Alto Solutions
- Company typePrivate
- Founded2015
- HeadquartersNashville, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingSoftware
Alto Solutions firmographics
Firmographics- Name
- Alto Solutions
- Legal name
- Alto Solutions, Inc.
- Website
- https://altoira.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Alto Solutions industry classification
Industry- Product category
- Self-Directed IRA Platform
- NAICS
- Portfolio Management and Investment Advice (523940), Other Financial Vehicles (52599)
- SIC
- Security Brokers, Dealers & Flotation Companies (6211), Finance Services (6199)
- akta.pro primary industry
- Managed Account Platforms (Separately Managed Accounts / Customized Portfolios) (FSAHAKAC)
Keywords
Where Alto Solutions is headquartered
LocationHeadquarters
- HQ city
- Nashville
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Alto Solutions business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Quarterly Account Fees on Investor SDIRAs: Recurring tiered fee billed quarterly in advance on Total Invested Capital: $0 for $0 invested; $37.50/quarter for $0.01–$29,999.99; $100/quarter for $30,000+. Non-refundable; charged to payment method on file.
- Per-Investment Processing / Transaction Fees: Service fee charged per investment execution: $0 for Alto Marketplace offerings, $10 for Integrated Partner investments, $75 for Private Raise Portal offerings; plus ancillary service fees ($25 outgoing wire, $50 outgoing check, $10 ACH chargeback, $100 account closure/private security transfer, $75 expedited service, $150 special handling).
- Marketplace Placement Fees from Issuers: Alto Securities charges issuers a placement fee based on the total committed capital raised for each Marketplace offering; rate determined during contracting. No fee charged to issuers for Private Raise Portal raises or Integrated Partner integrations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Pay-as-you-go | Standard Alto IRA Account Fee — tiered quarterly pricing based on Total Invested Capital |
| Hybrid | Pay-as-you-go | Marketplace investment processing — no transaction fee |
| Transaction based/ take rate | Pay-as-you-go | Integrated Partner investment processing fee |
| Transaction based/ take rate | Pay-as-you-go | Private Raise Portal investment processing fee |
| Other | Pay-as-you-go | Ancillary service fees |
Go-to-market motion5 records
Distribution channels6 records
Marketing channels8 records
Alto Solutions product offering
Product offeringCore offering
Alto Solutions operates a self-directed IRA (SDIRA) administration platform that lets individual investors fund Tax-Advantaged Traditional, Roth, and SEP retirement accounts with alternative assets including private equity, venture capital, real estate, private credit, and pre-IPO securities. The platform combines a curated FINRA/SIPC broker-dealer Marketplace (Alto Securities), an Integrated Partners network that embeds Alto as a payment method inside third-party alternative platforms, and a self-serve Private Raise Portal for issuers, all backed by affiliated Alto Trust Company custody and FDIC-insured cash accounts at Needham Bank.
Product overview
Alto Solutions, Inc. (operating as AltoIRA / Alto) offers a single, unified self-directed IRA (SDIRA) platform rather than a collection of unrelated products. The core platform — the Alto IRA — administers Traditional, Roth, and SEP self-directed IRAs and serves as the entry point for tax-advantaged investing in alternative assets. Layered on top are three investor-facing modules: (1) the Alto Marketplace, a curated private-investment marketplace operated by the wholly-owned broker-dealer subsidiary Alto Securities, LLC; (2) Integrated Partners, which embeds Alto as a payment method inside third-party investment platforms such as AcreTrader, AngelList, FarmTogether, Masterworks, and Prosper; and (3) the Private Raise Portal, a self-service issuer tool for raising IRA capital. The Advisor Platform is a vertical workflow for RIAs and family offices managing client SDIRAs. Custody is provided by affiliated Alto Trust Company (a New Mexico state-chartered trust company), banking services by Needham Bank, and crypto custody (historically) by Coinbase via the now-divested Alto CryptoIRA® business.
Differentiator
Problem solved
Functional benefit
Brands
- Alto Trust Co. New Mexico state-chartered trust company that serves as custodian for self-directed IRAs held on the Alto platform.
- Alto Marketplace
- Alto CryptoIRA®
- The Alternative IRA®
Products and services
- Alto IRA (Self-Directed IRA Platform) Tax-advantaged self-directed individual retirement account (Traditional, Roth, or SEP) administration platform that lets investors use retirement funds to access alternative assets including private equity, venture capital, real estate, private credit, and cryptocurrency. Custody is provided through affiliated Alto Trust Company; banking services by Needham Bank (FDIC-insured).
- Alto Marketplace Curated private-market offerings marketplace provided by Alto Securities, LLC, the wholly-owned broker-dealer subsidiary of AltoIRA. Connects accredited investors with vetted private investments across asset classes such as private equity, venture capital, and real estate; the broker-dealer team sources deals and conducts expert-led due diligence. Investment processing is handled via a Wealthblock integration.
