Unleash the Power of Alternative Investments with a Self‑Directed IRA

A Self‑Directed IRA gives you the freedom to invest in almost anything, tax-free.

  • Diversify with real estate, precious metals, and more
  • Choose checkbook control or custodian controlled
  • Simple and transparent flat fee structure

IRA Financial is a trusted Self‑Directed IRA custodian with industry-leading expertise, no hidden fees, and direct access to retirement specialists. Start today.

Open a Self-Directed IRA Account

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Self-Directed IRAs in 2025

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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.

Expert-guided Investments

Leverage our deep industry knowledge to make informed investment decisions.

Control Over Your Funds

You decide where your money goes. Invest in alternative assets including businesses, real estate, and crypto.

Safe and Compliant

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

Self‑Directed IRA Details

  • Best value self-directed solution
  • Invest in almost anything you want — real estate, crypto, private businesses, precious metals, and more
  • Use a traditional, Roth, SEP or SIMPLE IRA, ESA or HSA
  • No transaction or asset value fees

Pricing Details

$495

/ annually

$0 setup fee

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 with us in less than 10 minutes.

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'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.

Dean 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.

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.

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.