IRA Financial Group

Call us today at 888-472-0647

Why Choose IRA Financial Group


IRA Financial Group’s tax and ERISA specialists have helped more than 16,000 clients self-direct their IRA and invest $4.6 billion in alternative assets, such as real-estate.



Founder of IRA Financial Group and former tax and ERISA attorney, Adam Bergman, has published seven books to help investors self-direct their individual retirement account.



Find IRA Financial Group on Forbes! Adam Bergman is a frequent contributor to and an official member of the Forbes Financial Council.

The Ultimate Retirement Plan for
Self-Employed Individuals

Higher Contributions

Make higher contributions with the Individual 401(k). The plan has a maximum contribution limit of $63,500 for participants who are 50 and older. Contribute $57,000 if you’re younger than 50!

Investment Control

Take control over your investments with checkbook control. This structure allows you to make traditional and alternative investments without custodian consent.

Tax-Free Loan

Borrow up to $50,000 of your account value with this IRA 401(k). You can use the loan tax and penalty-free for any purpose, like funding your business, paying off debt and making more investments.

Best Individual 401(k) Plan

You receive stronger creditor protection and don’t have to establish a potentially costly LLC. There are benefits built into the IRA 401(k) that are specifically designed for self-employed participants.

Easy Administration

Individual 401(k) accounts are easy to operate and administer. There are zero annual filing requirements, unless your assets exceed $250,000.

No Custodian Fees

One of the greatest benefits of the Individual 401(k) Plan is that you don’t have to pay high custodian fees or hire a bank or trust company to act as trustee of the plan.

Contact Us Today And Find Out Why An Individual 401(k) Plan Will Work Better For You

Benefits of Individual 401(k)

Diversify Your Investments

Compare to SEP IRA

Unlike the SEP IRA, the Individual 401(k) Plan includes a Roth feature that allows you to make tax-free investments on what you know and understand. You can also reach your maximum savings amount easier with the Individual 401(k) Plan.

Easy Administration

Individual 401(k) Eligibility

Are you a business owner with zero full-time employees? Then you’re eligible for the Individual 401(k). This is the perfect plan for sole proprietors, consultants or independent contractors. Take advantage of your eligibility.

Quick Access to Funds

Complete Transparency

Get checkbook control over your retirement funds for one flat annual fee. At IRA Financial, you receive complete transparency with your retirement account. There are no surprise fees, such as asset valuation and transaction fees. Invest the way you want while IRA Financial handles all IRS reporting.

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“What about your IRA, including rollover IRA? You need to look at state law, advises tax attorney Adam Bergman of New York’s IRA Financial Group.”

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“Adam Bergman…gets several calls a day from clients like McDermott looking to invest their retirement funds in real estate. ‘Our average client has retirement accounts of about $150,000 and is looking to buy one or two properties.'”

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“Jeff Brown…transferred roughly $50,000 from his workplace 401(k) to purchase homes to fix up and sell…He uses a self-directed IRA that he set up through IRA Financial Group in Miami Beach.”


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