy Is Account Setup and Funding? 

Ask whether contributions can be automated or if manual funding (with potential paperwork) is required. 

7. Is There Support for Rollovers From Other Plans? 

Can you bring in assets from existing 401(k)s, IRAs, or other qualified plans with minimal hassle? 

8. What Administrative and Compliance Support Is Included? 

Does the provider handle IRS filing requirements (like Form 5500 if assets exceed thresholds), compliance testing, and plan updates? 

9. Are In-Service Distributions Allowed? 

This matters if you plan to move after-tax or voluntary contributions into a Roth IRA mid-career. 

10. What Control Do You Have Over Custody and Brokerage Selection? 

Some plans lock you into a specific custodian/broker; others let you bring your own. 

11. Are There Investment Minimums or Restrictions? 

Check whether there are minimum balances or restrictions on certain asset types. 

12. What Technology and Platform Features Are Provided? 

Access to mobile apps, online trading tools, and real-time account views can significantly impact usability. 

13. What Customer Service and Advisory Support Do You Get? 

Not all providers offer financial advice; clarify whether support is educational, administrative, or advisory. 

14. Are There Limits on Distributions and Withdrawals? 

Understand how and when you can take distributions, especially for retirement timing. 

15. What Happens if You Hire Employees? 

Some providers may not support plan conversion if your business grows beyond owner-only (e.g., adding employees disqualifies a Solo 401(k)). 

How Providers Compare: Key Feature Table 

Provider Setup Fee Annual Fee Investment Options Checkbook Control Compliance and Support Notes / Reputation
IRA Financial $999 $399 Real estate, crypto, metals, private equity, promissory notes Yes Free plan updates, tax and consulting, 5500-EZ filing, audit protection, Mega Backdoor Roth 27,000+ clients, 2,000+ 5-star reviews; full-service self-directed support
New Direction Trust Company $30 $425 Real estate, promissory notes, metals No Limited; mostly custodial BBB-accredited; mixed reviews; tiered fees can grow quickly
Broad Financial $995 $149 Real estate, crypto, startups, crowdfunding, private lending, metals, private equity Yes Limited Mostly positive reviews; operational support for alternatives but minimal compliance guidance
IRAR Trust $0 $899 Real estate, promissory notes, private placements Yes Limited; mostly custodial Experienced with real estate; higher annual fees and slower approvals
Rocket Dollar Varies Varies Real estate, crypto, private placements Yes Operational guidance for alternative assets Strong for real estate execution; itemized fees may apply
E*TRADE Varies Varies Primarily traditional securities No Brokerage compliance; limited alternative support Best for mainstream securities, not deep alternative-asset investing

Alternative Assets in Solo 401(k) Plans
Asset Type Liquidity Custodial/Compliance Needs Tax/UBTI Considerations
Real estate Low to medium Clear title in plan name or LLC, property management segregation Leveraged purchases may trigger UBTI; mortgage interest reporting required
Cryptocurrency High volatility Custodian wallet or provider-enabled crypto, secure key management Standard tax treatment; trading inside plan is tax-deferred
Private placements / Private equity Very low Subscription docs, accredited-investor verification Long-term capital appreciation; must follow prohibited-transaction rules
Precious metals Low IRS-approved storage, segregated custodial holding Distributions taxed like other account assets; storage fees may apply

Note: This table reflects general industry norms in 2026; specific offerings vary by provider. 

Common Pitfalls to Avoid 

  1. Assuming All Providers Offer the Same Features 
    Major brokerages may offer low fees but restrict investment options; ask before assuming broad flexibility. 

  1. Overlooking Loan Availability 
    Missing this can cost you access to capital when you need it; clarify loan terms up front. 

  1. Ignoring Administrative Burdens 
    Solo plans require simple IRS filings once assets exceed $250K, and verify support. 

  1. Failing to Consider Future Growth 
    If you might hire employees, plan options and conversion pathways matter. 

Final Tips Before You Decide 

  • Talk to multiple Solo 401(k) providers with the same questions, and compare apples to apples. 
  • Check out our list of the Top Solo 401(k) providers for 2026.
  • Document the answers in writing so you can reference them later. 
  • Align the provider with your retirement strategy, not just costs. 

by Adam Bergman

When Is Your Self-Directed IRA Contribution Actually Made?

When it comes to Self-Directed IRAs and Self-Directed Roth IRAs, most investors focus on how much they can contribute and what they should invest in.

But one of the most important and most overlooked questions is much simpler:

When does the IRS actually consider your contribution to be made?

It sounds like a technicality, but it has real consequences. Every year, investors believe they made a timely IRA or Roth IRA contribution, only to find out later that the IRS treats it as late. In most cases, the issue is not intent. It is timing, and specifically whether the contribution was actually completed under IRS rules.

That distinction matters. The IRS is not concerned with when you decided to contribute or when you initiated the process. It cares about when the contribution was effectively delivered and accepted.

Understanding how that works, especially when using checks, wires, or electronic transfers, is essential if you want to avoid missing the deadline and losing a full year of tax-advantaged savings.

2025 IRA and Roth IRA Contribution Limits and Deadlines

For the 2025 tax year, the contribution limits are straightforward.

If you are under age 50, you can contribute up to $7,000. If you are 50 or older, you can contribute up to $8,000, which includes the catch-up contribution. These limits apply across all of your IRAs combined, whether Traditional or Roth.

The deadline is equally important. For 2025 contributions, you have until April 15, 2026, which is today. That date corresponds to the federal tax filing deadline and is established under IRS Publication 590-A.

One thing worth repeating: filing a tax extension does not extend your IRA contribution deadline. April 15 is fixed.

The IRS does allow contributions made between January 1 and April 15 of the following year to be applied to the prior tax year, but only if they are properly designated.

At a high level, the rule seems simple. You have until Tax Day to fund your IRA for the prior year. But whether that contribution is actually considered timely depends heavily on how the funds were delivered.

When the IRS Considers Your Contribution "Made"

The IRS applies different timing rules depending on how you make the contribution. There are two broad categories: contributions sent by mail and contributions made electronically. The IRS treats them very differently.

Contributions by Check: The Mailbox Rule

If you mail a check to your IRA custodian, the IRS generally applies the mailbox rule under Internal Revenue Code Section 7502. Under this rule, a contribution is considered made on the date it is mailed, as long as it is properly addressed and postmarked on or before the deadline.

This can work in your favor if you are contributing close to April 15. If you mailed a check today and the custodian receives it in a few days, the contribution can still be treated as timely, provided you can prove the mailing date.

That proof matters. Using certified or tracked mail is strongly recommended because it gives you documentation if the IRS ever questions the timing.

If you hand-deliver a check, the mailbox rule does not apply. In that case, the contribution is treated as made when the custodian receives it.

Contributions by Wire and ACH: The IRS Looks at Receipt, Not Initiation

Wire transfers and ACH payments do not benefit from the mailbox rule. IRC Section 7502 applies specifically to items sent through the U.S. mail. Electronic transfers are treated differently.

For wires and ACH, the IRS follows a consistent principle: a payment is considered made when it is actually received and credited by the recipient. IRS Publication 590-A requires that contributions be "made by the due date," and general IRS payment rules treat electronic payments as effective when funds are received, not when they are initiated.

The conclusion is straightforward. For wire transfers and ACH payments, the contribution is treated as made when the IRA custodian receives and credits the funds.

Why This Matters for Wire Transfers

Wire transfers are often thought of as immediate, but from a tax standpoint that assumption can get you in trouble.

When you initiate a wire, your bank begins the process of sending funds. The receiving institution still has to accept the wire, match it to your account, and credit the funds. That process is usually same-day, but it is not guaranteed. Bank cut-off times, time zones, incorrect instructions, and internal processing delays can all push receipt into the next business day.

From the IRS's perspective, none of that is relevant. What matters is when the funds are credited to the IRA.

If you initiate a wire today and the funds are not received until tomorrow, the contribution may be treated as late.

Why ACH Transfers Require Even More Caution

ACH transfers carry even more timing risk because they are not real-time transactions.

When you initiate an ACH transfer, it typically takes one to three business days to complete. The funds are moving through the banking system, but they have not yet been received by the IRA custodian. Until they are credited, the IRS does not consider the contribution made.

This is one of the most common mistakes investors make. Someone initiates an ACH transfer on April 15, assumes the contribution is timely, and the funds settle two days later. The IRS treats it as late.

