IRA Financial Group
IRA Financial Group is a Miami Beach-based custodian enabling 27,000+ individual investors and small business owners to hold alternative assets — real estate, cryptocurrency, private equity, precious metals — within self-directed IRAs, Solo 401(k)s, and ROBS structures, monetizing via flat annual account fees.
- Company typePrivate
- Founded2010
- HeadquartersMiami Beach, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What IRA Financial Group does
IRA Financial Group is a Miami Beach-based custodian and facilitator of self-directed retirement accounts, serving individual investors and small business owners who want to hold alternative assets — real estate, private equity, cryptocurrency, precious metals, and tax liens — inside tax-advantaged structures. Founded by Adam Bergman, the company offers nine account types (Self-Directed IRA, Checkbook IRA, Self-Directed HSA, Coverdell ESA, IRAFi Crypto, Solo 401(k), ROBS, SEP IRA, SIMPLE IRA) and supports them with an in-house IRA Compliance Shield and an IRS Audit Guarantee designed to keep accounts within IRS rules and penalty-free. As of the latest available data the firm services 27,000+ active accounts holding $7B+ in assets, with a stated 97% client retention rate.
The platform is delivered through a web application (app.irafinancial.com) that handles account administration, fund transfers, real-time trading in public equities and ETFs, and direct cryptocurrency trading inside retirement accounts. A proprietary Checkbook Control structure uses a customer-owned LLC to enable investment execution without per-transaction custodian approval. Revenue is generated through a flat annual fee per account, explicitly decoupled from account balance growth — a structural contrast to the percentage-of-assets pricing used by large incumbent custodians. Distribution is direct-to-consumer with self-serve digital onboarding plus free expert consultations for higher-complexity products such as ROBS and Checkbook IRAs, supported by content marketing, customer testimonials, and a 4.8 Trustpilot rating across roughly 2,000 reviews.
The company has been recognized across 2025 by Investopedia, Bankrate, Forbes Advisor, and NerdWallet as a leading self-directed IRA provider, and ranked No. 45 on Inc. magazine's 2026 list of fastest-growing private companies in the Midwest. Prior strategic actions include the 2019 acquisitions of Pension Investors of Hollywood and Pension Investors Corporation and a $2.3M funding round in December 2019. The company remains privately held with 51–100 employees and a US-based support team.
IRA Financial Group firmographics
Firmographics- Name
- IRA Financial Group
- Legal name
- IRA Financial
- Website
- https://irafinancialgroup.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- IRA Financial Group is a Miami Beach-based custodian enabling 27,000+ individual investors and small business owners to hold alternative assets — real estate, cryptocurrency, private equity, precious metals — within self-directed IRAs, Solo 401(k)s, and ROBS structures, monetizing via flat annual account fees.
- Ownership category
- akta.pro rank
IRA Financial Group industry classification
Industry- Product category
- Self-Directed Retirement Account Services
- NAICS
- Funds, Trusts, and Other Financial Vehicles (525), Trusts, Estates, and Agency Accounts (52592)
- SIC
- Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ)
- akta.pro secondary industries
- Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)
Keywords
Where IRA Financial Group is headquartered
LocationHeadquarters
- HQ city
- Miami Beach
- HQ country
- United States
- HQ region
- North America
Markets served
IRA Financial Group business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Annual Account Fees: IRA Financial charges a flat annual fee for account administration, custody services, and compliance support. The fee does not increase as account balance grows, distinguishing the company from percentage-of-assets fee models used by traditional custodians.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Flat Annual Fee - Single fee structure for all account types and balances |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
IRA Financial Group product offering
Product offeringCore offering
IRA Financial Group operates as a self-directed retirement account custodian and facilitator, enabling individuals and self-employed business owners to invest retirement funds in alternative assets such as real estate, cryptocurrency, private placements, and precious metals, alongside traditional stocks and ETFs, through a suite of tax-advantaged account structures including Self-Directed IRA, Checkbook IRA, Solo 401(k), ROBS, SEP IRA, SIMPLE IRA, Self-Directed HSA, Coverdell ESA, and Crypto IRA. The company delivers these accounts via its proprietary web and mobile platform with real-time trading, Checkbook Control via LLC, an IRS Audit Guarantee, and in-house compliance support, all under a flat annual fee model.
