Alto Solutions

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

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

• Self-directed IRA
• Alternative investments
• Private market investing
• Retirement account platform
• IRA administration software

Headquarters

HQ city

Nashville

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. 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.
2. 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).
3. 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

Go-to-market motion5 records

Distribution channels6 records

Marketing channels8 records

Core 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

Named customers1 record

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration23 records

Feature5 records

Partnerships

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 integrationStrategic or Co-development Partner · 19 March 2026Partnership 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 integrationStrategic or Co-development Partner · 22 January 2026Partnership expands IRA access for private fund managers; simplifies investor onboarding and KYC/AML compliance for funds using Passthrough's platform.
• Canopystrategic enterprise integrationStrategic or Co-development Partner · 9 December 2025Canopy 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 partnerStrategic or Co-development Partner · 13 November 2025Public 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 integrationStrategic or Co-development Partner · 24 September 2025Partnership unlocks IRA access to franchise investing through the Alto platform.
• MainGrid Infrastructurestrategic enterprise integrationStrategic or Co-development Partner · 16 July 2025Partnership unlocks investor access to Bitcoin mining operations by enabling MainGrid Infrastructure offerings on Alto.
• Ginkgo Residential (Ginkgo REIT Inc.)strategic marketplace issuerStrategic or Co-development Partner · 20 May 2025Ginkgo 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 integrationStrategic or Co-development Partner · 17 April 2025Partnership to expand investor access to pre-IPO investment opportunities using retirement funds via the Alto platform.
• Kirkland Capitalstrategic marketplace issuerStrategic or Co-development Partner · 20 February 2025Kirkland Income Fund I made available on the Alto Platform, enhancing access to alternative fixed-income investments through self-directed IRAs.
• IPO CLUBstrategic marketplace issuerStrategic or Co-development Partner · 20 February 2025IPO 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 partnerGTM or Marketing Partner · 17 January 2025Partnership with the Angel Capital Association to provide early-stage investment options via Alto's self-directed IRAs.
• SignalRankstrategic marketplace issuerStrategic or Co-development Partner · 1 October 2024Alto Capital introduced a new fund in partnership with SignalRank, available via the Alto platform.
• Big Plan Holdingsminor — single-deal partnershipStrategic or Co-development Partner · 26 March 2024Alto Capital and Big Plan Holdings partnered to fundraise through Alto for the namesake bar of Jon Bon Jovi.
• Vintstrategic enterprise integrationStrategic or Co-development Partner · 27 February 2024Partnership providing access to investments in fine wine and spirits through self-directed IRAs on the Alto platform.
• Alumni Venturesstrategic enterprise integrationStrategic or Co-development Partner · 14 December 2023Partnership offering access to AI investments through Alumni Ventures' fund via Alto's self-directed IRA infrastructure.
• Farmland LPstrategic enterprise integrationStrategic or Co-development Partner · 21 November 2023Partnership to broaden access to alternative investments via farmland, integrated into Alto's SDIRA platform.
• AcreTraderflagship integrated partner (farmland)Channel Partner/ Reseller/ DistributorFarmland 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)Channel Partner/ Reseller/ DistributorLeading 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)Channel Partner/ Reseller/ DistributorReal 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 issuerChannel Partner/ Reseller/ DistributorUS 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)Channel Partner/ Reseller/ DistributorArt 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)Channel Partner/ Reseller/ DistributorPeer-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)Channel Partner/ Reseller/ DistributorModern 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)Channel Partner/ Reseller/ DistributorFunding 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 partnerTechnology or IntegrationCryptoIRA 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 partnerTechnology or IntegrationMarketplace 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

Market position

Competitive moat5 records

Key highlights6 records

Customer concentration

• Xx.com/alto_ira
• Facebookfacebook.com/investwithalto
• LinkedInlinkedin.com/company/altoira
• Instagraminstagram.com/investwithalto

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles20 records

Subsidiaries3 records

Funding overview

Funding rounds9 records

Investors31 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Alto Solutions