- Private Raise Portal Self-service issuer portal that lets issuers autonomously raise self-directed IRA capital in 15–20 minutes. Issuers create an account, upload their offering, and invite investors; Alto does not review the merits, legitimacy or suitability of the offering. Each initial investment carries a $75 transaction fee.
- Integrated Partners Program that embeds Alto as an IRA payment method inside third-party investment platforms (e.g., AcreTrader, AngelList, Constitution Lending, FarmTogether, Masterworks, Prosper, Silicon Prairie, Supervest). Investors browse partner platforms, select Alto at checkout, and authorize investments through an integrated workflow; $10 fee per initial integrated-partner investment.
- Alto Advisor Platform Workflow for financial advisors and family offices to open and manage self-directed IRAs on behalf of clients, with full visibility into client portfolios, alternatives access, and transparent pricing. Used by 100+ RIAs.
- Alto Trust Company New Mexico state-chartered non-depository trust company that serves as custodian for Alto self-directed IRAs, providing custody, recordkeeping, and regulatory reporting for a broad range of alternative investments including private equity, venture capital, real estate, and digital assets. Regulated by the New Mexico Regulation and Licensing Department's Financial Institutions Division. Principal office in Albuquerque, NM.
- Alto Securities, LLC Wholly-owned broker-dealer subsidiary of AltoIRA. SEC-registered broker-dealer and member of FINRA and SIPC. Operates Alto Marketplace and may act as placement agent for funds and other investments offered by issuers it has relationships with.
Quantifiable outcome
- Over $2B in assets under custody across 32,000+ self-directed IRA investors
- +2 more outcomes
Companies that use Alto Solutions
Customer profileNamed customers1 record
Ideal customer profiles3 records
Alto Solutions technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration23 records
Feature5 records
Alto Solutions partnerships and signals
Strategic signalPartnerships
26 partnerships are on record, tiered strategic enterprise integration, major — strategic divestiture and integration partner, strategic marketplace issuer, industry association partner, minor — single-deal partnership, flagship integrated partner (farmland), flagship integrated partner (venture), core integrated partner (real estate debt), flagship integrated partner (farmland) — also marketplace issuer, flagship integrated partner (art), flagship integrated partner (consumer credit), minor integrated partner (equity crowdfunding), core integrated partner (small business finance), flagship crypto custody partner and core marketplace technology partner.
- Decile Groupstrategic enterprise integrationPartnership streamlines fundraising workflows and enables Decile-trained GPs (general partners) to accept self-directed IRA investments through Alto. Expands retirement-capital access for emerging venture funds.
- Passthroughstrategic enterprise integrationPartnership expands IRA access for private fund managers; simplifies investor onboarding and KYC/AML compliance for funds using Passthrough's platform.
- Canopystrategic enterprise integrationCanopy partnered with Alto IRA to streamline IRA investing in private deals — digital funding with no paperwork, simplifying how investors deploy self-directed IRA capital into Canopy's offerings.
- Publicmajor — strategic divestiture and integration partnerPublic acquired Alto's CryptoIRA business in November 2025 and plans to integrate Alto's crypto trading technology into its platform by early 2026. Until then, customers continue trading on Alto's platform; integration enables Public to offer crypto trading within IRAs.
- FranSharesstrategic enterprise integrationPartnership unlocks IRA access to franchise investing through the Alto platform.
- MainGrid Infrastructurestrategic enterprise integrationPartnership unlocks investor access to Bitcoin mining operations by enabling MainGrid Infrastructure offerings on Alto.
- Ginkgo Residential (Ginkgo REIT Inc.)strategic marketplace issuerGinkgo REIT Inc. introduced on the Alto Marketplace — an income-focused investment in Carolina workforce housing offering low-volatility multifamily real estate exposure; minimum investment $25,000, evergreen fund.
- InvestXstrategic enterprise integrationPartnership to expand investor access to pre-IPO investment opportunities using retirement funds via the Alto platform.
- Kirkland Capitalstrategic marketplace issuerKirkland Income Fund I made available on the Alto Platform, enhancing access to alternative fixed-income investments through self-directed IRAs.
- IPO CLUBstrategic marketplace issuerIPO CLUB's AMERICA 2030 Target Maturity Fund (a private equity fund specializing in late-stage U.S. firms in defense, energy, cybersecurity, and AI) is available on the Alto Marketplace; minimum investment $50,000, 22-month offering period.
- Angel Capital Associationindustry association partnerPartnership with the Angel Capital Association to provide early-stage investment options via Alto's self-directed IRAs.
- SignalRankstrategic marketplace issuerAlto Capital introduced a new fund in partnership with SignalRank, available via the Alto platform.