With ACH transfers, initiation is not enough. Completion is what counts.

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Why the IRS Uses These Rules

The IRS relies on objective standards to determine whether contributions are timely. For mailed checks, the postmark provides a clear and verifiable date. For electronic transfers, the only reliable event is when the funds are actually received.

This approach avoids ambiguity and creates consistency across all taxpayers. It may feel strict, but it is predictable once you understand it.

Practical Tips to Avoid Missing the Deadline

The easiest way to avoid problems is to not wait until the last day.

While the IRS allows contributions through April 15, contributing at the wire means accepting real risk, especially with electronic transfers.

If you are contributing close to the deadline, use a method that gives you certainty. A properly documented mailed check or a confirmed internal transfer are your safest options.

If you are using a wire, initiate it early in the day and confirm the funds have been received before the day ends. If you are using ACH, you should have initiated the transfer several days ago to allow for processing time.

Always verify that your contribution has been received and properly designated for the correct tax year.

Why Timing Matters More Than People Realize

Missing an IRA contribution deadline is not just a technical issue.

It means losing the ability to contribute for that year entirely. It means losing a full year of tax-advantaged growth and missing out on compounding that you can never get back. For Roth IRAs, the impact is even greater since all future growth can potentially be tax-free.

Over a long investing horizon, even one missed contribution year can have a meaningful effect on what you ultimately accumulate.

IRA Financial Makes This Easy

This is where working with the right provider makes a real difference.

At IRA Financial, we understand that contribution timing is critical, especially near the deadline. We accept IRA contributions through April 15 via checks, wires, ACH transfers, and direct deposits. More importantly, we make sure every contribution is properly processed, correctly designated, and documented in accordance with IRS rules.

We are a full-service firm. We do not just hold assets. We help clients navigate the details, avoid common mistakes, and make sure everything is handled correctly from start to finish.

Conclusion

IRA contribution rules are simple in concept but easy to get wrong in practice.

The deadline is April 15, and if you have not yet funded your IRA for 2025, today is the day to act. Whether your contribution is considered timely depends on how and when the funds are actually delivered. Checks benefit from the mailbox rule. Wires and ACH transfers do not. For electronic transfers, the IRS looks at receipt, not initiation.

Understanding these distinctions is what separates investors who maximize their retirement savings from those who lose a year of tax-advantaged growth over an avoidable mistake.

Making the contribution is only part of the process. Making it correctly is what counts.

by Adam Bergman

The "Triple-Threat" Education Strategy: 529, Self-Directed Coverdell, and the Trump Account

Saving for a child’s future is no longer just about safe bonds and slow growth. To keep pace with rising tuition and the evolving digital economy, families today need a smarter, more layered approach. This strategy, which we call The Legacy Trifecta, combines the institutional stability of the 529 Plan, the high-growth flexibility of the Coverdell ESA, and the new government-backed seed power of the Trump Account.

When you stack these three tools together, you are building a strong foundation while also giving yourself exposure to high-risk, high-reward opportunities that could turn a modest college fund into something much bigger.

https://youtu.be/885_D6Alqws

Product Summaries: The Three Pillars

Before getting into the strategy, it is important to understand how each account works as of 2026.

1. The 529 Plan: The Foundation

The 529 is still the backbone of education savings. It allows for significant contributions, often up to $500,000 or more per beneficiary, and offers tax-free withdrawals for tuition, room, and board. The tradeoff is limited investment flexibility, since you are usually choosing from a set menu of mutual funds.

2. The Coverdell ESA: The High-Alpha Engine

The Coverdell is often overlooked, but it can be incredibly powerful for families who qualify under the income limits. What makes it stand out is self-direction. Unlike a 529, you can open a Coverdell at a brokerage and invest in individual stocks, ETFs, and even alternative assets like Bitcoin. That flexibility makes it an ideal place for higher-growth ideas, especially since gains remain tax-free when used for education.

3. The Trump Account: The Kickstart

For children born between 2025 and 2028, the Trump Account introduces a new concept. It provides a $1,000 automatic government seed under the One Big Beautiful Bill. Those funds are invested in U.S. stock index funds. While withdrawals are taxable, there is no penalty after age 18. In simple terms, it is free capital that grows alongside anything you choose to contribute.

The Strategy: Base, Bolt-On, and Boost

The Legacy Trifecta works because each account has a defined role. You are not guessing. You are assigning purpose.

Step 1: Establish the Base (529 Plan)

Start with the 529. This is where you cover the essentials like tuition and housing. A steady contribution of $5,000 per year builds a reliable, tax-advantaged core.

Step 2: Add the Bolt-On for Alpha (Coverdell ESA)

If your income allows, contribute $2,000 per year to a self-directed Coverdell. This is not where you play it safe. This is where you look for growth, whether that is Bitcoin or emerging tech.

The logic is simple. If those investments perform, you create a tax-free upside. If they do not, your 529 is still there doing its job.

Step 3: Capture the Boost (Trump Account)

If your child qualifies based on birth year, claim the $1,000 seed by filing IRS Form 4547. Even if you never add another dollar, that account is working in the background. By age 18, it becomes a flexible pool of money that can be used for education or even rolled into a retirement strategy.

Example Scenarios: Kids Born 2025 to 2028

Let’s walk through what this could look like for a middle-class family starting when their child is age one.

  • 529 Contribution: $5,000 per year at a 7% average return
  • Coverdell Contribution: $2,000 per year at a 12% return due to a higher-growth allocation
  • Trump Account: $1,000 one-time seed growing at 8%

Case Study: The Class of 2025 Baby

  • 529 Balance at 18: approximately $161,000, providing solid tuition coverage
  • Coverdell Balance at 18: approximately $110,000, creating a tax-free boost for education expenses
  • Trump Account at 18: approximately $4,000, a smaller but meaningful pool for additional needs
  • Total Nest Egg: $275,000

There is also a strategic angle here. If higher-growth assets perform well over time, you may be able to scale back 529 contributions and let compounding do more of the work.

 

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Why This Strategy Works

Most traditional education planning is defensive. You save, you hope it is enough, and you try to keep up with costs.

This approach is different. It is built to do more.

  • The 529 provides stability and predictability
  • The Coverdell creates the potential for meaningful upside
  • The Trump Account gives every child a starting point, regardless of how much a parent can contribute

Each piece plays its role, and together they create balance.

529 and Coverdell withdrawals are tax-free when used for qualified education expenses. The Trump Account is different. The seed and its earnings are taxable when withdrawn, but at the child’s likely lower tax rate after age 18. That is not a drawback. It is a tradeoff that comes with using government-provided capital.

Conclusion

The Triple-Threat strategy reflects a shift in mindset. This is not just about saving for a future expense. It is about investing in a future outcome.

By combining these three accounts, you are not just trying to keep up with rising tuition. You are building a system that captures growth across different parts of the economy.

By the time your child turns 18, the goal is not just to cover college. It is to give them options. A 529 can help deliver a debt-free education. A Coverdell can provide a growth-driven boost. The Trump Account can offer an early step into long-term wealth building.

For many families, the biggest challenge has always been choosing between safe and steady or aggressive and uncertain. This approach allows you to do both, in a way that is structured and intentional.

 

by Adam Bergman

Can I Move Money to IRA Financial Tax-Free?

A Complete Guide to Funding a Self-Directed IRA, Solo 401(k), or ROBS Plan Without Triggering Taxes

One of the most common questions I hear from investors and entrepreneurs exploring self-directed retirement strategies is straightforward but critically important: Can I move my retirement money to IRA Financial without paying taxes?

In most cases, the answer is yes!

When structured properly, moving funds into an IRA Financial Self-Directed IRA (SDIRA), Solo 401(k), or ROBS plan is designed to be a tax-free event. The goal is not to take a distribution, which would trigger income tax and possibly early withdrawal penalties. Instead, the objective is to reposition your retirement savings through contributions, transfers, or rollovers that preserve the tax-advantaged status of those funds.

Understanding how these funding methods work, and when they remain tax-free, is essential if you want to maximize retirement flexibility and avoid costly mistakes. In this guide, I will walk you through the primary ways to fund a Self-Directed IRA, Solo 401(k), or ROBS structure, review the 2026 contribution rules, and explain the transfer and rollover strategies that allow you to move money efficiently into an IRA Financial account.

Understanding Your Options: What Is a Self-Directed IRA, Solo 401(k), and ROBS Plan?

Before we talk about moving money tax-free, it's important to understand the differences between the three most popular IRA Financial structures.

