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Empower Your Retirement with a SIMPLE IRA

Straightforward, tax-advantaged retirement savings designed for small business owners and their employees.

  • Contribute up to $16,000 annually (plus a $3,500 catch-up for those 50+)
  • Invest in alternative assets like real estate, gold, crypto, and private equity
  • Immediate vesting, low administration, and flat‑fee pricing with no hidden charges
  • Employer match of up to 3 %

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What is a SIMPLE IRA?

A SIMPLE IRA (Savings Incentive Match Plan for Employees) is a retirement savings plan designed for small businesses with 100 or fewer employees. It allows both employer and employee contributions, making it a straightforward and cost-effective option for companies that want to offer retirement benefits without the complexity of larger plans like a 401(k).

Employees can contribute up to $16,000 in 2025, with an additional catch-up for older savers. Employers are generally required to either match employee contributions up to 3% of compensation or make a fixed contribution of 2% for all eligible employees, regardless of participation.

SIMPLE IRAs are easy to administer and offer immediate vesting, but they come with lower contribution limits compared to other retirement plans

Dual Tax Benefits

Employee salary‑deferral reduces current taxable income while employer match is deductible

Simplified Setup

No annual Form 5500 filing and simpler record‑keeping than most 401(k)s

Immediate Vesting

Every dollar contributed belongs to the employee right away.

SIMPLE IRA Account Details

  • Ideal for businesses with less than 100 employees
  • Flexible investment options
  • Immediate vesting of contributions
  • No annual IRA filing requirement

Checkbook Control

$999

setup fee

$495

annually

Get Started

Custodian Control

$0

setup fee

$495

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 SIMPLE IRA 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 SIMPLE IRA

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.

Open an account