What Is a Self-Directed IRA (SDIRA)?

A Self-Directed IRA, or “SDIRA,” is a retirement account (Roth, Traditional, SEP, Inherited) that allows the account holder to invest in a wide range of alternative assets not typically available through traditional brokerage firms.

Unlike standard IRAs that are limited to mutual funds, stocks, and bonds, SDIRAs allow investments in real estate, promissory notes, precious metals, private company stock, and more—as long as the investment is permitted by law.

What makes the account “self-directed” is the freedom to choose your investments while working with a custodian who administers them and reports them to the IRS.

Why Haven’t You Heard of SDIRAs Before?

The majority of U.S. retirement accounts are held at large financial institutions that primarily offer publicly traded assets. These firms rarely support alternative investments like real estate or private companies because they’re harder to administer and don’t generate commissions or management fees for the firm.

Simply put, Wall Street firms are in the business of selling Wall Street products.

Directed IRA is different. As a licensed trust company that does not sell investments, our sole focus is on enabling our clients to invest in the assets they choose—including:

Real estate
Private companies
Promissory notes or trust deeds
Precious metals
Hedge funds and private placements
And other IRS-approved alternative investments

We specialize in the custody and compliance side of self-directed investing—you bring the investment, we handle the rest.

Key Benefits of a Self-Directed IRA

Expanded investment options beyond stocks and mutual funds
The ability to invest in what you know—whether that’s real estate, startups, or private lending
Powerful tax advantages through Traditional and Roth account structures
Greater diversification and control over your retirement strategy

Note:

As mentioned, Directed IRA does not sell or endorse any investments. We are a passive custodian, meaning we process and report investments that our clients choose and direct. Every investor should perform their own due diligence and consult with legal or tax advisors where needed

Book a New Account Call with Directed IRA

Our entire Directed IRA team is friendly, knowledgeable, and genuinely excited to help you. Reach out to any of our specialists today and take the first step toward self-directing your IRA or Solo 401(k)!