A Self-Directed IRA is an individual retirement account that expands your investment flexibility beyond traditional brokerage offerings. Instead of being limited to stocks and mutual funds, you can invest in alternative assets such as real estate, private equity, private lending, and other non-traditional opportunities. The tax advantages remain the same as any IRA. Traditional accounts offer tax-deferred growth, while Roth accounts provide the potential for tax-free distributions.

A Solo 401(k) is designed for self-employed individuals and small business owners with no full-time employees other than a spouse. This structure allows significantly higher annual contributions than an IRA because you contribute both as an employee and as an employer. A self-directed Solo 401(k) also provides flexibility to invest in alternative assets while maintaining traditional 401(k) benefits such as Roth contributions and participant loans.

A ROBS plan, which stands for Rollover as Business Startup, is a specialized structure that uses a qualified 401(k) and a C corporation to allow retirement funds to be invested directly into a business. Unlike a Self-Directed IRA, which is typically used for passive investments, a ROBS strategy allows you to actively operate a company funded by retirement capital without triggering a taxable distribution when implemented correctly.

Although these structures serve different purposes, they share one important principle. Moving money into them is generally intended to be tax-free when handled through proper IRS-approved methods.

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Contribution Options for 2026

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Contributions are often the simplest way to begin building a self-directed retirement account.

For 2026, the annual IRA contribution limit is $7,500, with an additional $1,100 catch-up contribution available for individuals age 50 or older ($8,600 total). These limits apply collectively across Traditional and Roth IRAs.

Traditional IRA contributions may be tax-deductible depending on income and workplace retirement plan participation. Roth IRA contributions are subject to income eligibility rules but offer the benefit of tax-free growth. Even if a deduction is not available, contributions still allow you to build retirement capital inside a tax-advantaged environment.

The Solo 401(k) offers significantly higher contribution potential. For 2026, employee salary deferrals can reach $24,500, increasing to $32,500 for individuals age 50 or older and up to $35,750 for participants between ages 60 and 63 due to enhanced catch-up provisions. Employer profit-sharing contributions may reach approximately 20% of net self-employment income or 25% of W-2 wages, depending on business structure.

Combined contributions can reach up to $72,000 for those under age 50, $80,000 for those over age 50, and approximately $83,250 for participants aged 60 to 63, depending on income levels.

ROBS plans also involve a 401(k), so the contribution rules mirror those of a traditional Solo 401(k). However, contributions based on compensation from the new C corporation are typically not the primary funding source at the beginning stages of a ROBS structure. Instead, rollovers from existing retirement accounts are usually the most practical way to fund the plan initially.

IRA-to-IRA Transfers: A Tax-Free Way to Move Funds

One of the most common ways investors fund an IRA Financial account is through a direct IRA transfer. This process moves assets from one IRA custodian to another without the funds ever passing through your hands. Because the transfer occurs directly between institutions, it's generally non-taxable and not considered a distribution.

Indirect transfers are also possible, but they come with stricter rules. If funds are distributed to you personally, they must be redeposited into another IRA within 60 days to maintain tax-free status. In addition, the IRS limits individuals to one indirect rollover every 12 months across all IRAs. For these reasons, direct transfers are usually the preferred and safest method.

Tax-Free Rollovers: Moving Retirement Funds into a 401(k)

Another common funding strategy involves rolling funds from an IRA or a former employer plan into a Solo 401(k) or ROBS structure. When executed properly, a rollover allows retirement assets to move between qualified plans without taxes or penalties.

Direct rollovers, where funds move between custodians, eliminate many of the risks associated with timing and withholding requirements. Indirect rollovers remain an option, but they are subject to the same 60-day redeposit rule and once-per-12-month limitation that applies to IRA rollovers.

It's also important to understand the asset types involved. Pre-tax IRA assets can often be rolled into a 401(k). Roth IRA funds, however, cannot be rolled into a 401(k) plan under current IRS rules. Roth 401(k) assets may generally be rolled into the Roth component of another qualified plan.

How Easy It Is to Fund an IRA Financial Account

There is a common misconception that self-directed retirement accounts are complicated to fund or manage. In reality, the process can be straightforward when it's handled correctly.

IRA Financial has built a modern onboarding experience that simplifies each step. Clients can initiate contributions, transfers, or rollovers through the IRA Financial website or mobile app. The process is clearly outlined and easy to follow. You can upload documents, monitor progress, and manage funding requests all in one place.

More importantly, the IRA Financial team provides hands-on assistance throughout the process. We help prepare paperwork, communicate with outgoing custodians, and ensure that transfers and rollovers are structured properly so they remain tax-free whenever possible. That combination of technology and direct support makes funding a Self-Directed IRA, Solo 401(k), or ROBS plan far simpler than many investors expect.

Why Choose IRA Financial?

Choosing the right provider makes a significant difference when you are moving retirement funds.

IRA Financial was founded by Adam Bergman, Esq., a tax attorney and recognized leader in the self-directed retirement industry who has written extensively on Self-Directed IRAs, Solo 401(k) plans, and ROBS strategies. That legal and technical foundation shapes IRA Financial’s approach to compliance, innovation, and client education.

Beyond expertise, IRA Financial offers a level of service that goes well beyond account setup. Clients receive onboarding assistance, guidance with contributions and rollovers, and ongoing investment support. We also provide comprehensive annual tax consulting, reporting, and filing services related to self-directed retirement investments, which is a feature rarely matched by traditional custodians.

By combining advanced technology with deep regulatory knowledge, IRA Financial helps clients move money confidently while maintaining compliance with IRS rules.

Final Thoughts

Moving your retirement funds to IRA Financial tax-free means strategically reallocating those assets into a structure designed to offer greater flexibility, increased contribution limits, and access to a broader range of investment opportunities, all while preserving their tax-advantaged status.

Whether you choose a Self-Directed IRA, Solo 401(k), or ROBS plan, the key is understanding how contributions, transfers, and rollovers work together to preserve the tax advantages of your retirement funds.

When executed properly, these funding strategies allow investors and entrepreneurs to unlock new opportunities without triggering unnecessary taxes or penalties. With the right structure and the right partner, moving your retirement money can be one of the most strategic decisions you make for long-term financial growth.

by Adam Bergman

How Do I Move Money to an IRA Financial Self-Directed IRA?

A Complete Guide to Contributions, Transfers, and Rollovers

For many investors, the decision to open a Self-Directed IRA comes down to one thing: control. You want broader diversification. You want the ability to invest retirement capital beyond the traditional Wall Street model.

But after the account is open, I often hear one common question: How do I actually move my money to a Self-Directed IRA at IRA Financial?

The good news is this. Most funding strategies, whether contributions, transfers, or rollovers, are designed to be tax-free when handled properly. Moving retirement funds does not mean triggering a taxable event or losing the powerful tax advantages that make these accounts so effective. Instead, it's about repositioning existing retirement capital into a more flexible structure that lets you build a diversified portfolio aligned with what you know and trust.

Let’s walk through why investors choose a Self-Directed IRA, the most common ways to fund one in 2026, and how IRA Financial ensures every step of the process is smooth, compliant, and efficient.

Why Open a Self-Directed IRA?

A Self-Directed IRA gives you the same tax advantages as a traditional retirement account, but with significantly expanded investment flexibility. While many brokerage IRAs limit you to stocks, ETFs, and mutual funds, a Self-Directed IRA allows you to invest in a much wider range of assets, including real estate, private placements, precious metals, crypto, and other alternatives.

From a tax perspective, the benefits remain extremely compelling. Traditional IRAs may offer tax-deductible contributions and tax-deferred growth, which allows investments to compound without annual taxation. Roth IRAs, on the other hand, provide the potential for tax-free growth and tax-free qualified distributions. That can be especially powerful when alternative investments generate meaningful appreciation over time.

Diversification is another major reason investors move toward self-direction. Relying solely on public markets can leave a portfolio exposed to volatility or concentration risk. A Self-Directed IRA makes it possible to allocate retirement capital across asset classes, income strategies, and real-world investments that may behave differently than equities when markets shift. In addition, alternative assets such as real estate or commodities are often viewed as potential hedges against inflation, adding another layer of protection during periods of rising prices.

Perhaps most importantly, a Self-Directed IRA allows you to invest in what you understand. The IRS permits IRAs to invest in nearly any asset, with only a few prohibited categories such as collectibles and life insurance. While prohibited transaction rules must always be respected, the level of flexibility available inside a Self-Directed IRA is far greater than most investors realize.