Product overview
IRA Financial offers a unified self-directed retirement account platform with multiple account types and investment options. The core portfolio consists of Self-Directed IRA, Checkbook IRA, Self-Directed HSA, Self-Directed Coverdell ESA, IRAFi Crypto, Solo 401(k), ROBS, SEP IRA, and SIMPLE IRA products. These accounts enable investment in alternative assets (Real Estate, Private Placements, Cryptocurrencies, Precious Metals, Investment Funds, Tax Liens & Deeds) alongside traditional stocks and ETFs. The platform differentiates through flat annual fees, in-house compliance services including IRS Audit Guarantee, and full investment freedom within IRS guidelines.
Differentiator
Problem solved
Functional benefit
Brands
- IRAfi Crypto: Cryptocurrency IRA product allowing users to buy and hold cryptocurrency in a tax-advantaged IRA.
- Checkbook IRA
Products and services
- Self-Directed IRA A self-directed individual retirement account that gives investors full control over their retirement investments, allowing investment in alternative and traditional assets with custodian support. Targeted at individual investors seeking alternatives to standard Wall Street retirement accounts.
- Checkbook IRA A self-directed IRA structured through an LLC, providing checkbook control over investment decisions without requiring custodian approval for each transaction. Targeted at individual investors who want immediate execution authority over alternative investments such as real estate or private placements.
- Self-Directed HSA A self-directed health savings account that allows investment of HSA funds for tax-free growth on qualified medical expenses. Targeted at individuals seeking tax-advantaged medical-expense investing with the same self-directed flexibility as an IRA.
- Self-Directed Coverdell ESA A self-directed Coverdell Education Savings Account allowing tax-advantaged savings for educational expenses. Targeted at families and individuals saving for future education costs.
- IRAfi Crypto A cryptocurrency IRA product (sub-brand "IRAfi Crypto") enabling purchase and holding of cryptocurrency within a tax-advantaged retirement account, with real-time crypto trading. Targeted at individual investors seeking to hold digital assets in a retirement wrapper.
- Solo 401(k) A tax-advantaged retirement plan for self-employed individuals and business owners with no employees, allowing contributions from self-employment income and investment in alternative assets. Targeted at self-employed entrepreneurs and owner-only businesses.
- ROBS (Rollover-as-Business-Startups) A Rollover-as-Business-Startups plan enabling use of retirement funds to start or buy a business without triggering taxes or penalties. Targeted at entrepreneurs and small business buyers who need a tax-efficient path to fund a business acquisition.
- SEP IRA A Simplified Employee Pension IRA offering tax-deductible contributions for business owners and self-employed individuals. Targeted at small businesses and self-employed individuals needing a simple employer-sponsored retirement plan.
- SIMPLE IRA A Savings Incentive Match Plan for Employees IRA providing employer-matched retirement savings for small businesses with employees. Targeted at small businesses with employees that need an easy-to-administer retirement plan with employer matching.
Quantifiable outcome
- 97% client retention rate
- +2 more outcomes
Companies that use IRA Financial Group
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles2 records
IRA Financial Group technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature5 records
IRA Financial Group partnerships and signals
Strategic signalScale indicators6 records
Recent moves6 records
Expansion highlights5 records
IRA Financial Group competitors and assessment
Company assessmentEmerging players
- NewRetirement: Retirement planning platform that helps individuals model and manage self-directed retirement strategies, including alternative-asset allocations; overlaps with IRA Financial on customer education and SMB retirement planning workflows.
