Heritage IRA

What Heritage IRA does

Heritage IRA Inc. is a privately held, founder-led third-party administrator of self-directed retirement accounts, operating from a corporate office in Sandy, Utah under South Dakota governing law. The company administers Self-Directed IRAs and Solo 401(k) plans that allow individuals to hold alternative assets — real estate, private equity, precious metals, and cryptocurrency — within tax-advantaged retirement structures, while Heritage IRA handles compliance documentation, IRS reporting (Form 5498, Form 1099-R), transaction processing, fair market valuation tracking, and prohibited-transaction guidance. Distribution is US-only, delivered through a self-serve online platform with 24/7 portal access (my.heritageira.com for IRAs, solok.heritageira.com for Solo 401(k)), supplemented by free consultations with IRA specialists and outreach to investment sponsors, fund managers, fintech platforms, and a dedicated veteran pricing program (Operation: Freedom to Save).

Revenue is generated primarily through recurring annual administration fees ($300 per asset under the Asset Holding Plan, $750 flat under the Unlimited Plan, plus $100 per holding and $125 storage for precious metals), per-transaction and wire fees, and Solo 401(k) plan administration fees ($85 setup plus $1,500 annually). The go-to-market blends product-led self-service account opening (account setup achievable in three business days), sales-led specialist consultations, and a channel-partner motion led by a dedicated Chief Business Development Officer. The named team is small (six people across CEO, CBO, Trust Manager, Operations Manager, Operations Specialist, and Customer Service), drawing on prior experience at Wells Fargo, Solera National Bank, and other banks, trust companies, and retirement platforms. No external funding rounds, acquisitions, or institutional ownership have been disclosed, and the company competes in a fragmented self-directed IRA custodian market on the basis of digital workflow speed, transparent pricing, and responsive human service.

Name

Heritage IRA

Legal name

Heritage IRA Inc.

Website

https://heritageira.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Heritage IRA is a third-party administrator offering self-directed IRAs and Solo 401(k)s that enable individuals to invest retirement funds in alternative assets such as real estate, private equity, precious metals, and cryptocurrency.

Ownership category

akta.pro rank

Product category

Self-Directed Retirement Account Administration

NAICS

Pension Funds (525110), Trusts, Estates, and Agency Accounts (52592)

SIC

Finance Services (6199)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

Keywords

• Self-directed IRAs
• Solo 401(k) plans
• Alternative asset administration
• Retirement account custody
• Third-party administration

Headquarters

HQ city

Sandy

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Annual Account Administration Fees: Recurring annual fees for account administration. Two pricing options: Asset Holding at $300 per asset per year, or Heritage Unlimited Plan at $750 flat annual fee for unlimited assets. Precious metals are billed separately at $100 per holding plus $125 depository storage annually.
2. Transaction Fees: Per-transaction fees charged for investment purchases, sales, or exchanges. Wire transfer fees of $35 for outgoing domestic transfers. These are usage-based charges tied to account activity.
3. Solo 401(k) Plan Fees: One-time setup fee of $85 for new Solo 401(k) plans plus $1,500 annual plan administration fee covering plan compliance and administration. Participant loan setup has an additional fee.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Heritage IRA administers self-directed IRAs and Solo 401(k)s that allow individuals to invest retirement funds in alternative assets including real estate, private equity, precious metals, and cryptocurrency. The firm handles account setup, transaction processing, IRS reporting, fair market valuation tracking, and prohibited transaction compliance while customers retain control of investment decisions. Pricing is built around flat annual administration fees plus per-transaction charges.

Product overview

Heritage IRA is a third-party administrator (TPA) offering self-directed retirement account services through two core products: the Self-Directed IRA and the Solo 401(k). The Self-Directed IRA enables investors to allocate retirement funds toward alternative assets including real estate, private equity, precious metals, and cryptocurrency while the company manages compliance, documentation, and IRS reporting. The Solo 401(k) targets self-employed individuals and business owners without full-time employees, providing higher contribution limits and participant loan capabilities. Both products are supported by the company's technology-driven platform featuring online account setup, digital workflows, document handling, and 24/7 account access. Heritage IRA also offers a veteran-specific pricing program called Operation: Freedom to Save.

Differentiator

Problem solved

Functional benefit

Brands

• Operation: Freedom to Save: Veteran IRA discount program offering $17.76 first-year fee for U.S. veterans and active duty service members, with all other first-year fees waived.

Products and services

• Self-Directed IRA A retirement account administered by Heritage IRA that gives the account holder control over investment choices, including alternative assets such as real estate, private companies, precious metals, and cryptocurrency, with Heritage IRA handling compliance, paperwork, and IRS reporting on behalf of the investor.
• Solo 401(k) A retirement plan administered by Heritage IRA for self-employed individuals with no full-time employees, offering higher contribution limits than traditional IRAs, alternative investment options, and participant loan capability up to $50,000.
• Operation: Freedom to Save (Veteran Discount Program) A special first-year pricing program for U.S. veterans and active duty service members that offers the annual fee of $17.76 with all other first-year fees (setup, transfer, and transaction) waived, using a service photo instead of verification paperwork.

Quantifiable outcome

• Account opening and investing can begin in as little as 3 business days
• +1 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators2 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• The Entrust Group: Long-standing SDIRA custodian/administrator supporting alternative-asset IRAs and Solo 401(k)s. Competes for the same self-directed investor personas; differentiated primarily by incumbency rather than modern tech stack.
• uDirect IRA Services: Self-directed IRA administrator supporting alternative investments with a digital platform; comparable product scope and target customer as Heritage IRA, including real estate and private placements.
• New Direction IRA: Direct competitor offering self-directed IRAs and Solo 401(k)s for alternative investments including real estate, private equity, private lending, and precious metals with white-glove customer service emphasis.
• IRA Financial Group: Direct competitor specializing in Checkbook LLC self-directed IRA and Solo 401(k) structures, an offering Heritage IRA explicitly markets. Competes for the entrepreneur/real estate investor segment with similar fee structures.
• Preferred Trust Company: SDIRA and Solo 401(k) administration provider for alternative assets. Similar trust-company operating model, comparable fee structure, and direct competition for the same alternative-investor personas.
• Strata Trust Company: Self-directed IRA custodian administering alternative-asset retirement accounts. Same core product, similar pricing model ($300+/asset), same trust-company operating structure as Heritage IRA's Trust Manager function.
• Rocket Dollar: Direct competitor offering self-directed IRA and Solo 401(k) accounts with a similar modern, tech-led onboarding experience and a strong checkbook LLC proposition. Targets the same self-directed investor persona as Heritage IRA.
• Alto IRA: Direct competitor providing self-directed IRAs (Traditional, Roth, SEP) with transparent flat-fee pricing, a modern digital experience, and support for alternative investments including real estate, private equity, and crypto. Targets the same DIY alternative-asset investor persona as Heritage IRA.
• Equity Trust (Capital Group): Large incumbent SDIRA custodian administering self-directed IRAs across real estate, private equity, precious metals, and notes. Same core product (self-directed IRA administration) and similar fee model, but with much greater scale and institutional parentage.

Emerging players

• Bitcoin IRA: Crypto-focused self-directed IRA provider. Overlaps with Heritage IRA on the digital-asset menu but is narrower in scope (crypto-only) and competes for the same crypto-curious retirement investor demographic.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/heritage-ira

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

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 Heritage IRA