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
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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
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
Discover the Benefits of Self‑Directed IRA Investing with IRA Financial
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 |
Getting Started is Simple:Open Your Self-Directed IRA Custodian Account
01
Begin the process
Get started in minutes with our simple online app.
02
Set Up Your SDIRA Account
We’ll guide you through setting up your IRA account.
03
Add Funds
Transfer funds to your account and start investing in your future.
Self-Directed Solutions Fit for Your Retirement Needs
Self-Directed IRA
With a custodian-controlled IRA, you tell us the investments you want to make, and we’ll do all the work. Invest in traditional and alternative assets, like real estate.
- Portfolio Diversification
- Funding Flexibility
- Access to Alternative Investments
- Cost Saving with One Flat Fee
- Investment Control
- Tax Free/Tax Deferred Gains
Pricing: $0 setup fee, $495 annually
Checkbook IRA
By utilizing the IRA LLC structure, you have total “checkbook control” to make investments when you want, without custodial consent.
- Flexibility – Gain Checkbook Control of Your Funds
- Privacy & Confidentiality
- Special Purpose LLC approved by IRS
- Enhanced Investment Speed
- Partnership Availability (Multi-Member LLC)
- Asset Protection
Pricing: $999 setup fee, $495 annually
Solo 401(k)
Best retirement plan if you are self-employed. Enjoy high annual contributions, Roth and loan features, and unlimited investment opportunities.
- High Contribution Limits
- Employee, Employer, and After-Tax Contributions
- Tax Deferred Growth
- Borrow up to $50,000, Tax Free!
- Flexibility – Checkbook Control
- Traditional & Roth Options
Pricing: $999 setup fee, $399 annually
IRAfi Crypto™
With the all-new IRAfi Crypto™ trading app, you can now buy, sell, and trade the most popular cryptos, including Bitcoin, Ether, and XRP, for a low, annual fee of just $100.
- Custodial Platform
- Self-Directed Investing 24/7
- Hedge Against Inflation
- Digital Currency
- 35 Different Cryptos/Tokens
Pricing: $0 setup fee, $100 annually, 1% fee per trade
Rollover as Business Startup
An IRS-approved structure that allows you to use retirement funds to start your own business or raise capital for an existing business.
- Use existing retirement funds
- Start a new business
- Fund an existing business
- Earn a salary
- IRS compliant
Pricing: Starting at $3,500 setup fee, $1,200 annually
See What Our Clients Have to Say
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.
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.
Trusted Individual Investment Retirement Services
With years of experience and thousands of satisfied clients, we provide reliable support, transparent pricing, and expert guidance—so you can invest for retirement with clarity and confidence.
27,000+
Active Accounts
$7B+
Assets Under Administration
97%
Client Retention Rate
Ready to Invest in Your Future?
Whatever strategy you plan for retirement, we do it all. Build your retirement with a Self‑Directed IRA designed for alternative and non traditional investments.
#1 IRS Audit Protection
Flat Rate, No Hidden Fees
Expert Live Support
Total Investment Freedom