America’s #1 Self‑Directed IRA Provider
One Platform. Every Investment. Self-Directed.
With a self-directed retirement account from IRA Financial, you have the freedom to invest your retirement funds on your own terms, backed by an award-winning custodian.
27K+
Active Accounts
$7B+
Assets Invested
97%
Client Retention Rate
4.8
Trustpilot Rating
A+
BBB Raiting
The Power of Self‑Directing
Your Retirement
A Self-Directed IRA or Solo 401(k) gives you full control over your retirement investments, with the same tax-advantages as a Traditional IRA. You get access to both alternative and traditional assets for greater flexibility, full diversification, and potential for higher returns.
Every Asset, All in One Account
Real estate, private equity, crypto, and precious metals alongside stocks, ETFs, and more. Anything the IRS allows, all inside your retirement account.
Customizable Retirement Accounts
Options ranging from Traditional and Roth to Trusts and LLCs.
Tax-Advantaged Growth
Your investments grow tax-free or tax-deferred.
Move Money Without
the Friction
Easily transfer funds, execute investments, and manage capital.
Real Specialists, Real Answers
Our US-based team are experts in self-directed retirement.
Customized Self‑Directed
Retirement Solutions
No cookie-cutter structures. We offer a broad range of solutions that can be tailored to fit your needs.
One Flat Annual Fee,
No Surprises
Unlike most other custodians, your fee doesn’t grow as your balance grows. Plus, we’ve eliminated most other fees
$0
Asset Value Fees
$0
Investment Fees
$0
Distribution Fees
$0
Conversion Fees
Alts Have Always Been Our Core.
Now Your Stocks Live Here Too.
IRA Financial was built for investors who think beyond Wall Street. And while alts have always been our core,
now you don’t have to choose. Add stock trading to your account and manage everything in one place.
Why Thousands Choose IRA Financial
Unrivaled Expertise
Grow your wealth faster with tax-deferred or tax-free investment gains, allowing your money to compound over time without immediate tax burdens.
Broad Range of Products and Services
From ROBS to Multi-member LLC IRAs, we have a wide range of account options and compliance services you won’t find anywhere else.
Flat, Transparent Fees
No matter how large your account grows, you pay one transparent, flat annual fee.
Compliance Support In-House
With built-in support and added services, we help you keep your account IRS compliant.
Recognized as the Best Custodian in the Industry
Best Self-Directed IRA
Companies 2025
Top-Rated Self-Directed IRA
Services for Investors
Leading Firms for
Self-Directed IRAs in 2025
Best Self-Directed IRAs
No One Else Comes Close
No other provider brings together this level of control, flexibility, and support in one place. Compare how we stack up against SDIRA custodians and traditional brokerages to see why our complete solutions sets a new standard for self-directed retirement.
IRA Financial | SDIRA Custodians | Traditional Custodians | |
In House Compliance and Tax Services
IRA Financial goes beyond custody. We provide the compliance infrastructure to keep your account protected, IRS compliant, and penalty-free.
- IRA Compliance Shield
- IRS Audit Guarantee
- Annual State Report Filing
- Prohibited Transaction Review
- Tax Filings
- UBIT Analysis
How to Get Started
01
Choose Account Type
Select the best self-directed retirement solutions to fit your goals. Need help? Connect with an expert
02
Open Account
Opening a self-directed retirement account is simple. Submit your online application in just a few minutes.
03
Fund Your Account
Transfer or rollover funds from an existing retirement account or make a direct contribution from your bank account.
04
Make Your Investment
You have the freedom to invest in anything the IRS allows. Explore investment options
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've looked at all of the participants in this space and IRA Financial was the clear choice. They were the easiest to work with, answered all my questions and concerns prior to me taking the steps to open the account. The process is straight forward and there are no surprises. My investments in Real Estate have been largely successful. IRA Financial is professional, has great support, and put the customer in the driver's seat.
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