The Most Popular Ways to Fund a Self-Directed IRA

Once your account is established, funding it's the next step. In practice, most IRA Financial clients use a combination of annual contributions, tax-free transfers between IRAs, and rollovers from employer retirement plans such as 401(k)s. Each method serves a different purpose, and they can absolutely be used together as part of a broader retirement strategy.

Funding Through Contributions

Annual contributions are one of the most straightforward ways to build a Self-Directed IRA over time. For 2026, the IRA contribution limit's $7,500, with an additional $1,100 catch-up contribution permitted for individuals age 50 or older. These limits apply collectively across Traditional and Roth IRAs.

Traditional IRA contributions may be tax-deductible depending on income and whether you participate in a workplace retirement plan such as a 401(k). For example, single filers covered by a plan at work receive a full deduction up to $81,000 of modified adjusted gross income, with a phase-out between $81,000 and $91,000. Married couples filing jointly receive a full deduction up to $129,000, with a gradual phase-out ending at $149,000. Even when the deduction phases out, the contribution itself is still permitted. That means you can continue building tax-advantaged retirement capital.

Roth IRA contributions follow a different set of income-based eligibility rules. For 2026, single filers generally qualify for a full Roth contribution up to $150,000 of income, with a phase-out range extending to $165,000. Married couples filing jointly may contribute fully up to $236,000, with eligibility gradually phasing out at higher income levels. High-income investors who exceed Roth limits often use the Backdoor Roth strategy, which involves making a non-deductible Traditional IRA contribution and then converting the funds to a Roth IRA.

For self-employed individuals and business owners, SEP IRAs and SIMPLE IRAs offer significantly higher contribution potential. In 2026, a SEP IRA allows employer contributions of up to $72,000, making it one of the most powerful vehicles available for accelerating retirement savings. SIMPLE IRAs permit employee deferrals of up to $17,000, along with a $4,000 catch-up contribution for those age 50 and older, plus required employer contributions. These structures can be paired with self-direction to dramatically increase the amount of capital available for alternative investments inside a retirement account.

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Tax-Free IRA-to-IRA Transfers

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One of the most common ways to move funds to IRA Financial is through a direct IRA transfer. A transfer simply moves assets between IRAs of the same type. For example, a Traditional IRA at another custodian can be transferred into a Traditional Self-Directed IRA.

Because the funds move directly between custodians, transfers are typically non-reportable and do not trigger taxes or penalties. This approach avoids many of the risks associated with indirect rollovers, where funds are distributed to you personally.

If you do receive the funds personally, the IRS imposes a strict 60-day rule. You must redeposit the funds within that time frame to preserve tax-free treatment. In addition, only one indirect rollover is permitted every 12 months across all IRAs. For these reasons, most investors choose direct transfers coordinated by IRA Financial. It eliminates timing risks and simplifies the process.

Tax-Free Rollovers from a 401(k)

A large portion of retirement savings in the United States sits inside employer-sponsored plans such as 401(k)s. When a triggering event occurs, such as leaving an employer, retiring, or reaching age 59½ if the plan permits an in-service rollover, those funds can generally be rolled into a Self-Directed IRA.

A properly structured direct rollover allows retirement dollars to move from a 401(k) into an IRA Financial account without taxes or penalties. Investors often use this strategy when they want to expand beyond the limited investment menu offered by employer plans. Once the rollover is complete, the funds retain their tax-advantaged status while gaining access to a much broader range of investment opportunities.

Moving Assets to IRA Financial, Tax-Free When Done Correctly

One concept that often gets overlooked is that most funding strategies are intentionally designed to be tax-neutral. Contributions follow annual IRS limits. Transfers and rollovers allow existing retirement assets to be repositioned without creating a taxable event.

If you currently hold stocks, ETFs, or mutual funds at another IRA custodian, those assets can typically be sold within the IRA itself. Because the sale occurs inside a retirement account, no capital gains taxes are triggered. The resulting cash balance can then be transferred to IRA Financial to pursue new investment opportunities.

Investors who already hold alternative assets at another Self-Directed IRA custodian often have the option to move those investments in-kind. Real estate, private stock, LLC membership interests, and certain fund investments may be transferred directly without liquidation. This preserves the investment structure while transitioning to IRA Financial’s platform.

How Easy It Is to Move Money with IRA Financial

One of the biggest misconceptions about Self-Directed IRAs is that they are complicated to fund or difficult to manage. In reality, we have built a modern, streamlined process designed to make moving retirement dollars simple, intuitive, and efficient, whether you are making a new contribution, transferring an existing IRA, or rolling over a former employer plan.

Clients can initiate funding directly through the IRA Financial website or mobile app. Both are designed to provide a clear, step-by-step experience. You can request transfers, upload documents, track progress, and manage your account in one place without dealing with outdated paperwork or confusing processes. Instead of relying on slow, manual workflows that are common in this industry, we combine technology with hands-on support so you always know where your funding request stands.

For investors making annual contributions, the process is straightforward and fast. Contributions can be initiated digitally, and our team is available to help ensure that contribution limits, deadlines, and account types are structured properly. Whether you are funding a Traditional IRA, Roth IRA, SEP IRA, or SIMPLE IRA, we guide you so everything is completed accurately and efficiently.

Transfers and rollovers are equally simple. Many clients are surprised to learn they do not need to coordinate directly with their current custodian. Our onboarding specialists handle much of the heavy lifting by preparing transfer and rollover paperwork, communicating with outgoing custodians, and tracking the movement of funds from start to finish. This white-glove approach removes friction and significantly reduces the risk of errors that could otherwise delay funding.

Technology plays a major role in creating a seamless experience, but what truly sets IRA Financial apart is the team behind it. You have access to knowledgeable professionals who understand both the operational and compliance sides of self-directed investing. Whether you are moving cash, securities, or alternative assets in-kind, we work closely with you to ensure the transition is smooth and that your retirement dollars are positioned quickly so you can focus on investing.

Ultimately, funding a Self-Directed IRA should feel empowering, not overwhelming. By combining an easy-to-use digital platform with a highly experienced support team, we have created a process that allows you to move money with confidence, clarity, and speed.

The IRA Financial Advantage

What truly differentiates IRA Financial is the level of support provided throughout the funding and investment process. You are not left to navigate contributions, transfers, and rollovers on your own. Our team assists with documentation, coordination with outgoing custodians, and ongoing communication to ensure every transaction is completed efficiently and in compliance with IRS rules.

Beyond onboarding, IRA Financial offers an integrated platform that combines access to traditional securities with alternative investments. That gives you the ability to manage your entire retirement portfolio in one place. Perhaps most uniquely, IRA Financial provides comprehensive annual tax consulting, reporting, and filing support related to Self-Directed IRA investments. This includes guidance on compliance obligations, reporting requirements, and potential tax issues such as UBIT, which is rarely offered by traditional custodians.

Final Thoughts

Moving money to an IRA Financial Self-Directed IRA is not about abandoning what you have already built. It's about upgrading and enhancing your existing retirement strategy in a way that is simple, efficient, and tax-free when done properly. Whether you are making a new contribution, completing an IRA-to-IRA transfer, or rolling over funds from a former employer’s 401(k), we handle the heavy lifting for you.

Our team prepares the paperwork, coordinates directly with outgoing custodians or plan administrators, and guides you through each step so the process feels seamless rather than overwhelming. In most cases, the movement of funds is structured as a tax-free transaction, allowing you to reposition your retirement dollars without triggering taxes or penalties.

The experience is designed to be easy from start to finish. Through our website and mobile app, you can initiate funding requests, track progress, and manage your account in one place, while still having access to knowledgeable professionals who ensure everything is completed accurately and efficiently. Instead of navigating complicated forms or worrying about deadlines and IRS rules, you have a team working behind the scenes to make sure your account is funded quickly so you can focus on investing.

By combining the power of tax-advantaged retirement accounts with the expanded investment flexibility of a Self-Directed IRA, and pairing that with IRA Financial’s hands-on support, onboarding expertise, and ongoing tax and compliance guidance, you can turn what is often seen as a complex process into a smooth transition toward a more diversified, forward-thinking wealth-building strategy.

by Adam Bergman

Can I Have a 401(k) and a SDIRA at the Same Time?

One of the most common questions I hear is whether you can have both a 401(k) and a Self-Directed IRA. The answer is simple.

