Own Your Retirement Strategy.
Invest in what you know with a Self‑Directed IRA on an all-in-one platform that puts you in control of your financial future.
- Invest in alts like real estate, private equity, crypto, and gold
- Flat annual fee with no hidden costs
- IRS compliant with expert support and guidance
- Tax-free or tax-deferred growth options
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Limited-time offer: Add real-time stock trading to your SDIRA and save $150 when you apply with promo code STOCKS. See terms
We've been an industry leader in self-directed retirement since 2010
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.
What Can You Invest In?
With a Self-Directed IRA or Solo 401(k) from IRA Financial, you can diversify your retirement strategy through nearly unlimited alternative asset investments including:
- Real Estate: Rental properties, fix-and-flips, land
- Cryptocurrency: Secure and compliant digital asset investing
- Private Businesses: Startups, private equity, partnerships
- Precious Metals: Gold, silver, and other IRS-approved metals
- Private Lending: Act as a bank through peer lending or mortgage notes
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 We Compare to Other Providers
IRA Financial | Equity Trust | Columbia Private Trust | Madison Trust Company | |
Setup Fee | $0 | $50 | $0 | $50 |
Annual Fee | $495 | $750 | $750 | $800 |
Asset Value Fee | $0 | $0 | $600 | $0 |
Investment Fee | $0 | $0 | $1,000 | $200 |
Roth Conversion Fee | $0 | $0 | $150 | $100 |
1 Year Total Cost | $495 | $800 | $2,500 | $1,150 |
5 Year Total Cost | $2,475 | $3,800 | $7,900 | $4,350 |
Trust Pilot Score | 4.8/5 | 2.2/5 | 3.2/5 | NA |
How It Works
01
See if You Prequalify
Submit the form at the top of this page and apply online.
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.
See What Our Clients Have to Say
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.
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.
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.
