Looking for the Best Self‑Directed IRA Custodian?
Get more with IRA Financial. Explore how we compare with other providers in the industry.
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Recognized for innovation and trust
Best Self-Directed IRA Companies 2025
Leading Firms for Self-Directed IRAs in 2025
Top-Rated Self-Directed IRA Services for Investors
How IRA Financial Compares to Other Custodians on Fees and Value
Stop overpaying for the same service. Our flat-rate pricing model means no asset-based fees, no investment charges, and no surprises.
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 |
Fees estimated based on a $200K account with 4 investments. and pulled from custodian websites in December, 2025
Why Investors Make the Switch to IRA Financial
Smarter investors are choosing lower flat fees, faster expert support, and more investment freedom with IRA Financial.
See What Our Clients Have to Say
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.
I researched several companies before deciding to go with IRA Financial. I am completely happy with my choice. I appreciate that I can ask questions about rules prior to making an investment to make sure I am compliant. I like that I can invest in traditional investments, but also real estate. I have invested in land, rentals, and home flips. Whenever I am speaking with self-employed individuals, I bring up IRA Financial and the idea of opening a Solo 401(k). I think it is a no-brainer for someone who is self-employed and wish I had opened mine up sooner.
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.
FAQ
No. Our team handles most of the process for you, including contacting your current custodian, coordinating the transfer, and helping with asset re-registration if needed. Most transfers are completed within 7–10 business days.
In most cases, no. IRA Financial supports in-kind transfers, so you can move your existing assets—like private placements, real estate, or LLC interests—without selling them.
While there are other self-directed IRA custodians, IRA Financial offers:
- Flat-fee pricing (no percentage-of-assets billing)
- Faster support and onboarding
- Built-in crypto trading via IRAfi
- ROBS, Solo 401(k), and Checkbook IRA setups in-house
Yes—plus more. IRA Financial supports all IRS-approved alternatives like real estate, private placements, promissory notes, precious metals, and crypto.
Absolutely. We’re a licensed trust company regulated under South Dakota banking laws, with robust compliance protocols, IRS reporting, and asset segregation. We also guide you through complex IRS rules to avoid prohibited transactions.
Yes. Our expert team is available by phone, email, and app. Whether you’re structuring a real estate deal or wiring funds to a private company, we’re here to help—not just process.
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