Enjoy Tax-Free Withdrawals with a Self-Directed Roth IRA
A Self-Directed Roth IRA gives you full control over your retirement investments, with the added benefits of: tax-free growth, the ability to contribute as long as you earn income, and tax-free withdrawals in retirement.
Why Choose Us as Your Roth IRA Provider?
At IRA Financial, our Self-Directed Roth IRA custodians provide expert support, transparent pricing, and a seamless investment experience.
Self-Directed Roth IRA
- Best value self-directed solution
- Invest in almost anything you want
- Enjoy tax-free withdrawals during retirement
- No transaction or asset value fees
- Choose custodian or checkbook control
How to Open a Self-Directed Roth IRA
A Self-Directed Roth IRA lets you take charge of your retirement investments. Open an account easily and start diversifying on your terms.
01
Open an account
02
Get your Roth IRA account number
Step 2
Once approved, you’ll receive your Roth IRA account number to move forward.
03
Fund your account
Step 3
Transfer, roll over, or contribute funds directly to your Roth IRA to start investing.
The Benefits of a Self-Directed Roth IRA
Tax-free growth and withdrawals
Your Roth IRA grows tax-free, and qualified withdrawals (after 59½ and five years) are completely tax-free.
Built-in estate planning benefits
Your Roth IRA can be passed on to heirs tax-free, making it a powerful wealth-building tool.
No Required Minimum Distributions
Unlike a Traditional SDIRA, a Self-Directed Roth IRA does not require withdrawals at age 73, allowing assets to grow indefinitely.
Broader investment choices
Move beyond stocks and bonds to invest in alternative assets like real estate, cryptocurrency, private equity, precious metals, and more, expanding your opportunities for growth.
Direct investment control
Choose where and how to invest without relying on traditional brokerage firms, giving you full authority over your portfolio.
Potential Emergency Fund
Access your Roth IRA contributions at any time—tax-free and penalty-free—providing flexibility if unexpected expenses arise.
Custodial support
An IRA custodian handles administrative tasks and facilitates transactions while you maintain full decision-making power.
Our Roth IRA vs Other IRA Companies
Many Self-Directed IRA custodians charge percentage-based fees that increase as your investments grow—reducing your returns over time. At IRA Financial, we offer a flat, predictable pricing structure with no hidden costs.
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
See What Our Clients Have to Say
Dear Stacey, Adam and Enrique, You all were on my mind late last night after I was informed the bank transferred the Money to the Seller of our Insurance Agency on my behalf. Not sure if you all realize this but without the IRA Financial Team.. My life long dream of owning this Insurance Agency would not be possible. From the first moment I spoke to Adam, or Enrique or yourself I had the confidence in IRA Financial this could happen. Also..you made yourselves available to the Banking Attorneys immediately. You helped my wife and I put together a very large Transaction using the funds in our 401(k) to do this…. You did it professionally and completely and very quickly. We are very GRATEFUL this was done and to make new friends at the same time. Im also anxious to pass your names and phone numbers around to those that may need it. I want you to feel comfortable to use my name and phone number anytime as a referral to anyone who thinks they may want to use their 401(k) in the same way we did.
Before contacting IRA Financial Group, I conducted an extensive market research on Solo 401(k) providers. From the initial phone call, I was impressed with the professionalism, the wealth of information provided, the caliber of services and companies they are affiliated with. I personally thank Jennifer Dann for making the application process go so smoothly, for the prompt assistance on the immense amount of questions I had, for her commitment to make sure I clearly understood every answer, and for the one-on-one dedicated attention provided. In addition, I commend the firm for the technically advanced and secured process they have in place for the transfer of documents and payments processing. And, lastly, for offering compliance service included with the yearly fee. I’m one very satisfied customer. I can safely say, the time I spent doing market research truly paid off!
I contacted more than nine IRA product providers before I happened upon IRA Financial Group. I was astounded to find myself talking to one of the owners and senior managers, a widely-published authority on IRAs. The process was straightforward, the fee very competitive. As a tax advisor, I have confidence IRA Financial Group will be there to keep my plans active and compliant. Thank you!
What Alternative Assets Can You Invest in with a Self-Directed Roth IRA?
A Self-Directed Roth IRA allows you to diversify beyond traditional stocks and bonds. Popular investment options include:
Self-Directed Roth IRA FAQs
Answers to some of the most commonly asked questions about Self-Directed Roth IRAs. You can check out our full-list of SDIRA FAQs here.
A Self-Directed Roth IRA is a retirement account that allows you to invest in a wide range of alternative assets—real estate, cryptocurrency, private equity, tax liens, and more—while benefiting from tax-free growth and tax-free withdrawals in retirement.
Unlike standard Roth IRAs from banks or brokerages, a Self-Directed Roth IRA gives you full control over your investment choices, but requires a Roth IRA custodian to hold your assets and ensure IRS compliance.
For 2025, you can contribute up to $7,000 plus an additional $1,000 catch-up contribution if you are age 50 or older. Income limits apply for direct Roth IRA contributions. High earners can use a “Backdoor Roth IRA” strategy to contribute.
No. Unlike Traditional IRAs, Roth IRAs do NOT require withdrawals at age 73. Your funds can grow tax-free indefinitely, making it a powerful tool for long-term wealth building and estate planning.
Yes, you can have multiple Roth IRAs, including a mix of both Traditional and Roth IRAs. However, your annual contribution limit applies across all accounts.
Your Self-Directed Roth IRA can be inherited tax-free by your beneficiaries, depending on the circumstances:
- Spouses – Can transfer the account into their own Roth IRA and continue tax-free growth.
- Non-Spouses – Must withdraw funds within 10 years but typically do not owe income taxes on the distributions.
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.
