Unlock Real Estate Investing with Your IRA

With a Self‑Directed IRA, you can use your retirement funds to invest in a wide variety of real estate opportunities.

  • Invest in rental properties, REITs, raw land, and more
  • Benefit from tax-deferred or tax-exempt savings
  • Take advantage of rising rents and property values

Trusted by thousands, IRA Financial offers fast setup, expert support, and full IRS compliance — so you can save more, stress less, and invest with confidence. Start today.

Open a Self-Directed IRA Account
real estate

Award-Winning Innovation You Can Trust

Best Self-Directed IRA Companies 2025

Leading Firms for
Self-Directed IRAs in 2025

Top-Rated Self-Directed IRA Services for Investors

What is a Self‑Directed Retirement Account?

A self-directed retirement account is a tax-advantaged IRA or Solo 401(k) that gives you the freedom and flexibility to invest in alternative assets.

Unlike traditional retirement accounts limited to stocks and bonds, self-directed accounts let you take control of your investments while staying compliant with IRS rules. Diversify your portfolio, reduce your tax burden, and invest in what you know best.

How to Use the Roth IRA First-Time Home Buyer Strategy to Fund Your New Home
Expert-guided Support

Our team has deep industry knowledge to guide you through the options that best fit your needs.

Real Estate Investment Options

Choose from residential or commercial properties, tax liens, fractional real estate and more.

Safe and Compliant

Our services are fully compliant with financial regulations, giving you peace of mind.

Types of Self‑Directed Retirement Accounts for Individuals

Self-Directed IRA

A custodian-controlled Self-Directed IRA allows one to invest in alternative investments, including real estate. You choose the investments, and we'll invest on your behalf. Ideal for investors who are less hands-on.

$0

Setup Fee

$495

Annually

Checkbook IRA
Checkbook IRA

A Checkbook IRA gives you total control with the use of an LLC. Perfect for the investor that performs a lot of transactions, such as with a rental property.

$999

Setup Fee

$495

Annually

Solo 401(k)

If you have self-employment income, the Solo 401(k) is the best way to invest in real estate with retirement funds. Unlike IRAs, 401(k) plans are exempt from UBTI, a tax for investors using leverage to invest in real estate.

$999

Setup Fee

$399

Annually

Get Started

The #1 Self‑Directed Retirement Company

IRA Financial, founded in 2010, is a leading provider of self-directed retirement plans and your partner in financial freedom. Our platform and mobile app make managing your account easier than ever and our in-house tax and compliance team ensures your investments stay within IRS rules.

Why IRA Financial?

  • Over $5 billion in retirement assets under custody
  • 25,000+ clients across all 50 states
  • 97% client retention rate
  • Guaranteed IRA audit protection
  • Expert support from highly trained specialists

How It Works

01

Open Your Account

Start by opening a new account in less than 10 minutes with us.

02

Fund Your Account

Make a contribution or transfer from another IRA account.

03

Choose Your Investments

Pick from any number of alternative asset investments.
Open Account

See What Our Clients Have to Say

4.7+
Average rating on 2,000

I have been a client of IRA Financial for several years and I really love them. I've worked with other companies, and they just were not as easy to work with. I appreciate being able to get somebody on the phone and getting help with taxes. Just everything has been so easy to work with. I have, and do, recommend them to anyone thinking about self-directed investing.

Paul S.

I decided to open a Self-Directed IRA because I wanted to invest in real estate projects. Also, having control of my money was a big motivating factor as well. Being able to decide where and when to invest has been very successful for me. All the real estate projects I have selected have been solid investments. I have recommended IRA Financial to friends and family.

Rene F.

I believe that the sphere of influence, those we surround ourselves with and the firms we partner with is critical to our success. I’m honored to have found Adam Bergman and IRA Financial. Adam and his team have created a culture of raving fans, and I’m truly grateful to be one of them. Being treated like family is absolutely priceless.

Mary Ann M.

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.

Open Account

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.