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.
Add Stocks Trading to Your Account
Hold Stocks, ETFs, and Mutual Funds alongside your alternative investments in one self-directed account, with a flat annual $100 add-on fee. Available for Solo 401(k), SEP IRA, and SIMPLE IRA.
$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 alternative and traditional assets.
See What Our Clients Have to Say
They did a great job getting my very complicated ROBS structure and documentation set up properly. Timely, friendly, and at a great price! They went out of their way to make sure that all of my questions were answered and all of my concerns were addressed quickly and professionally. Looking forward to using IRA Financial for years to come!
The compliance department did a great job explaining the specific compliance requirements regarding setting up a Solo 401K and setting up HSA distributions using a debit card.
I called needing help with how to do both an Employee Contribution and an Employer Contribution to my Solo 401k. They were extremely patient with all my questions and ensured I understood when we were done.
Ready to Invest in Your Future?
Whatever your investment strategy, we do it all. Build long-term wealth with a self-directed retirement account designed for alternative and traditional investments.
#1 IRS Audit Protection
Flat Rate, No Hidden Fees
Expert Live Support
Total Investment Freedom