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Maintain Full Control of Your Retirement with a Checkbook IRA

A Checkbook IRA gives you direct control over your retirement funds, allowing you to invest in alternative assets without custodial fees or long turn-around times.

  • Contribute up to $7,000 plus additional $1,000 catch-up contribution if you are 50 years or older
  • Invest in alternative assets like real estate, gold, crypto, and private equity
  • Transparent, flat-fee pricing with no asset-based charges
  • Write checks, wire funds — no approvals required.

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Complete our pre-application in just 60 seconds to get started

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What is a Checkbook IRA?

A Checkbook IRA is a type of Self-Directed IRA that allows the account holder to have direct control over investment decisions through a specially structured LLC. In this setup, the IRA owns the LLC, and the account holder acts as the manager, giving them “checkbook control” to write checks and make investments on behalf of the IRA without needing custodian approval for each transaction.

This structure offers greater flexibility and speed for investing in alternative assets like real estate, private placements, and precious metals. However, it also requires strict adherence to IRS rules to avoid prohibited transactions and maintain the tax-advantaged status of the account.

Real-Time Investing

Write a check, wire funds, or use a debit card to make an investment instantly—no custodian delays.

Asset Protection

The LLC structure offers a layer of liability protection around your retirement assets.

IRS-Approved Structure

Fully-compliant LLC structure — tax-advantaged investing with proper legal setup.

Checkbook IRA Account Details

  • Ultimate freedom and privacy
  • Invest in almost anything you want
  • Use a traditional, Roth, SEP or SIMPLE IRA, ESA, or HSA
  • No transaction or asset value fees

Pricing Details

$999

setup fee

$495

annually

Get Started

The #1 Self-Directed Retirement Company

IRA Financial, founded in 2010, is a leading provider of self-directed retirement plans and dedicated to helping individuals and business owners invest freely and retire confidently.

Why IRA Financial?

  • Over $5 billion in retirement assets under custody
  • 25,000+ clients across all 50 states
  • 97% client retention rate
  • IRS-compliant platform designed for self-directed investors
  • Expert support from highly trained specialists
Trustpilot

Open Your Checkbook IRA Account in 3 Easy Steps

See if You Prequalify

Submit the form at the top of this page and apply online

Form Your IRA LLC

We help set up your LLC, obtain an EIN, and ensure compliance with IRS rules

Choose Your Investments

Use a checkbook to invest in any number of alternative asset investments directly

Get Started Now

See What Our Clients Have to Say

I’m beyond pleased with having my self-directed IRA in your teams capable hands. In a few short months, it’s already proving to be a solid retirement investment vehicle. The fees are insignificant compared to the value. Many thanks.

Ann M. C.

Illinois

The process of setting up my self-directed IRA was quick and painless. There were a lot of forms to be completed, but the customer service at IRA Financial Group is great and they are very quick to respond. I was able to complete my set up quickly and get my funds transferred very quickly. Thanks!

Christy

Virginia

I am extremely pleased with the service and professionalism provided by the IRA Financial Group. I don’t think you can find a better firm to handled Self Directed IRA accounts. Keep up the great work and I will always do business with you.

Owen S.

Texas

IRA Financial Group was invaluable in setting up my account. They explained all of the details involved with the process and made the entire evolution simple and efficient. If someone is considering a self-directed IRA, IRA Financial Group is the clear choice.

Michael J.

Utah

Ready To Take Control of Your Retirement Savings?

Take control of your retirement by investing in alternative assets like real estate, cryptocurrency, businesses, and more. Start creating wealth today by starting your application.

Get Started with a Checkbook IRA

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.

Open an account