Using Retirement Funds to Invest in Private Placement Opportunities
A private placement involves the sale of securities or membership interests to a relatively small number of select investors in order to raise capital privately. Investing in private placements for retirement is a tax-advantaged way to grow wealth that offers fixed returns and less risk than public offerings.
Go beyond stocks and mutual funds—invest in alternative assets like real estate, crypto, precious metals, private equity, and more.
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Why Choose Us to Invest in Private Placements?
IRA Financial specializes in self-directed retirement accounts, giving investors full control over where their money goes—including alternative assets like private placements. Whether you’re new to alternative investing or a seasoned pro, IRA Financial makes it simple to diversify your retirement portfolio with tax-advantaged investment strategies.
No commissions or surprise charges.
Serving investors in all 50 states.
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Manage assets or have us handle them.
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100% Self-Directed IRA solutions.
How to Open a Self‑Directed Retirement Account for Private Placements
Once you’ve selected the type of self-directed retirement account that’s right for you, the next step is to fund it and prepare to make your investment. Before investing, make sure you understand the risks associated with the property and how much income it may generate.
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.
Self‑Directed Retirement Accounts for Individuals
Self-Directed 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
Checkbook IRA
$495
/ annually
- $999 setup fee
- Ultimate freedom and privacy
- Invest in almost anything you want
- Use a traditional, Roth, SEP or SIMPLE IRA, ESA or HSA
- No transaction or asset value fees
Solo 401(k)
$399
/ annually
- $999 setup fee
- No asset, transaction, or purchase fees — ever
- Free tax consulting, plan documents, Form 5500-EZ filing, and IRS audit protection
- Borrow up to $50,000 tax-free
The Benefits of Investing in Private Placements with Retirement Funds
Better Tax Advantages
In general, all income and gains from a private placement investment will be tax-deferred (or tax-free in the case of a Roth.)
Diversification
Diversify your tax-advantaged portfolio beyond traditional assets like stocks, bonds and mutual funds and look to private offerings.
Stable Investments
Private placements offer a fixed return, which can be appealing to investors who are looking for stability.
Faster Transactions
Move quickly on deals with checkbook control and simplified processes, reducing the risk of missing time-sensitive opportunities.
Built in Asset Protection
Hold private placements inside a retirement account to reduce personal liability and isolate risk, while preserving your long-term financial security.
Custodial Support
Your IRA custodian handles purchase logistics, IRS compliance, and secure storage setup, so you can focus on managing your overall retirement strategy.
Us vs Other Investment Companies
When investing in private placements with your retirement account, fees matter. Many providers charge asset-based fees that grow with your portfolio—eating into your earnings. Our flat-fee model keeps your costs predictable, so more of your private placement returns stay where they belong: in your retirement account.
IRA Financial | Other Providers | |
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 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.
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.
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.
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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Flat Rate, No Hidden Fees
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