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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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.
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
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
See What Our Clients Have to Say
Online application process was very simple. Any questions I had was quickly responded to by humans and not simply an unintelligent bot. Establishment of my LLC and bank account was very smooth.
Before contacting IRA Financial Group, I conducted an extensive market research on Solo 401K providers. From the initial phone call, I was impressed with the professionalism, the wealth of information provided, the caliber of services. I commend the firm for the technically advanced and secured process they have in place for the transfer of documents and payments processing.
I've looked at all of the participants in this space and IRA Financial was the clear choice. They were the easiest to work with, answered all my questions and concerns prior to me taking the steps to open the account. The process is straight forward and there are no surprises. My investments in Real Estate have been largely successful. IRA Financial is professional, has great support, and put the customer in the driver's seat.
Open Your Checkbook IRA Account in 3 Easy Steps
01
See if You Prequalify
Submit the form at the top of this page and apply online.
02
Form Your IRA LLC
We help set up your LLC, obtain an EIN, and ensure compliance with IRS rules.
03
Choose Your Investments
Use a checkbook to invest in any number of alternative asset investments directly.
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.