Yes. You can have both at the same time.

Not only is this permitted under the Internal Revenue Code, but it is also a strategy many experienced investors use to maximize tax advantages, increase diversification, and accelerate long-term wealth accumulation.

There is no rule in the tax code that limits you to one retirement account. You are not forced to choose between a 401(k) and an IRA. You can maintain multiple IRAs, a 401(k), and even additional retirement vehicles simultaneously. The only limits involve annual contribution caps and certain income-based deduction rules.

There is no restriction on the number of IRAs you can own. There is also no cap on how large your retirement accounts can grow. The IRS limits how much new money you contribute each year. It does not limit how much your accounts can grow through compounding and investment performance.

That distinction matters. Retirement planning is not about picking one account type. It is about layering different account structures to create tax efficiency, diversification, and long-term flexibility.

Two Types of 401(k): Which One Do You Have?

Before going further, it is worth clarifying that not all 401(k) plans are the same. There are two primary types, and the differences matter when you are thinking about pairing a 401(k) with a Self-Directed IRA.

The standard ERISA 401(k) is the plan most employees encounter. Your employer sponsors it, ERISA governs it, and it typically comes with a menu of mutual funds, index funds, and target-date funds selected by the plan provider. Contributions come out of your paycheck, many employers offer a match, and a third-party administrator runs the plan. You generally do not get much say in what you can invest in.

The Solo 401(k), also called an Individual 401(k) or Self-Employed 401(k), is built for self-employed individuals and small business owners with no full-time employees other than themselves and a spouse. Because there is no employer plan administrator limiting your options, a Solo 401(k) can be structured to allow a much broader range of investments, including real estate, private equity, private lending, and other alternatives. That makes it a uniquely powerful complement to a Self-Directed IRA for anyone working for themselves.

Both types can be paired with a Self-Directed IRA. But the Solo 401(k) deserves special attention because of its flexibility, high contribution limits, and natural fit with alternative investing strategies.

The Advantages of Having Both a 401(k) and an IRA

When you combine a 401(k) with an IRA, especially a Self-Directed IRA, you expand your ability to build wealth in a tax-advantaged way.

The first benefit is increased contribution capacity. A 401(k) of either type allows significantly higher annual contributions than an IRA. By contributing to both, you put more tax-advantaged capital to work each year. Over decades, that gap compounds into hundreds of thousands or even millions of additional dollars.

The second benefit is broader investment options. A standard employer 401(k) limits you to whatever funds the plan provider has selected. A Solo 401(k) can be structured for alternatives, but it still operates as its own separate vehicle. A Self-Directed IRA opens the door even wider, covering real estate, private equity, venture capital, private lending, cryptocurrency, precious metals, and more. Pairing either type of 401(k) with a Self-Directed IRA creates a more diversified and resilient portfolio across both traditional and alternative assets.

The third benefit is tax diversification. A traditional 401(k) gives you a tax deduction today and defers taxes until distribution. A Roth IRA gives you tax-free growth and tax-free distributions if you meet the conditions. Holding both gives you flexibility in retirement to manage your taxable income year by year.

Finally, both account types offer meaningful asset protection. ERISA 401(k)s carry unlimited federal creditor protection. Solo 401(k)s receive strong protection in many states. IRAs are protected under federal bankruptcy law and a range of state statutes. Maintaining both accounts strengthens your overall financial position.

The Solo 401(k) Advantage for Self-Employed Investors

For self-employed individuals and small business owners, the Solo 401(k) offers advantages that make it exceptionally powerful, and an ideal companion to a Self-Directed IRA.

  • Who qualifies: To open a Solo 401(k), you need self-employment income and no full-time employees other than yourself and a spouse. That includes sole proprietors, independent contractors, single-member LLC owners, and certain partnerships.
  • Higher contribution capacity: A Solo 401(k) lets you contribute as both the employee and the employer. For 2026, you can defer up to $24,500 as the employee, then make a profit-sharing contribution as the employer of up to 25% of net self-employment income. The combined limit can reach $72,000, or $83,250 for those between ages 60 and 63. A high-earning self-employed person can shelter significantly more income each year than most W-2 employees.
  • Investment flexibility: Unlike a standard ERISA 401(k), a properly structured Solo 401(k) can hold real estate, private loans, precious metals, cryptocurrency, and other alternative assets, similar to a Self-Directed IRA. This makes the two accounts complementary rather than redundant. Each can hold different assets, operate independently, and serve a distinct role in your overall portfolio.
  • Roth option: Many Solo 401(k) plans allow Roth contributions, giving self-employed investors the ability to build tax-free retirement wealth at the 401(k) contribution level, without the income restrictions that apply to direct Roth IRA contributions.

When you combine a Solo 401(k) with a Self-Directed IRA, you are stacking two alternative-investment-friendly vehicles with separate contribution limits, separate asset pools, and complementary tax treatments.

2026 Contribution Limits: 401(k) and IRAs

For 2026, the contribution limits for 401(k) plans and IRAs are separate.

For a standard ERISA 401(k), you can defer up to $24,500 as an employee. If you are 50 or older, you can add an $8,000 catch-up contribution, bringing your total to $32,500. Those between ages 60 and 63 can contribute up to $35,750.

For a Solo 401(k), the same employee deferral limits apply. The difference is that you act as both the employer and the employee. With employer contributions included, the combined limit reaches $72,000, $80,000 for those over 50, and $83,250 for individuals between ages 60 and 63.

The annual IRA contribution limit for 2026 is $7,500, with an additional $1,100 catch-up for those 50 or older, for a total of $8,600. These limits are completely separate from your 401(k) limits. Maxing out your 401(k) does not reduce what you can put into your IRA.

One important note: the IRA limit applies across all of your IRAs combined. You cannot contribute $7,500 to a Traditional IRA and another $7,500 to a Roth IRA in the same year. The limit is aggregate.

Most Americans Have Both

Many people assume having both a 401(k) and an IRA is unusual or somehow restricted. It is not. Millions of Americans maintain both. You might have a 401(k) with your current employer, a rollover IRA from a previous job, and a Roth IRA for additional tax-free growth. Self-employed individuals may hold a Solo 401(k) and one or more IRAs at the same time.

There is no penalty for owning multiple retirement accounts. The IRS does not limit how many accounts you can have. The only real complexity is whether your Traditional IRA contribution is deductible.

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The Deductibility Limitation for Traditional IRAs

If you participate in a workplace retirement plan, including a Solo 401(k), your ability to deduct a Traditional IRA contribution depends on your modified adjusted gross income, or MAGI. Solo 401(k) participants are generally treated as active participants for IRA deductibility purposes if they make contributions during the year.

For 2026, single filers covered by a workplace plan receive a full deduction up to $81,000 of MAGI, a partial deduction between $81,000 and $91,000, and no deduction at $91,000 or above. Married couples filing jointly receive a full deduction up to $129,000, a partial deduction between $129,000 and $149,000, and none at $149,000 or higher.

If neither spouse has a workplace plan, different and more favorable rules apply. A spouse without coverage who is married to someone with a plan can take a full deduction up to $242,000 of MAGI, with the phase-out ending at $252,000.

Having a 401(k) does not prevent you from contributing to a Traditional IRA. It may reduce or eliminate the deduction depending on your income. Even if your income exceeds the thresholds, you can still contribute on a non-deductible basis. The funds grow tax-deferred, and you simply do not get the upfront deduction.

Roth IRA Income Limits and the Backdoor Strategy

Roth IRAs have income limits for direct contributions. For 2026, single filers can make a full contribution if their MAGI is below approximately $153,000, with the phase-out ending at $168,000. Married couples filing jointly can contribute fully below approximately $230,000, with the phase-out running between $242,000 and $252,000.

If your income exceeds those thresholds, you cannot contribute directly to a Roth IRA. But since 2010 there has been no income limit on Roth conversions. That is what created the Backdoor Roth IRA strategy. You contribute to a Traditional IRA on a non-deductible basis and then convert the funds to a Roth IRA. If you have other pre-tax IRA balances, you need to factor in the pro-rata rule. Even so, this has become a common planning tool for high earners who also maximize their 401(k) contributions, whether through an employer plan or a Solo 401(k).

A 20-Year Growth Example

Assume you contribute $20,000 per year to a 401(k) and $7,000 per year to a Roth IRA, earning a 9% annual return over 20 years.Total contributions over that period would equal $540,000.
At a 9% return, the 401(k) would grow to approximately $1,022,000. The Roth IRA would grow to approximately $357,000. Combined, you would have roughly $1,379,000.