Broad incumbents
- Fidelity Investments: Mega-incumbent retirement account provider with growing alternative-asset menu (including crypto exposure in 401(k)s); represents competitive pressure on IRA Financial's traditional IRA and 401(k) accounts.
- Charles Schwab: Large incumbent brokerage and IRA custodian that has been expanding alternative-asset access within retirement accounts; competes for the broader IRA market and increasingly for the self-directed segment IRA Financial targets.
Direct peers
- Alto (formerly AltoIRA): Self-directed IRA platform enabling investment in alternative assets (crypto, venture, private equity, real estate); competes head-to-head with IRA Financial on account types, fee structure, and target customer.
- Equity Trust Company: Long-established self-directed IRA custodian offering alternative-asset retirement accounts (real estate, private placements, precious metals, crypto); one of the largest incumbents in the same niche as IRA Financial.
- Millennium Trust Company: Specialized custodian for self-directed IRAs, HSAs, and other retirement vehicles holding alternative assets; competes with IRA Financial on alternative-asset custody for individual investors and small businesses.
- Strata Trust Company: Self-directed IRA custodian offering alternative-asset retirement accounts including real estate, private equity, and cryptocurrency; directly comparable product set and customer profile to IRA Financial.
- Rocket Dollar: Direct competitor offering self-directed IRA and Solo 401(k) accounts with checkbook control for alternative investments including real estate, crypto, and private equity; targets the same SMB and individual investor segment as IRA Financial.
- uDirect IRA: Self-directed IRA provider focused on alternative investments through retirement accounts, with similar fee and account-type structure to IRA Financial.
- Kingdom Trust (iTrust): Qualified custodian for self-directed IRAs and cryptocurrency retirement accounts; directly competes in the crypto IRA segment where IRA Financial's IRAFi Crypto product operates.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
IRA Financial Group social profiles
Digital presenceIRA Financial Group compliance and trust
Trust signalCompliance1 record
IRA Financial Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
IRA Financial Group leadership team
Management profileNumber of profiles
Profiles2 records
IRA Financial Group funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
IRA Financial Group M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about IRA Financial Group
What does IRA Financial Group do?
IRA Financial Group operates as a self-directed retirement account custodian and facilitator, enabling individuals and self-employed business owners to invest retirement funds in alternative assets such as real estate, cryptocurrency, private placements, and precious metals, alongside traditional stocks and ETFs, through a suite of tax-advantaged account structures including Self-Directed IRA, Checkbook IRA, Solo 401(k), ROBS, SEP IRA, SIMPLE IRA, Self-Directed HSA, Coverdell ESA, and Crypto IRA. The company delivers these accounts via its proprietary web and mobile platform with real-time trading, Checkbook Control via LLC, an IRS Audit Guarantee, and in-house compliance support, all under a flat annual fee model.
Is IRA Financial Group a public or private company?
IRA Financial Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was IRA Financial Group founded?
IRA Financial Group was founded in 2010. It employs 51 to 100 people.
Where is IRA Financial Group based?
IRA Financial Group is headquartered in Miami Beach, United States, in the North America region.
How does IRA Financial Group make money?
One revenue line is on record: annual Account Fees.
Who are IRA Financial Group's main competitors?
NewRetirement is listed as an emerging player. Broad incumbents are Fidelity Investments and Charles Schwab. Direct peers are Alto (formerly AltoIRA), Equity Trust Company, Millennium Trust Company, Strata Trust Company, Rocket Dollar, uDirect IRA and Kingdom Trust (iTrust).
Does IRA Financial Group have an API?
No public API is recorded for IRA Financial Group.
What industry is IRA Financial Group in?
IRA Financial Group's product category is Self-Directed Retirement Account Services. Its primary akta.pro industry code is FSAAAAAJ, Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail), with a secondary code of FSAEAAAD, Retirement & Pension Planning (401(k)/IRA). Its NAICS code is 525 and its SIC code is 6199.