Self-Directed IRA
Invest beyond traditional assets with full IRA tax advantages
What is a Self-Directed IRA?
A Self-Directed IRA is a retirement account that gives you control to invest in alternative assets beyond traditional stocks, bonds, and mutual funds.
With a Self-Directed IRA, you maintain all the tax advantages of a traditional or Roth IRA while expanding your investment options to include real estate, private equity, precious metals, and many other alternative investments.
Traditional vs Roth IRA
Choose the option that best fits your retirement strategy
Traditional IRA
Contributions
Tax-deductible in the year you contribute, reducing your current taxable income.
Growth
Earnings grow tax-deferred until withdrawal.
Withdrawals
Taxed as ordinary income when withdrawn in retirement.
RMDs
Required Minimum Distributions begin at age 73.
Those who expect to be in a lower tax bracket in retirement.
Roth IRA
Contributions
Made with after-tax dollars (not tax-deductible).
Growth
Earnings grow completely tax-free.
Withdrawals
Qualified distributions are 100% tax-free in retirement.
RMDs
No Required Minimum Distributions during your lifetime.
Those who expect to be in a higher tax bracket in retirement or want tax-free withdrawals.
Investment Options
Diversify your retirement portfolio with alternative assets
Real Estate
- Residential properties
- Commercial buildings
- Raw land
- Rental properties
Private Equity
- Startups
- Private companies
- Partnerships
- LLCs
Precious Metals
- Gold
- Silver
- Platinum
- Palladium
Private Loans
- Mortgages
- Trust deeds
- Promissory notes
- Tax liens
2024 Contribution Limits
Under Age 50
Maximum annual contribution
Age 50 and Older
Includes $1,000 catch-up contribution
Important Rules
Prohibited Transactions
Avoid self-dealing and transactions with disqualified persons (you, spouse, parents, children).
Investment Property
IRA-owned property must be for investment only - no personal use or benefit allowed.
Expenses
All investment expenses must be paid from IRA funds, and all income goes back to the IRA.
Ready to Diversify Your Retirement?
Open your Self-Directed IRA today and start investing in what you know best