More than $800,000 of that represents growth, not contributions. That is what consistent investing and long-term compounding inside tax-advantaged accounts can do. For a self-employed investor using a Solo 401(k) with higher annual contributions, the compounding effect is even more significant.

The Importance of Employer Matching Contributions

For employees in a standard ERISA 401(k), employer matching is one of the best reasons to contribute. A 4% match on a $150,000 salary equals $6,000 in free money each year. Over 20 years at a 9% return, that match alone could grow to more than $300,000. Not contributing enough to capture the full match means leaving a guaranteed return on the table.

For Solo 401(k) participants, there is no separate employer match in the traditional sense. But the profit-sharing contribution serves a similar function. The ability to fund the account as both employee and employer effectively doubles the channels through which you can build retirement wealth.

Final Thoughts

You can have a 401(k), whether an employer-sponsored ERISA plan or a Solo 401(k), and a Self-Directed IRA at the same time. There is no prohibition in the tax code. In many cases, combining both is a hallmark of thoughtful retirement planning.

The only real limits are annual contribution caps and income-based deductibility rules. Roth income limits can usually be addressed through the Backdoor Roth strategy. There is no cap on how many IRAs you can own, and no limit on how large your accounts can grow.

If you maximize your 401(k), capture every dollar of available matching or profit-sharing contributions, and layer in a Self-Directed IRA, you build a far more powerful retirement structure than relying on any single account. You stack contribution limits, expand your investment universe, and create opportunities for tax-deferred or tax-free growth across multiple asset classes.

Retirement planning should not be passive. It should be intentional.

For investors seeking access to alternative assets within a retirement structure, IRA Financial brings deep experience. With more than 27,000 accounts and over $5 billion in assets under administration, we have spent more than 16 years focused exclusively on self-directed retirement strategies. We provide customized account setup, investment support, annual tax consultation, and tax reporting assistance tailored to alternative investments.

When it comes to combining a 401(k) with a Self-Directed IRA, structure matters. Experience matters.
When done correctly, having both accounts is not just allowed. It is often one of the smartest financial decisions you can make.

by Adam Bergman

Before You Buy Crypto in an IRA: The Key Decisions Most Investors Overlook

Before You Buy Crypto in an IRA: The Key Decisions Most Investors Overlook

Cryptocurrency has evolved from a niche experiment into a widely discussed emerging asset class. Institutional investors, family offices, and individual retirement savers are increasingly exploring digital assets not just as speculative trades, but as part of a broader long-term investment strategy.

Yet one of the most common mistakes investors make has nothing to do with which cryptocurrency they choose.

It starts earlier, with how and where that investment is structured.

Most investors focus on which coin to buy or which exchange to use. Far fewer step back and ask a more important question: what is the most efficient way to hold crypto from a tax and long-term portfolio perspective?

For many, that answer may involve a retirement account, particularly a Self-Directed IRA. But before opening an account or selecting a provider, there are several key decisions that can have a far greater impact on long-term outcomes than the investment itself.

Why the Structure Matters More Than Most Investors Realize

In a taxable account, cryptocurrency transactions are generally treated as taxable events. Selling Bitcoin, rebalancing into Ethereum, or even swapping between tokens can trigger capital gains taxes.

In a volatile asset class like crypto, that can create a constant layer of tax friction. Active investors may find themselves generating taxable gains even when they are simply adjusting positions.

By contrast, holding crypto inside a retirement account changes the equation entirely. Depending on the type of account, gains can grow tax-deferred or potentially tax-free. Investors can rebalance or adjust their strategy without creating immediate tax consequences.

Over time, this difference can materially impact compounding.

But tax advantages alone are not enough. The real value comes from aligning the investment strategy, time horizon, and account structure before capital is deployed.

Why Traditional Brokerage Firms Still Limit Crypto Access

Despite growing interest, most traditional brokerage firms still do not offer direct cryptocurrency ownership inside retirement accounts.

This is largely due to infrastructure and regulatory considerations. Crypto custody requires secure key management, cold storage solutions, and blockchain-specific transaction processes that differ significantly from traditional securities.

In addition, many firms remain cautious due to evolving regulatory guidance. Rather than supporting direct ownership of digital assets, they often limit investors to indirect exposure through exchange-traded products.

As a result, investors seeking direct crypto exposure in a retirement account typically need to look beyond conventional brokerage models.

But before choosing any provider or structure, it is critical to take a step back and evaluate the decisions that come first.

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Key Decisions to Make Before Investing in Crypto in an IRA

1. Tax Strategy Should Drive the Decision, Not the Asset

One of the most overlooked questions is whether a Traditional or Roth structure makes more sense.

If an investor expects significant long-term appreciation in crypto, a Roth structure may offer substantial benefits, allowing gains to be realized tax-free in retirement. On the other hand, a Traditional account may be more appropriate depending on current income levels and future tax expectations.

The key point is this:
the tax treatment of the account can matter more than the performance of the asset itself.

2. Time Horizon and Liquidity Expectations

Retirement accounts are designed for long-term investing. Crypto, while offering growth potential, is also highly volatile.

Investors should be clear about their time horizon and comfort with limited access to funds. Using retirement capital for assets that may experience significant short-term swings requires discipline and a long-term mindset.

Without that alignment, even strong investments can lead to poor outcomes due to timing decisions.

3. Trading Behavior vs Long-Term Strategy

In taxable accounts, frequent trading can create ongoing tax consequences. Inside a retirement account, that pressure is reduced.

However, that does not necessarily mean more trading leads to better results.

Investors should define their approach in advance. Are they long-term holders focused on multi-year growth, or do they intend to actively trade market cycles? The structure of an IRA can support either approach, but clarity of strategy is essential before getting started.

4. Understanding the Long-Term Impact of Fees

Fees are often viewed as a secondary consideration, but over time they can have a meaningful impact on performance.

Many investors focus on transaction costs while overlooking how ongoing fees are structured. Some models increase costs as account values grow, while others remain consistent regardless of portfolio size.

For long-term investors, especially those expecting significant appreciation in digital assets, understanding how fees scale over time is a critical part of the decision-making process.

5. Defining the Role of Crypto Within the Portfolio

Crypto should not be evaluated in isolation. It should be considered in the context of a broader investment strategy.

For some investors, digital assets represent a small, high-growth allocation within a diversified portfolio. For others, they may play a more central role.

The key is to determine how crypto fits alongside other investments, whether that includes equities, real estate, private credit, or other alternatives. This decision influences not only allocation size, but also how the account should be structured over time.

Before You Choose a Custodian, Get the Structure Right

It is easy to focus on providers, features, or investment options. But those decisions come after the foundational strategy is in place.

The most effective investors start by defining:

  • The type of retirement account that aligns with their tax outlook
  • Their expected time horizon
  • Their approach to trading versus long-term holding
  • The role crypto will play within their overall portfolio

Only after those decisions are clear does it make sense to evaluate how to implement the strategy within a retirement account.

This approach helps avoid a common mistake: selecting a structure based on convenience rather than long-term alignment.

Read More: Choosing the Right Crypto IRA Custodian: A Practical Guide

Final Thoughts

Cryptocurrency continues to attract attention as a high-growth, emerging asset class. But the biggest mistake most investors make is not choosing the wrong digital asset.

It is placing the right asset in the wrong structure.

Sophisticated investors understand that long-term success is driven not just by what you invest in, but how that investment is positioned. Tax efficiency, cost structure, and portfolio alignment all play a role in shaping outcomes over time.

Before opening an account or selecting a provider, taking the time to define these variables can make a meaningful difference.

Crypto may be the starting point, but for many investors, it becomes part of a broader strategy that evolves over time. Approaching that decision with a clear framework can help ensure that growth is not limited by avoidable friction, whether from taxes, fees, or misaligned expectations.

by Adam Bergman

Property Managers and Self-Directed IRAs

Investing in real estate through a Self-Directed IRA gives investors the ability to move beyond traditional Wall Street assets and truly diversify their retirement savings. But it is important to note that when you own investment property inside a retirement account, you are stepping into a different rulebook. There are operational and compliance considerations that simply do not exist when you buy real estate personally.

One of the biggest decisions a real estate investor will face is whether to work with a property manager, and if so, how that relationship needs to be structured to stay compliant with IRS rules.

