Your Security Comes First

At IRA Financial, protecting your retirement savings is not just a priority. It is our promise.
From your first login to every transaction, we use advanced technology, trusted custodial partners, and strict regulatory standards to keep your information and assets secure.
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Bank-Level Technology That Protects You

Your personal data and financial information are protected by multiple layers of security:

Encrypted Data

All information is encrypted both in transit and at rest using bank-grade AES-256 encryption.

Two-Factor Authentication

Every account login requires identity verification to help prevent unauthorized access.

Automatic Session Timeouts

Inactive sessions are securely closed to protect your account.

Continuous Monitoring

We monitor for unusual activity and conduct frequent third-party security audits.

Secure Infrastructure

Hosted in top-tier, U.S.-based data centers with strict access controls.

Zero Trust Model

We implement a security framework that grants only the minimum necessary access for users and systems, reducing risk and exposure.

Safe Custody of Your Retirement Funds

Your IRA is held with an IRS-approved, qualified custodian, keeping your funds protected, compliant, and always under your control.

FDIC & SIPC Coverage: Cash assets held with custodians may be eligible for FDIC or SIPC insurance, subject to applicable limits.

Qualified Custodian: We partner with federally regulated trust institutions that meet high standards for asset custody.

Segregated Accounts: Client funds are held separately and never commingled.

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Regulatory Compliance and Oversight

Trust starts with transparency. IRA Financial is a South Dakota-chartered trust company regulated by the South Dakota Division of Banking (SD DOB). We operate under strict state and federal guidelines to protect your assets.

  • Fully compliant with IRS reporting requirements
  • Aligned with the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and USA PATRIOT Act
  • FinCEN-aligned compliance program: KYC, due diligence, suspicious activity monitoring, and reporting
  • Policies designed to meet or exceed regulatory expectations
  • Frequent third-party audits and ongoing risk assessments
  • Comprehensive cybersecurity and fidelity insurance coverage

Protecting You From Fraud

Security is a team effort. We help you stay protected:

  • Report suspicious activity to: info@irafinancial.com
  • Always log in directly through the official IRA Financial app or website.
  • Never share your password or personal information by email or text.
  • Be alert for phishing emails, texts, or websites that look similar to ours.
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A Platform Built on Resilience

Learning From the 2022 Incident

In 2022, IRA Financial was targeted in a criminal cyberattack that affected some crypto accounts. We immediately partnered with federal law enforcement, cybersecurity experts, and custodial partners.

The outcome was clear and positive. The FBI identified and arrested the individual responsible, and all affected cryptocurrency assets were fully recovered.

A Stronger, More Secure IRA Financial

Since then, we have taken major steps to strengthen your protection:

  • Moved our crypto platform to Bitstamp, a globally regulated exchange known for institutional-grade security
  • Upgraded authentication and internal access controls
  • Deployed real-time monitoring and threat detection tools
  • Expanded external security audits and risk oversight
Our Commitment to You

The 2022 incident was a turning point. We responded with transparency, accountability, and action. Today, our platform is stronger than ever, backed by smarter technology, more secure custodial partnerships, and a deep commitment to your safety.

We will keep investing in the protections that help keep your retirement secure.

See What Our Clients Have to Say

4.8+
Average rating on 2,000

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.

Angie A Florida

Online application process was very simple. Any questions I had was quickly responded to by humans and not simply an unintelligent bot. Establishment of my LLC and bank account was very smooth.

Neil E.

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.

Rene F.
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IRA Financial (IRAF) is not a law firm and does not provide legal, financial, or investment advice. No attorney-client relationship exists between the Client and IRAF, its staff, or in-house counsel. IRAF offers retirement account facilitation and document services only. Clients should consult qualified legal, tax, or financial professionals before making investment decisions. IRAF does not render legal, accounting, or professional services. If such services are needed, seek a qualified professional. Custodian-related service costs are not included in IRAF’s professional services.

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