- Big Plan Holdingsminor — single-deal partnershipAlto Capital and Big Plan Holdings partnered to fundraise through Alto for the namesake bar of Jon Bon Jovi.
- Vintstrategic enterprise integrationPartnership providing access to investments in fine wine and spirits through self-directed IRAs on the Alto platform.
- Alumni Venturesstrategic enterprise integrationPartnership offering access to AI investments through Alumni Ventures' fund via Alto's self-directed IRA infrastructure.
- Farmland LPstrategic enterprise integrationPartnership to broaden access to alternative investments via farmland, integrated into Alto's SDIRA platform.
- AcreTraderflagship integrated partner (farmland)Farmland investing platform integrated with Alto so accredited investors can fund AcreTrader offerings using their SDIRA; AcreTrader allows accredited investors and above.
- AngelListflagship integrated partner (venture)Leading platform for early-stage venture investing integrated with Alto; allows accredited investors and above to use IRA dollars in AngelList private funds.
- Constitution Lendingcore integrated partner (real estate debt)Real estate debt investing platform integrated with Alto, letting accredited investors use SDIRA funds in short-term, high-yield real estate loans.
- FarmTogetherflagship integrated partner (farmland) — also marketplace issuerUS farmland investment manager integrated with Alto; also available as an offering on Alto Marketplace (FarmTogether Sustainable Farmland Fund, LP). Partnership gives accredited investors access to U.S. farmland via SDIRA.
- Masterworksflagship integrated partner (art)Art investing platform integrated with Alto, allowing all investors (not just accredited) to buy shares of multi-million dollar works by Basquiat, Picasso, Banksy, etc., using SDIRA funds.
- Prosperflagship integrated partner (consumer credit)Peer-to-peer consumer lending platform founded in 2005, integrated with Alto; allows all investors to fund Prosper loans using SDIRA dollars. Also announced via dedicated partnership in Feb 2022.
- Silicon Prairie (SPPX)minor integrated partner (equity crowdfunding)Modern finance solutions platform with blockchain-based distributed ledger functionality; integrated with Alto for all investors to participate via SDIRA.
- SuperVestcore integrated partner (small business finance)Funding platform providing investors access to higher-yield small business funding via the merchant cash advance (MCA) asset class; integrated with Alto for all investors.
- Coinbaseflagship crypto custody partnerCryptoIRA assets secured through Coinbase's regulated 1:1 custody model. Remains a historical integration following the sale of Alto's CryptoIRA business to Public in Nov 2025.
- Wealthblockcore marketplace technology partnerMarketplace investment flow redirects investors to Wealthblock to confirm investment commitments, verify identity, confirm accreditation, e-sign subscription documents, and fund the investment.
Scale indicators10 records
Recent moves7 records
Expansion highlights5 records
Alto Solutions competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights6 records
Customer concentration
Alto Solutions social profiles
Digital presenceAlto Solutions compliance and trust
Trust signalCompliance7 records
Alto Solutions financial estimates
Financial estimateRevenue estimate
Valuation estimate
Alto Solutions leadership team
Management profileNumber of profiles
Profiles20 records
Alto Solutions subsidiaries and ownership
Company hierarchySubsidiaries3 records
Alto Solutions funding detail
Funding detailFunding overview
Funding rounds9 records
Investors31 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Alto Solutions M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Alto Solutions
What does Alto Solutions do?
Alto Solutions operates a self-directed IRA (SDIRA) administration platform that lets individual investors fund Tax-Advantaged Traditional, Roth, and SEP retirement accounts with alternative assets including private equity, venture capital, real estate, private credit, and pre-IPO securities. The platform combines a curated FINRA/SIPC broker-dealer Marketplace (Alto Securities), an Integrated Partners network that embeds Alto as a payment method inside third-party alternative platforms, and a self-serve Private Raise Portal for issuers, all backed by affiliated Alto Trust Company custody and FDIC-insured cash accounts at Needham Bank.
Is Alto Solutions a public or private company?
Alto Solutions is a private company. It is classified as venture growth investor backed and is currently operating.
When was Alto Solutions founded?
Alto Solutions was founded in 2015. It employs 101 to 250 people.
Where is Alto Solutions based?
Alto Solutions is headquartered in Nashville, United States, in the North America region.
How does Alto Solutions make money?
Three revenue lines are on record. Quarterly Account Fees on Investor SDIRAs are the primary driver. The others are per-Investment Processing / Transaction Fees and marketplace Placement Fees from Issuers.
Does Alto Solutions have an API?
No public API is recorded for Alto Solutions.
What industry is Alto Solutions in?
Alto Solutions's product category is Self-Directed IRA Platform. Its primary akta.pro industry code is FSAHAKAC, Managed Account Platforms (Separately Managed Accounts / Customized Portfolios). Its NAICS code is 523940 and its SIC code is 6211.