In my experience, professional property managers can do more than just collect rent. They can help protect both the investment and the tax-advantaged status of the IRA. From handling tenant issues to coordinating maintenance and making sure payments are directed properly, a property manager often serves as an important buffer between you and the day-to-day activities of the property. Understanding how property management fits into the Self-Directed IRA framework is critical if you want to avoid costly mistakes and keep your strategy aligned with IRS requirements.

Understanding the Real Estate Self-Directed IRA

When you use a Self-Directed IRA to invest in real estate, the most important concept to understand is ownership. You control the investment decisions, but the IRA owns the property. That distinction impacts everything, including how income is received and how expenses are paid.

Every Self-Directed IRA must be administered by a custodian that allows alternative assets such as real estate. Many investors choose a Self-Directed IRA LLC structure, often referred to as checkbook control. In this structure, the IRA owns an LLC that directly makes investments. It can streamline transactions and provide flexibility when managing real estate assets.

Funding a Real Estate Self-Directed IRA typically comes from rollovers of existing retirement accounts, transfers between custodians, or new annual contributions. Once funded, the IRA can acquire real estate and take advantage of tax-deferred or tax-free growth, depending on whether the account is traditional or Roth.

What Property Managers Need to Know About IRA-Owned Real Estate

Working with a property manager is not just about convenience. In many cases, it is a compliance safeguard. Because you are prohibited from personally providing services to your IRA investment, having a qualified third-party manager helps maintain the required separation between you and the asset.

The IRA Is the Owner

The first thing any property manager must understand is that the IRA owns the property. All income generated by the investment, including rent and sale proceeds, must go directly back into the IRA. You cannot personally receive rental income, even temporarily, without risking a prohibited transaction.

That means clear communication with tenants, vendors, and the property management firm is essential so payments are directed to the correct IRA account.

All Expenses Must Be Paid by the IRA

Just as income must flow back into the IRA, all property-related expenses must be paid exclusively with IRA funds. Insurance, repairs, maintenance, and property management fees must be paid from the IRA or the IRA-owned LLC.

Mixing personal funds with IRA funds, even with good intentions, can create serious compliance problems. I always tell investors to maintain sufficient liquidity inside the IRA so unexpected expenses do not create pressure to pay out of pocket.

Understanding the Prohibited Transaction Rules

The IRS has strict prohibited transaction rules designed to prevent self-dealing or personal benefit from IRA investments. These rules prohibit transactions between the IRA and certain disqualified persons, including the IRA owner and close family members such as parents, children, and spouses.

Because of this, property managers must be independent third parties. Hiring a close relative or personally performing services such as repairs or tenant management can jeopardize the tax-advantaged status of the IRA.

Examples of prohibited transactions include personally managing the property in a service capacity, vacationing in an IRA-owned rental, or renting the property to certain family members. On the other hand, hiring unrelated third parties to provide services at fair market value is generally permissible and often encouraged.

Maintaining an arm’s-length relationship with the property manager helps show that you are acting solely as an investor, not as a service provider.

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Can an IRA Owner Act as Their Own Property Manager?

This is one of the most common questions I get. Do you have to hire a third-party property manager, or can you manage the property yourself?

The answer is nuanced. The IRS does not explicitly require a third-party manager. In certain situations, an IRA owner may perform limited passive oversight without violating the prohibited transaction rules.

You can generally take actions that are considered investment decisions rather than services. Reviewing financial reports, approving leases, selecting tenants, monitoring performance, or hiring independent contractors for repairs are typically viewed as passive owner activities. Collecting rent that goes directly into the IRA or IRA-owned LLC account and coordinating payments to third-party vendors does not automatically create a prohibited transaction if you are not personally performing compensated services.

However, the line between passive oversight and active management can blur quickly. Personally performing repairs, marketing the property as a business operator, negotiating contracts in a service capacity, or spending significant time managing tenants could be viewed as providing services to the IRA. The prohibited transaction rules under IRC Section 4975 are broad and highly fact-specific, which is why many investors choose to work with an independent property manager to reduce ambiguity.

Even if it may be legally permissible in certain cases to act as a passive manager, using a third-party property manager is often the more conservative and safer approach. A professional manager creates a clear separation between you and daily operations. For investors with multiple properties or more complex portfolios, that added layer of protection can make a real difference.

Final Thoughts

Real estate inside a Self-Directed IRA offers powerful tax advantages and access to alternative assets. But those benefits only remain intact if you follow the rules carefully.

Property managers can play a key role in keeping income and expenses flowing properly through the IRA and maintaining an arm’s-length structure. If you are serious about combining real estate ownership with retirement planning, understanding the role of a property manager is not optional. It is essential to building a compliant and successful strategy.

by Adam Bergman

Top Notes Investing Platforms in 2026

Notes investing, including promissory notes, private credit, short-term debt, and structured notes, is one of the fastest-growing areas of alternative investing. These investments can offer attractive yields and provide diversification away from traditional stocks and bonds. Essentially, notes involve lending capital in exchange for regular interest payments and the return of principal at maturity. They carry different risk and liquidity profiles compared to publicly traded securities. When done thoughtfully, note investing can deliver compelling total returns and add balance to a portfolio.

This list highlights five top platforms where investors, particularly those with Self-Directed IRAs, can access high-quality note and alternative debt opportunities. These platforms are evaluated based on fees, reputation, offerings, performance, and investor requirements.

1. Willow Wealth (formerly Yieldstreet)

Best for: Broad alternative exposure, including short-term notes and private credit

Willow Wealth allows accredited and certain non-accredited investors to explore a wide range of alternative investments, including real estate, private credit, legal finance, and structured notes. While many offerings are available only to accredited investors, the Alternative Income Fund provides access to a broader investor base. Investors receive interest over defined terms through diversified credit-backed investments.

Why it stands out: Offers a broad selection of assets and liquidity options in certain offerings
Considerations: Many deals have higher minimums and varying levels of risk

2. Percent

Best for: Private credit and blended note portfolios

Percent specializes in private credit deals, such as small business loans, consumer loans, and trade receivables. It offers both individual note investments and Blended Notes, which are diversified portfolios of loans that spread risk. Fees are typically a percentage of yield rather than high fixed management fees.

Why it stands out: A note-focused platform with flexible investment structures
Considerations: Available only to accredited investors; strong due diligence is important

3. EquityMultiple

Best for: Real estate debt and short-term real estate notes

EquityMultiple is a real estate crowdfunding platform offering short-term note-like investments tied to commercial real estate financing, usually ranging from three to nine months. Accredited investors can also access senior debt and income funds for reliable interest cash flow.

Why it stands out: Focused on real estate credit and short-term notes
Considerations: Accredited investors only; exposure limited to real estate

4. iCapital

Best for: Institutional-grade alternative debt and structured note access

iCapital is a scalable alternative investment marketplace used by financial advisors and high-net-worth investors. It offers private credit, real assets, structured note products, and other non-traditional debt strategies, while streamlining subscription and reporting processes.

Why it stands out: Institutional infrastructure with broad access to note and debt products
Considerations: Typically geared toward advisors and high-net-worth clients

5. Structured Note Products (via Crestvale Assets and Banks)

Best for: Customized yield strategies tied to market performance

Structured notes are hybrid debt securities with returns linked to underlying indices or assets. Platforms like Crestvale Assets and many major banks offer structured note products with defined terms and potential downside protection. Unlike straightforward promissory notes, structured notes can target income, growth, or hedged strategies.

Why it stands out: Tailored payoffs with potential principal protection
Considerations: Complex and may have limited secondary market liquidity

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What Note Investing Really Is

Notes are essentially debt obligations, meaning the borrower promises to repay principal plus interest at maturity. They come in several forms:

  • Promissory notes: Private loan agreements often used in real estate or private lending.
  • Short-term notes: Notes with defined short durations, commonly used for working capital or credit funds.
  • Structured notes: Market-linked debt instruments with tailored risk and return profiles.

Note investments can generate steady income and diversify a portfolio because they behave differently than stocks and bonds.

Why This Alternative Asset Class Matters

  • Diversification and income: Notes can add uncorrelated yield to a portfolio, often performing differently than equities or bonds.
  • Potential for enhanced returns: Certain private credit and real estate notes have historically offered high single-digit to double-digit interest rates.
  • Role in retirement portfolios: Notes inside a retirement account can compound tax-deferred in a Traditional IRA or tax-free in a Roth IRA. Even modest yields can grow meaningfully over time.

