Planning for retirement is a key financial step every American should take seriously. To ensure a secure future, the IRS encourages individuals to establish their own retirement savings plans, particularly through an IRA (Individual Retirement Account). In this arena, IRA Financial Group stands out, offering unique guidance on how to grow your wealth by investing in alternative assets instead of sticking only to traditional investments like stocks or bonds.
But can the IRA Financial Group truly be trusted to manage and guide your retirement savings? Or is it another firm with lofty promises but mixed results? As with any major financial decision, it’s crucial to fully understand the company you’re entrusting your future to.
In this detailed IRA Financial Group review, we’ll dive into everything this company offers, from their innovative services to their standout features — so you can make an informed decision about your financial future.
IRA Financial Group: A Brief Overview
IRA Financial Group was founded over a decade ago by Adam Bergman, a former ERISA professional and tax attorney with top global firms under his belt. His mission was clear: give retirement account holders the freedom to diversify beyond traditional financial institutions and seize new investment opportunities through self directed IRAsand solo 401(k) plans.
Since launching in Miami, Florida, the firm has helped over 23,000 clients manage more than $4.6 billion in alternative investments like precious metals, real estate, and cryptocurrencies. Clients regularly praise the company’s transparent management, innovative approach, and the security offered by the IRA Financial app.
Their success is no accident — it’s built on combining strong legal knowledge, cutting-edge technology, and a client-first mentality.
The Best Gold IRA Companies in 2025
Before I get started with this review, I want to inform you that I have reviewed dozens of precious metal IRA companies over two decades, and I have curated a list of the top 5 gold IRA companies in 2025. I highly recommend reading this article before proceeding with an IRA transfer.
The #1 Best Gold IRA is Augusta Precious Metals, with its A+ rating from Better Business Bureau, hundreds of 5-star reviews, and lifetime account support. Read my review on Augusta Precious Metals, or visit the official Augusta website to learn more.
What Makes IRA Financial Group Stand Out
Several unique features truly set IRA Financial apart in the crowded retirement investment space.
Three Types of Self-Directed IRAs
IRA Financial Group offers three flexible self directed plans to suit a variety of investors:
Self-Directed Roth IRA: Funded with after-tax dollars, this account allows tax-free withdrawals in retirement, perfect for those planning ahead. Contribution limits depend on your modified adjusted gross income (MAGI).
Self-Directed IRA: Standard IRA that opens access to alternative investments like real estate, precious metals, and cryptocurrency, with no minimum investment requirements.
Self-Directed IRA LLC: This innovative structure provides “checkbook control,” letting you manage transactions directly through a dedicated LLC, without needing custodian approval at every step.
Each option helps you move away from the limitations of traditional financial institutions, giving you more power over your retirement funds.
Solo 401(k) for Self-Employed
If you’re a sole proprietor or entrepreneur without full-time employees, IRA Financial offers a Solo 401(k) plan that allows contributions up to $73,500 annually (for those 50+).
Key benefits include:
Higher contribution limits compared to IRAs
Ability to invest in alternative assets
Easy emergency withdrawals up to $50,000
Lower costs compared to setting up an LLC
IRA Rollovers Made Simple
Switching from an existing retirement account has never been easier. Through the IRA Financial app, clients can transfer or rollover funds from:
Traditional IRA
Roth IRA
SEP IRA
401(k) and 403(b) plans
The process is streamlined with dedicated client support for each step.
The ROBS Program (Rollovers as Business Startups)
One standout offering is their ROBS option — enabling you to fund your own startup using your retirement savingswithout triggering early withdrawal penalties.
Through ROBS, your retirement account buys stock in a newly formed corporation, giving you full control to use those funds to launch or invest in a business.
Educational Resources and Consultations
IRA Financial Group doesn’t just offer investment vehicles; they educate their clients thoroughly. Through their Learn Center, you’ll find:
A dedicated YouTube channel with videos on self directed IRAs, 401(k)s, prohibited transactions, and the IRAfi crypto platform
A comprehensive financial blog covering strategies, risks, and tax laws
Podcast series hosted by Adam Bergman delivering insights on the latest in alternative investments
These free resources help you become a smarter investor for life — not just a client.
How to Invest with IRA Financial Group
Starting your investment journey with IRA Financial is remarkably simple:
Step 1: Create an Account
Register on the IRA Financial app and select the plan type that matches your goals.
Step 2: Transfer Your Assets
Fund your account via direct contributions or rollover from an existing retirement account.
Step 3: Start Investing
Consult with their experts to pick the best IRS-approved alternative assets for your portfolio, from precious metals to real estate and crypto.
Step 4: Manage and Grow
Use their tools and checkbook control options (for LLC IRAs) to manage and grow your investments with maximum flexibility.
IRA Financial Group Fees
Their transparent pricing is another major advantage:
Plan | Setup Fee | Annual Fee |
|---|---|---|
Self-Directed IRA | $0 | $400 |
Self-Directed IRA LLC | $999 | $400 |
Solo 401(k) | $699 | $399 |
IRAfi Crypto (crypto-only) | $0 | $100 |
No hidden transaction fees, no surprise costs — everything is clearly explained upfront.
IRA Financial Group Rating on Consumer Sites
Consumer Platform | Rating | Reviews | Complaints (Last 12 months) |
|---|---|---|---|
Better Business Bureau (BBB) | A+ | 10 | 0 |
TrustPilot | 4.3/5 | 125 | 12 |
These stellar ratings reflect strong client satisfaction and the company’s commitment to ethical business practices.
Pros & Cons
Let’s face the reality and consider facts.
The Pros
- Excellent ratings on Better Business Bureau and TrustPilot
- Wide variety of alternative investments including crypto and precious metals
- Transparent fees and simple processes
- Unique features like ROBS and checkbook control
- Extensive educational resources for retirement account holders
The Cons
- Account opening process can be slow for some clients
- Website content outside the Learn Center could be more detailed
The Verdict
After extensive research, it’s clear that IRA Financial Group stands as a trusted leader among alternative assetinvestment firms. Their experience, client-first approach, and wide range of flexible self directed plans make them an excellent choice for retirees seeking control over their retirement savings.
That said, due diligence is essential — especially if speed is a critical factor for you. Otherwise, for those seeking true financial freedom and portfolio diversification, IRA Financial Group deserves serious consideration.
IRA Financial Group Frequently Asked Questions – FAQ
Yes, with over 23,000 clients, $4.6 billion in advised assets, and high ratings across consumer sites, IRA Financial Group has proven itself as a reliable partner for retirement planning.
By opening a self directed IRA or IRA LLC, you can invest directly into residential, commercial, or land properties without needing custodian approval for each transaction.