Flexible Retirement Plans for Businesses—Built Around Your Team
Offer your employees more than a standard retirement plan. Our self-directed retirement accounts for small business owners provide the ability to align retirement benefits with diverse investment options and long-term goals—while maintaining control and compliance.
Choose the Right Small Business Account
Not all business retirement plans are created equal. Explore self-directed options that provide flexibility, control, and access to alternative investments—so you can offer a plan that supports your team’s future and fits your company’s vision.
How to Open Your Account
Our goal is to make opening a self-directed small business retirement account as easy as possible.
01
Choose your account type
Pick the best small business account to fit your goals.
Need help? Connect with one of our account specialists to help you decide which account is right for you.
02
Open Your Account
Opening a self-directed retirement account is simple. 
Submit your online account application in just a few minutes. Get Started
03
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.
04
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.
Public Markets, Now Available
Hold stocks, ETFs, and mutual funds alongside your alternative investments — all in one self-directed account with one flat annual fee.
$150 off when you use code STOCKS
Stocks trading is a $100 add-on. Open an SDIRA, Checkbook IRA, or Solo 401(k), add stocks trading, and get $150 off your first year.
Trusted Individual Investment Retirement Services
With years of experience and thousands of satisfied clients, we provide reliable support,
 transparent pricing, and expert guidance—so you can invest for retirement with clarity and confidence.
27,000+
Active Accounts
$7B+
Assets Under Administration
97%
Client Retention Rate
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 have been a client of IRA Financial for several years and I really love them. I've worked with other companies, and they just were not as easy to work with. I appreciate being able to get somebody on the phone and getting help with taxes. Just everything has been so easy to work with. I have, and do, recommend them to anyone thinking about self-directed investing.
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