Who Should Consider Note Investing

Best suited for:

  • Investors with a medium- to long-term horizon
  • Those seeking income and portfolio diversification
  • Accredited investors (for many platforms)
  • Experienced investors who conduct proper due diligence

Not ideal for:

  • Investors needing high liquidity
  • Beginners without professional guidance
  • Individuals uncomfortable with private asset risk

Risks and Considerations

  • Illiquidity: Many note investments have fixed durations and limited secondary markets.
  • Default risk: Borrowers may fail to pay interest or principal.
  • Platform risk: Alternative platforms vary in fees, transparency, and deal quality, so due diligence is essential.
  • Self-Directed IRA rules: The IRS imposes strict guidelines. Prohibited transactions can trigger penalties, so professional guidance is recommended.

Why Use a Self-Directed IRA for Notes

A Self-Directed IRA allows you to hold non-traditional assets, including notes, within your retirement account. This provides:

  • Tax-advantaged growth, either deferred or tax-free
  • Access to alternative assets not available through traditional brokerage IRAs
  • Greater portfolio control and diversification

Self-Directed IRAs require careful compliance with IRS rules and thoughtful investment selection.

At IRA Financial, you can invest in alternative assets like notes within a Self-Directed Traditional, Roth, SEP, or Solo 401(k). Whether you are buying a short-term mortgage note, private credit obligation, or other debt instrument, your IRA funds can work tax advantaged. IRA Financial provides administrative support and compliance guidance to help you safely manage these alternative investments.

This article is provided for informational purposes only and does not constitute investment, tax, or legal advice. Any rankings, ratings, or opinions expressed reflect the views of IRA Financial based on internal research, listed criteria, and publicly available data at the time of publication. Rankings are subjective and may not be suitable for all investors. Readers should independently evaluate all options and consult with qualified advisors prior to making financial decisions.

FAQ About Note Investing

Can I invest in notes inside an IRA?

Yes. A Self-Directed IRA allows you to hold promissory notes and other private debt investments tax-advantaged, as long as IRS rules are followed.

Are notes safer than stocks?

Not necessarily. Notes can be less volatile, but they carry credit and liquidity risk.

Do I need to be accredited?

Some platforms require accredited status, while others provide access to certain funds or notes for non-accredited investors.

by Adam Bergman

Top Alternative Investing Platforms in 2026 

Alternative investing has grown in popularity as investors look for ways to diversify beyond stocks and bonds. From private equity and real estate to crypto and collectibles, these assets can enhance returns and broaden portfolio exposure. They are especially powerful when included inside a tax-advantaged retirement account such as a Self-Directed IRA. 

In this listicle, we will cover top platforms for alternative investing, explain what alternative assets are, outline who they are best suited for, discuss risks and considerations, and show how IRA Financial can help you invest in these assets within a self-directed retirement account. 

What Are Alternative Investments and Why They Matter 

Alternative investments are non-traditional assets that typically do not trade on public exchanges. They include real estate, private credit, venture capital, hedge funds, precious metals, crypto, and more. These assets can behave differently from stocks and bonds, which may reduce portfolio volatility and improve long-term returns. 

Institutional investors have been allocating more capital to alternatives as public markets have become more limited and private markets have grown, which highlights their increasing relevance. 

Why this matters: Alternative investments provide exposure to growth opportunities, potential inflation hedges, and diversification benefits that traditional portfolios may lack. 

Top Alternative Investing Platforms 

1. Willow Wealth (formerly Yieldstreet) 

Willow Wealth is a leading alternative marketplace offering access to real estate, private credit, venture capital, art, legal finance, and more. The platform combines deep deal variety with accessibility for many investors. 

  • Highlights: Broad range of asset classes under one login 

  • Investor type: Accredited investors and select non-accredited offerings 

  • Considerations: Minimum investments and fees vary by deal 

2. Fundrise 

Fundrise focuses on real estate investments with low minimums, sometimes as little as $10. It allows everyday investors to access diversified property portfolios and venture-oriented funds. 

  • Highlights: Accessible real estate and private market investments 

  • Investor type: All investors, including non-accredited 

  • Considerations: Real estate investments usually require longer holding periods 

3. Linqto 

Linqto specializes in pre-IPO and private tech investments, offering exposure to fast-growing startups before they go public. 

  • Highlights: Access to private tech and startup opportunities 

  • Investor type: Mostly accredited investors 

  • Considerations: Higher risk and higher reward profile 

4. iCapital 

iCapital is an institutional-grade alternative marketplace offering hedge funds, private equity, real assets, and structured products. 

  • Highlights: Sophisticated platform with broad investment options 

  • Investor type: High-net-worth investors and advisor-led portfolios 

  • Considerations: Higher minimums and a need for investor sophistication 

Who Should Consider Alternative Investments 

Alternative assets are best suited for: 

  • Experienced investors seeking portfolio diversification 

  • Investors comfortable with less liquidity and longer time horizons 

  • Individuals targeting higher potential returns outside of public markets 

These investments are generally not recommended for risk-averse beginners without a clear strategy due to complexity and longer holding periods. 

Book a free call with a self-directed retirement specialist

  • Review your self-directed retirement options
  • Learn about investing in alternative assets
  • Get all of your questions answered

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Risks and Things to Consider 

While alternative investing can be rewarding, it comes with unique risks: 

  • Illiquidity 
    Many alternatives are not publicly traded, which makes them harder to sell quickly. 
  • Volatility and Complexity 
    Returns can vary widely, and careful research is essential. 
  • Higher Risk of Fraud 
    In self-directed contexts, investors must evaluate opportunities themselves. Custodians do not vet or recommend specific investments. 
  • Tax and Regulatory Rules 
    Alternative investments inside retirement accounts must comply with IRS rules. Violations can trigger penalties. 

Investing Alternatives Through a Self-Directed IRA 

A Self-Directed IRA lets you invest your retirement dollars in alternative assets while preserving tax advantages like tax-deferred growth or tax-free withdrawals in a Roth IRA. 

Why use a Self-Directed IRA: 

  • Diversify retirement savings beyond stocks and bonds 

  • Grow investments tax-efficiently 

  • Retain greater control over investment choices 

You need a qualified custodian to hold these assets because traditional brokers generally do not support alternative investments in IRAs. 

IRA Financial and Alternative Investing 

With IRA Financial, you can open a Self-Directed IRA and invest in platforms like Fundrise, iCaptial, or Linqto, or hold other alternative assets such as private equity, real estate, or crypto. IRA Financial provides the structure and support to hold these investments while keeping the tax advantages of a retirement account intact. 

Whether you want to invest through a platform or bring your own alternative investment opportunities, IRA Financial can help you manage your Self-Directed IRA effectively. 

Adam Bergman - Founder

About the Author

Adam Bergman is a tax attorney and the founder of IRA Financial, one of the largest Self-Directed IRA platforms in the United States. He has helped more than 27,000 clients take control of their retirement savings, overseeing over $5 billion in retirement assets. Adam is also the author of nine books focused on helping investors understand and confidently manage their retirement strategies.

This article is provided for informational purposes only and does not constitute investment, tax, or legal advice. Any rankings, ratings, or opinions expressed reflect the views of IRA Financial based on internal research, listed criteria, and publicly available data at the time of publication. Rankings are subjective and may not be suitable for all investors. Readers should independently evaluate all options and consult with qualified advisors prior to making financial decisions. 

FAQs About Alternative Investing and Self-Directed IRAs 

Can anyone invest in alternatives? 
Some platforms accept non-accredited investors, but many private market deals are limited to accredited investors. 

Are alternative investments risky? 
Yes. They can be less liquid and more complex than traditional assets. Risk varies by asset type. 

What are the minimums for investing in alternatives? 
Minimums range widely, from as low as $10 on some platforms to tens of thousands for private deals. 

Do Self-Directed IRAs have tax benefits? 
Yes. Like traditional IRAs, Self-Directed IRAs can offer tax-deferred growth and, in the case of Roth IRAs, tax-free withdrawals. 

by Adam Bergman

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IRA Financial (IRAF) is not a law firm and does not provide legal, financial, or investment advice. No attorney-client relationship exists between the Client and IRAF, its staff, or in-house counsel. IRAF offers retirement account facilitation and document services only. Clients should consult qualified legal, tax, or financial professionals before making investment decisions. IRAF does not render legal, accounting, or professional services. If such services are needed, seek a qualified professional. Custodian-related service costs are not included in IRAF’s professional services.

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