Work with IRA Financial Trust to establish your Self-Directed IRA or Checkbook IRA account today

IRA Financial Trust Company is one of the few IRA custodians in the country that specializes in establishing Self-Directed IRA with Checkbook Control accounts.

IRA Financial Trust Company was founded by tax attorneys who worked at some of the largest law form in the world, including White & Case LLP and Dewey and LeBoeuf LLP, and have helped over 15,500 clients self-direct their retirement funds through their ownership in the IRA Financial Group LLC.

IRA Financial Trust Company is a regulated non-banking financial institution that is made up of retirement tax specialists committed to helping you make Self-Directed retirement investments quickly while minimizing annual fees. IRA Financial Trust is a non-banking IRA custodian.

The IRA Financial Trust Advantage

  • One low annual fee
  • No transaction or annual account asset fees
  • IRA Financial Group has helped over 15,500 clients establish Self-Directed retirement accounts totaling nearly 4.9 billion dollars since 2010
  • Work with Self-Directed IRA experts
  • Experience our Continuing Retirement Education (CRE) Platform
  • Invest in what you know and understand from the comfort of a local bank
  • Specializing in Checkbook Control Self-Directed IRAs


  • Assisting in opening & funding your IRA account
  • Making the investment(s) on your behalf
  • Making distributions & paying expenses per your request
  • Providing you with quarterly statements
  • Answering questions about your account and our procedures
  • Reporting information required by the IRS and other governmental agencies
    • IRS Form 1099R - Distributions from your IRA
    • IRS Form 5498 - Contributions to, and Fair Market Value of, your IRA


As a Custodian of Self-Directed accounts, we are not permitted to give investment, legal or tax advice.

A World of Investment Opportunities

With a Self-Directed IRA you can invest in almost any type of investment, including real estate, private business entities, tax liens, and precious metals without tax.  A Self-Directed IRA allows you to better diversify your retirement portfolio and invest in what you know and understand.


The Internal Revenue Code does not describe what a Self-Directed IRA can invest in, only what it cannot invest in. Internal Revenue Code Sections 408 & 4975 prohibits Disqualified Persons from engaging in certain types of transactions. A Prohibited Transaction, which is defined in Internal Revenue Code Section 4975, is any transaction between your retirement account (the Plan) and a “disqualified” person or entity. In general, a “disqualified” person is any lineal ascendant (i.e. parents, grandparents, etc.), descendants (children, grandchildren, etc.), spouse, spouse’s ascendants, descendants or any entity for which a disqualified person has 50% or more ownership.

The following are examples of prohibited transactions:

  • Lending money or engaging in some other extension of credit between the retirement account and a disqualified person. For example, you cannot personally guarantee a loan for the purchase of real estate by your retirement account.
  • Furnishing goods, services or facilities between the retirement account and a disqualified person. For example, you cannot personally make an improvement to a house or piece of property held by your retirement account.
  • Transferring or using by or for the benefit of a disqualified person, the income or assets of a retirement account. For example, you may not use any real estate owned by the retirement account for any personal purpose.
  • Dealing with income or assets of a plan by a disqualified person who is a fiduciary acting in his/her own interest or for his/her own account. For example, you should not loan money from your retirement account to a business you own.
  • Receiving any consideration for his/her personal account by a disqualified person who is a fiduciary from any party dealing with the plan in connection with a transaction involving the income or assets of the plan. For example, you cannot take a salary for managing real estate owned by your retirement account.

For more information about the prohibited transaction rules, please refer to IRS publication 590.


  • Choosing the investment(s)
  • Performing due diligence on the investment(s)
  • Understanding the risks related to your investment(s)
  • Reviewing the SEC Investor Alert on Self-Directed IRAs and the Risk of Fraud
  • Monitoring the investment(s)’ performance
  • Understanding Prohibited Transaction rules (see above) and avoiding them
  • Ensuring that valuations are provided to IRA Financial Trust for all assets on at least an annual basis
  • Understanding IRA Financial Trust Company fees and minimum balance requirement. Please see our FEE SCHEDULE & FINANCIAL DISCLOSURE FORM for more information.

To learn more about the advantages of using the IRA Financial Trust to establish your Self-Directed IRA, please contact a Self-Directed retirement expert at 1-800-472-1043.