Self-Directed Roth Accounts and Self-Directed IRAs
Self-directed retirement accounts let you invest in assets beyond traditional stocks and bonds, including real estate, private equity, precious metals, and other alternatives. A self-directed IRA grows on a tax-deferred basis. A self-directed Roth IRA grows tax-free, provided IRS rules are followed.
What Is a Self-Directed Account?
A self-directed retirement account, in either traditional or Roth form, gives you the freedom to invest in a much wider range of assets than a typical brokerage IRA. This includes real estate, private placements, precious metals, and more.
The tax treatment mirrors the underlying account type. A self-directed traditional IRA defers tax on growth and on contributions, with tax due on distributions in retirement. A self-directed Roth IRA, when funded with after-tax dollars and held according to IRS rules, allows growth and qualified distributions to be received tax-free. The difference between the two is the timing of the tax, not the investment flexibility.
Why Most People Don't Know About Them
Most custodians (like large brokerages) only offer their own products. Self-directed accounts require a specialized custodian and a knowledgeable advisor. Because there is no financial incentive for large brokerages to promote them, most investors never learn they exist.
How We Help
We guide you through the process of establishing a self-directed account, selecting a custodian, and identifying appropriate investments. We also help ensure compliance with IRS rules to protect your tax-advantaged status. Learn if this is right for you.
A Quiet Invitation
Self-directed accounts open the door to a wider world of investments, but the rules are unforgiving. Let us help you set up the structure correctly and put it to work without jeopardizing your tax-advantaged status. We do not believe in pressure or hard pitches. We believe in the right relationship with the right people at the right time.
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