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Fees
Matter.
American IRA has structured a truly unique fee schedule to allow our clients to retain as much profit as possible.
Trusted by
Happy investors
Our Plans
Our Fees Stay Low As You Grow
Most self-directed providers charge a per-asset annual fee or an assets-under-management fee similar to an advisor. These fees can equate to paying your custodian thousands of dollars every year for administration services.
At American IRA, we charge no fees based on your account value or the number of assets you hold, so your fees stay low while your account grows.
$0
Extra Per-Asset Fees
0%
Account Value Fees
$0
Annual Fees Until First Transaction
Starter
Get started risk-free
FlatFee IRA™ Flex
Low per-transaction fee
(Small accounts)
*Annual fee reduced for accounts under $7,500.
FlatFee IRA™ Unlimited
Unlimited free transactions
(Small accounts)
*Annual fee reduced for accounts under $7,500.
Starter
Get started risk-free
FlatFee IRA™ Flex
Low per-transaction fee
(Small accounts)
*Annual fee reduced for accounts under $7,500.
FlatFee IRA™ Unlimited
Unlimited free transactions
(Small accounts)
*Annual fee reduced for accounts under $7,500.
Self-Directed IRA Fee Types
Self-Directed IRA Fees Explained
Self-directed retirement fees can be broadly grouped into the four types shown here. Our Fee schedule tables are color coded to show which category each charge falls under.
See Full Fee ScheduleSetup Fee
The one-time cost of opening your self-directed account. All American IRA accounts have a low $50 setup fee with no hidden extras.
Recordkeeping Fee
This annual fee covers the costs of maintaining your account's compliance with regulations, completing IRS reporting, and keeping your account records up to date.
Transaction Fees
Per-transaction fees that cover the cost of the paperwork and documentation needed to complete the purchase or sale of an asset in your account.
Miscellaneous Fees
We may charge a one-time fee for additional work such as document reproduction, expedited reviews, research, and other special services.
Fees in Detail
American IRA Fee Schedule
Expand the tables below for full information about our fees.
Fees in Detail
Expand the tables below for detailed information about our fees.
Setup Fee
One-time account setup fee.
Setup Fee
One-time account setup fee.
All accounts incur a one-time setup fee of $50.
Annual Record Keeping Fees
Annual fee charged for account administration.
Annual Record Keeping Fees
Annual fee charged for account administration.
| Plan | Small AccountsBalance < $7,500 | StandardBalance ≥ $7,500 |
|---|---|---|
| FlatFee IRA Starter | $0/y | $0/y |
| FlatFee IRA Flex | $165/y | $285/y |
| FlatFee IRA Unlimited | $330/y | $450/y |
Transaction Fees
Fees related to the purchase and sale of assets.
Transaction Fees
Fees related to the purchase and sale of assets.
| Plan | Fee(Per Transaction) |
|---|---|
| FlatFee IRA Flex | $95 |
| FlatFee IRA Unlimited | $0 |
Processing Fees
Fees incurred in relation to routine account operations such as withdrawals.
Processing Fees
Fees incurred in relation to routine account operations such as withdrawals.
Wire TransferIncoming or outgoing. | $30 |
Cashier's CheckIncludes overnight shipping. | $50 |
ACH/Trust/Voided Checks | $10 |
Certified Mailing | $10 |
Overnight MailProcessing fee, exclusive of shipping costs. | $20 |
Notary | $5 |
Miscellaneous Fees
One-time fees for extra work in special situations.
Miscellaneous Fees
One-time fees for extra work in special situations.
Account establishment | $50 |
Exchange, re-registration, re-characterization of an asset/Liability or leveraged Asset | $95 |
Expedited review | $95 |
Special servicesIncluding but not limited to research of closed accounts, processing foreclosures, and tax issues. | $75 per half-hour |
Partial or full account terminationIncludes transfer of assets from your account and lump-sum distributions | .005 of the termination value (plus applicable processing/misc. fees) in the range $150-max $250 |
Deposit researchApplicable if deposit coupon is not included with deposit. | $25 |
Copy/Cleared/Canceled checks, Reproducing tax documents (5498/1099), Duplicate Statements | $15 |
Returned Items, Stop Payment Request, Credit Card Decline | $30 |
Regularly Scheduled Distribution Fee (Monthly/Quarterly/Annually) | $25 |
990-T Processing, Reversal of Fees for Alternate Payment Method | $50 |
If fees are deducted from your account causing your cash balance to fall below the required minimum account balance | $25/mo until account is brought back to the minimum balance |
Federal or State Tax Withholding | $10 |
How it Works
Three Steps to Tax Efficient Investment
Establishing a self-directed retirement account is easier than you think.
- 1
15 Minutes
Get a Free Consulatation
Our friendly team will help you decide which self-directed account offers the cheapest and most tax-efficient investment vehicle in your current situation.
- 2
1-3 Days
Create Your Account
Creating an account is quick and easy. Fill in our application form and your account could be up and running in as few as 4 business days. With American IRA, you pay no annual fees until your first transaction!
- 3
Make Your First Investment
When you're ready to invest, you can fund your purchase with regular contributions or using funds transferred from another account. Our team can advise you on the most tax-efficient form of funding.
I'm a new account holder at American IRA and every step of the process has been seamless with fast responses to all my questions.
I set up a self directed IRA through American IRA and over the last year, every point of contact with them has been impressive.
I have enjoyed over 10 years working with American IRA. They have shown me things to grow our retirement in ways I could have never thought of myself.
Trusted by
Happy investors
Let's Get You Started.
Get Started Now, and Pay $0 Until Your First Transaction
Setting up self-directed retirement account is easier than you think. In 15 minutes I can walk you through.
Kyle Moody
Businsess Development Specialist
American IRA LLC