Grow Retirement Wealth with a Self‑Directed Inherited IRA
A Self-Directed Inherited IRA is a powerful tool that allows beneficiaries to manage and grow inherited retirement assets with greater investment flexibility. Unlike a traditional inherited IRA, a Self-Directed Inherited IRA enables you to invest in alternative assets like real estate, private equity, cryptocurrencies, and more.
Why Choose IRA Financial for Your Self‑Directed Inherited IRA?
Establishing a Self-Directed Inherited IRA with IRA Financial provides beneficiaries with expert providers, flexible investment choices, and seamless compliance support—making it easier to manage inherited assets while aligning your retirement strategy with your financial goals.
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Self-Directed Inherited IRA
At IRA Financial, we believe investing for retirement shouldn’t come with complicated fee structures or fine print. That’s why our Self-Directed Inherited IRA comes at one straightforward annual price: $495—with no setup fee, no asset-based fees, and no transaction costs. You keep more of what you earn, and you stay in control every step of the way.
Whether you’re investing in real estate, private companies, precious metals, or crypto, your IRA works harder—because your money stays invested, not chipped away by layers of fees.
Self-Directed Inherited IRA
$495
/ annually
- Free setup fee
- Best value self-directed solution
- Invest in almost anything you want
- Use a traditional, Roth, SEP or SIMPLE IRA, ESA or
- HSA
- No transaction or asset value fees
How to Open a Self-Directed Inherited IRA?
A Self-Directed IRA (SDIRA) puts you in control of your retirement investments—with an easy setup process and the freedom to diversify beyond traditional assets.
01
Open Your Account
Opening a self-directed retirement account is simple. 
Submit your online account application in just a few minutes. Get Started
02
Get your account number
Once your account is reviewed and approved. You’ll receive your account number and gain full access to our online retirement platform.
03
Fund your account
Transfer or rollover funds from an existing retirement account or fund your account through a direct contribution. Once funded, you’ll be able to make your investments and start growing your wealth.
The Benefits of a Self-Directed Inherited IRA
Better tax advantages
A Self-Directed Inherited IRA allows beneficiaries to manage required withdrawals while maintaining potential tax-deferred (or tax-free) growth during the distribution period. This helps preserve more of the account’s value as you reinvest.
Broader Investment Choices
Go beyond traditional investments. A Self-Directed Inherited IRA lets you diversify into alternatives like real estate, private placements, and more.
Faster Transactions
Respond quickly to opportunities with fewer restrictions and less red tape. Ideal for active beneficiaries seeking timely reinvestment of inherited funds.
Greater earning potential
While inherited IRAs don’t allow new contributions, the ability to invest in high-growth or income-generating assets can enhance returns within the required distribution timeline.
Direct investment control
Choose how inherited funds are invested—without relying on limited brokerage options. A Self-Directed Inherited IRA gives you full authority over portfolio strategy.
Custodial support
Your IRA custodian handles purchase logistics, IRS compliance, and secure storage setup, so you can focus on managing your overall retirement strategy.
Our SDIRA vs Other IRA Companies
Many Self-Directed IRA custodians charge asset-based fees—even on inherited accounts—meaning the more you retain and grow, the more you pay. Our flat fee structure ensures a predictable, fixed cost with no percentage-based charges, so beneficiaries keep more of what they’ve inherited.
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What Alternative Assets Can You Invest in with a SDIRA?
With an Self-Directed Inherited IRA, you can invest in alternative assets like real estate, private equity, and more.
Book a Consultation
Schedule a free consultation with a member of our team to explore how opening a self-directed retirement account can unlock your ability to invest tax-free in a variety of alternative assets.
See What Our Clients Have to Say
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.
I decided to open a Self-Directed IRA because I wanted to invest in real estate projects. Also, having control of my money was a big motivating factor as well. Being able to decide where and when to invest has been very successful for me. All the real estate projects I have selected have been solid investments. I have recommended IRA Financial to friends and family.
Self-Directed Inherited FAQs
Answers to some of the most commonly asked questions about Self-Directed Inherited IRAs.
There are different tax rules and requirements for spousal and non-spousal beneficiaries:
Spousal Beneficiaries
- Option 1: Roll over the inherited IRA into your own IRA (allows delaying RMDs until age 73).
- Â Option 2: Keep it as an Inherited IRA and follow RMD rules.
Non-Spouse Beneficiaries
- Must withdraw all funds within 10 years if the original owner died after 2019.
- If the deceased was already taking RMDs, beneficiaries must continue RMDs each year within the 10-year period.
Tax treatment for both depends on the account type. Withdrawals from a Traditional Self-Directed Inherited IRA are taxed as ordinary income, while withdrawals from a Roth Self-Directed Inherited IRA are typically tax-free, provided the account has been open for at least five years. Regardless of the type, required minimum distributions (RMDs) must be taken according to IRS rules—failure to do so can result in a 50% penalty on the amount not withdrawn.
Only spouses can roll over an inherited IRA into their own IRA. Non-spouses must keep it as an Inherited IRA.
Yes! You can buy rental properties, commercial real estate, or land. However, you cannot personally use the property.
The IRS imposes a 50% penalty on any amount not withdrawn within the required period.
Yes! You can invest in Bitcoin, Ethereum, and other digital assets through an IRS-approved custodian.
There are no early withdrawal penalties, but standard tax rules apply to Traditional Inherited IRAs.
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.
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