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Grow Education Savings Tax-Free with a Self-Directed Coverdell ESA

A Self-Directed Coverdell ESA empowers you to invest in your child’s education with tax-free growth and complete control—so you can fund their future, your way.

  1. Contribute up to $2,000 per year per child and grow your savings tax-free
  2. Invest in alternative assets like real estate, gold, crypto, and private equity
  3. Withdraw funds tax-free when used for qualified education expenses
  4. No income tax on distributions used for qualified education expenses up to $4,150 for individuals or $8,300 for families annually

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What is a Coverdell IRA?

A Self-Directed Coverdell ESA (Education Savings Account) is a tax-advantaged savings account that allows for a broad range of investment options to grow funds for a child’s qualified education expenses. Unlike traditional ESAs limited to mutual funds or stocks, the Self-Directed Coverdell permits alternative investments such as real estate, private companies, and cryptos.

Contributions are not tax-deductible, but earnings grow tax-free, and withdrawals for qualified education expenses are also tax-free. The annual contribution limit is $2,000 per child, and funds must be used by age 30. This account offers more control and flexibility for families seeking to grow education savings through diverse investments.

Full Control

Manage your Coverdell account or have us facilitate transactions.

ESA Specialists

Get help to maximize your Self-Directed Coverdell ESA savings

Flexible Investing

Ability to invest in stocks, real estate, cryptos, and more

Coverdell ESA Account Details

  • Best value self-directed solution
  • Flexible investment options
  • Use a traditional, Roth, SEP or SIMPLE IRA, ESA or HSA
  • No transaction or asset value fees

Checkbook Control

$999

setup fee

$120

annually

Get Started

Custodian Control

$0

setup fee

$120

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 Coverdell ESA Account in 3 Easy Steps

See if You Prequalify

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

Fund Your Account

Make a contribution or transfer from another IRA account

Choose Your Investments

Pick from any number of alternative asset investments

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 Coverdell ESA

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.

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