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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$495
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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.
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.
Go beyond traditional investments. A Self-Directed Inherited IRA lets you diversify into alternatives like real estate, private placements, and more.
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.
Choose how inherited funds are invested—without relying on limited brokerage options. A Self-Directed Inherited IRA gives you full authority over portfolio strategy.
Respond quickly to opportunities with fewer restrictions and less red tape. Ideal for active beneficiaries seeking timely reinvestment of inherited funds.
A specialized IRA custodian ensures your account stays compliant with IRS distribution rules while providing investment flexibility and expert service tailored for beneficiaries.
Inherited IRAs offer protection through proper structuring and legal safeguards—helping beneficiaries preserve and manage wealth through changing financial situations.
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.
| IRA Financial | Other Providers | |
|---|---|---|
| Flat Annual Fee | Yes | No |
| $0 Account & Transaction Fees | Yes | No |
| $0 Admin & Processing Fees | Yes | No |
| Expert-Guided Investments | Yes | No |
| Guaranteed IRS Audit Protection | Yes | Yes |
| Annual Tax Consulting | Yes | No |
| Annual Reporting & Filing Service | Yes | No |
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.
With a Self-Directed SIMPLE IRA, you can invest in alternative assets like real estate, private equity, and more.
Residential, commercial, raw land, and rental properties.
Bitcoin, Ethereum, and other digital assets.
Gold, silver, and other IRS-approved metals.
Acquire property liens for potential returns.
Invest in startups, private companies, and venture capital.
Invest in a non-public company through the sale of securities.
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
Non-Spouse Beneficiaries
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.
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.
