The simplest and most private path to checkbook control
Ideal for
- Cryptocurrency
- Private lending
- Real estate syndications
- Private equity
- Venture capital
- Private funds
- Note investments
- Tax liens
Best suited for assets that do not create liability risk. If your strategy includes direct real estate ownership, consider the IRA LLC.
Pricing
| Setup | Monthly | |
|---|---|---|
| Amount | $400 | $20 |
| When paid | One-time, paid personally | Personal or plan funds |
Approximately 50 percent of industry average. No fees based on account value. Custodial transaction fees apply for distributions, conversions, and additional funding at the IRA layer. Bank fees (wires, etc.) per your bank's schedule.
What's included
Setup ($400)
- IRA account establishment
- IRA EIN and Trust EIN
- Trust agreement (IRA-specialized)
- Certification of trust
- Trust resolution templates
Monthly ($20)
- IRA recordkeeping fee
- Knowledge base access
- Education resources
- Support access
Setup timeline
| Entity Setup | Full Plan Funding | |
|---|---|---|
| Timeframe | 2-3 days | 2-4 weeks |
| Scope | Trust formation, EINs, and signed documents | Varies by funding source; rollovers may take longer |
Tax IDs: two EINs are issued
IRA EIN: taxpayer identifier
Used on W-9s and 1099s; identifies the IRA as the tax-exempt taxpayer.
Trust EIN: entity identifier
Used to open bank accounts, brokerage accounts, and exchange accounts.
Key facts
| Who serves as trustee | You (the IRA owner) |
| Authority | Full signing and banking authority; no custodian approval needed for investments |
| Co-trustee / successor | Optional; designate a backup or successor trustee if desired |
| State registration | Not required; governed by your state of residency |
| Liability protection | None; use IRA LLC for liability-risk assets |