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With the IRA Financial App, never step foot in a bank! You can open a self-directed retirement account at Capital One Bank or any other major financial institution from the comfort of your couch.

Self-Directed IRA

Make alternative investments.

A Self-Directed IRA allows investors to use retirement funds to buy alternative assets and diversify their retirement portfolio. You won’t find the term “Self-Directed IRA” in the Internal Revenue Code. A self-directed retirement plan simply refers to an IRA account that is permitted to be invested in traditional assets like stocks, but also alternative assets, like real estate and cryptocurrencies. In the last several years, the number of self-directed IRA accounts has grown significantly.

The Internal Revenue Code does not describe what a self-directed IRA can invest in, only what it cannot invest in. As long as the retirement plan does not purchase life insurance, collectibles, or engage in a prohibited transaction outlined in Code Section 4975, then the investment can be made.

IRA Financial has partnered with Capital One Bank to simplify how you establish your Self-Directed IRA LLC. Your assigned specialist will open the plan bank account and complete all necessary documentation. All you have to do is invest your retirement funds in assets you know and trust.

Learn more about the Self-Directed IRA from the IRA Financial blog, videos, podcast and Forbes articles.

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We’ve partnered with Capital One Bank to simplify how you establish an account with us.

What our Self-Directed IRA offers

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Self-Directed IRA LLC

The IRA Financial checkbook control plan, also known as the Self-Directed IRA LLC, allows you make IRA investments without custodian consent. Every decision is truly yours and may be carried out by simply writing a check or executing a wire transfer from your Self-Directed IRA LLC bank account.

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Tax Advantages

The Self-Directed IRA gives you all the tax advantages of a traditional IRA, as well as tax deferral or tax-free gains in the case of a Roth IRA. All income and gains generated by your IRA investment will flow back to your IRA tax free. 

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Invest In What You Know

The Self-Directed IRA with checkbook control gives you the flexibility to make almost any type of investment, including real estate, private business entities, tax liens, precious metals, cryptocurrencies, private businesses, and more tax-free. 

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Limited Liability

An LLC will provide your IRA with limited liability protection. All of your IRA assets held outside the LLC will be shielded from attack.

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Strong Creditor Protection

A Self-Directed IRA will generally be protected for up to $1 million in the case of personal bankruptcy. In addition, most states will shield an IRA from creditors’ attack against the IRA holder outside of bankruptcy. 

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Speed & Lower Fees

When you want to make an investment with your IRA funds, simply write a check or wire the funds straight from your Self-Directed IRA LLC bank account, or make investment on our retirement application. This allows you to eliminate the delays associated with a custodian controlled IRA.

Here’s what you get when you open an account with us

  • Checkbook Control Self-Directed IRA with an IRS-approved custodian, and an LLC tax ID number
  • A special-purpose Operating Agreement and Subscription Agreement
  • Help with transferring your funds to an FDIC-insured IRA custodian and your LLC, as well as with establishing a business bank account
  • Memo regarding the Self-Directed IRA LLC Structure
  • Tax consultation on the UBTI and UDFI rules
  • Tax consultation with CPA regarding tax reporting guidelines
  • Consultation with in-house tax professional regarding your Self-Directed IRA LLC structure and the prohibited transaction rules
  • Guaranteed IRS audit protection for your Self-Directed IRA structure

starting at


one-time establishment fee


annual IRA custodian fee

Popular Self-Directed IRA Investments

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The advantage of using retirement funds to invest in notes or hard money loans investments is that all income and gains generated by the debt investment will not be subject to any tax or penalty. Instead of paying tax on the investment returns, you pay at a later date, allowing the investment to grow unhindered. Learn More.

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Cryptocurrencies is a form of digital currency that has become a popular investment class for investors around the world. Blockchain technology, the main technology used to power cryptocurrency, is expected by many to revolutionize financial transactions. Learn More.

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Foreign Currencies/Options

Foreign currencies/options are a common investment among retirement account holders, particularly speculators. Since the advent of self-directed IRAs, the IRS has allowed you to make foreign currency/options investments with your IRA funds. Learn More.

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Tax Liens/Tax Deeds

Tax liens/tax deeds can be purchased using retirement funds and is more tax-efficient when using a self-directed IRA. If you’re trying to decide whether to invest in liens or deeds, it depends on your investment goals. Learn More.

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Real Estate

Real estate is the most popular alternative asset investment for retirement account holders. Since the start of self-directed IRAs, the IRS has permitted you to engage in almost any type of real estate investment, generally aside from investments involving a disqualified person. Learn More.

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Private Businesses/Private Placements

Small private business that need capital to grow the business can benefit from a private placement, which involves the sale of securities or membership interests to a relatively small number of select investors. Learn More.

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Investment Funds

The idea behind investing in an investment funds is that the investment fund provides a broader selection of investment opportunities, greater management expertise and lower investment fees than investors might be able to obtain on their own. Common investment funds include hedge funds and private equity funds. Learn More.

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Did You Know?

Millionaires believe real estate is the best investment choice for Self-Directed IRA investors.  A Self-Directed IRA gives you a tax-advantaged way to invest in any type of property—from residential to commercial, fix and flip or rental property, apartment buildings to single family houses. Learn more.

Get a Free Consultation with a Tax Specialist!

Take control of your retirement investments. Contact IRA Financial at 1-800-472-0646 or fill out the form to learn more about opening a Self-Directed IRA.

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