Flexible Retirement Plans for Businesses—Built Around Your Team
Offer your employees more than a standard retirement plan. Our self-directed retirement accounts for small business owners provide the ability to align retirement benefits with diverse investment options and long-term goals—while maintaining control and compliance.
Choose the Right Small Business Account
Not all business retirement plans are created equal. Explore self-directed options that provide flexibility, control, and access to alternative investments—so you can offer a plan that supports your team’s future and fits your company’s vision.
How to Open Your Account
Our goal is to make opening a self-directed small business retirement account as easy as possible.
01
Choose your account type
Pick the best small business account to fit your goals.
Need help? Connect with one of our account specialists to help you decide which account is right for you.
02
Open Your Account
Opening a self-directed retirement account is simple. 
Submit your online account application in just a few minutes. Get Started
03
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.
04
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.
Public Markets, Now Available
Hold stocks, ETFs, and mutual funds alongside your alternative investments — all in one self-directed account with one flat annual fee.
$150 off when you use code STOCKS
Stocks trading is a $100 add-on. Open an SDIRA, Checkbook IRA, or Solo 401(k), add stocks trading, and get $150 off your first year.
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
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 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.
Before contacting IRA Financial Group, I conducted an extensive market research on Solo 401K providers. From the initial phone call, I was impressed with the professionalism, the wealth of information provided, the caliber of services. I commend the firm for the technically advanced and secured process they have in place for the transfer of documents and payments processing.
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