Basic Self-directed IRA
Our Basic Self-Directed IRA (SDIRA) gives investors more control and variety than traditional retirement accounts. By allowing investments in a wider range of assets, an SDIRA can help build a portfolio that fits individual goals, potentially boosting returns and managing risk. This flexibility can make an SDIRA a smart choice for a personalized retirement plan.
Choose your investment
Precious Metals
Bullion-grade metals such as gold, sliver, platinum, and palladium have been held for centuries as stores of wealth. Investors concerned about rising inflation and fiat currencies often hold a portion of their wealth in precious metals.
Private Equity
Diversify into various private equity types, such as venture capital, growth equity, buyouts, distressed investments, real estate private equity, and mezzanine financing.
Crypto Currency
Although originally created for facilitating private payments, crypto has evolved into an asset class with significant growth potential and a hedge against traditional financial systems' volatility. An SDIRA can hold all crypto — Bitcoin, Solana, Ethereum, XRP, DOGE, and even alt-coins.
Agriculture
With careful consideration, investing in agricultural assets is allowed if owned for business use. Livestock — such as cattle or poultry — to acreage leased for row crops or pasture land provide a unique portfolio addition.
Real Estate
Buy and hold rental properties or do fix and flips, all in a tax-advantaged manner. Additionally, buying and selling notes, hard money lending, and passive investments in syndications or funds are all possible with an SDIRA.
Mineral Rights
Land with precious natural resources like oil, gas, timber, water, and more offers a wide variety of passive investment opportunities, such as leasehold interests, royalties, and the rights of extraction
Choose your classification
Traditional
Contributions may be tax-deductible, depending on your income and whether you or your spouse participate in an employer-sponsored retirement plan. Earnings grow tax-deferred, but withdrawals in retirement are taxed as ordinary income. Required Minimum Distributions (RMDs) begin at age 73.
Roth
Contributions are made with after-tax dollars, meaning you pay taxes on the money before contributing. However, qualified withdrawals in retirement (after age 59½ and a five-year holding period) are tax-free, including both contributions and earnings. Roth IRAs do not require minimum distributions during the account holder’s lifetime.
SIMPLE
A SIMPLE (Savings Incentive Match Plan for Employees) is a retirement plan for small businesses, allowing employees to make salary deferrals and requiring employers to contribute a match or fixed percentage. It’s easy to administer, with contribution limits of $16,000 for 2025 (plus catch-up for those 50+).
SEP
This is a retirement plan for self-employed individuals and small business owners. Contributions are made by the employer (which may be the individual if self-employed) and are tax-deductible. Like a Traditional IRA, earnings grow tax-deferred, and withdrawals are taxed as ordinary income. SEP IRAs allow for higher contribution limits than Traditional or Roth IRAs, making them attractive for small business owners.