IRA Financial Group

Last Updated on May 18, 2024 by Ben

IRA Financial Group

The majority of people have been inquiring about IRA Financial Group. People who want to invest in the firm have been seeking additional information about it before deciding whether or not to invest.

Today, we’ll look at IRA Financial Group for you. What exactly is IRA Financial Group? Is it a hoax or a genuine business? Will this be the firm that works for you, or are there other alternatives out there? These are just a few of the key concerns this brief review will address.

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IRA Financial Group – Some Things for You to Consider

Who is IRA Financial Best For?

This firm is good for people who are looking for a smaller firm that offers a variety of alternative investments, like cryptocurrencies. IRA Financial offers investments that other firms might not allow, which could attract or repel investors depending on their thoughts about cryptocurrencies.

Management Team

Adam Bergman is the founder and CEO of IRA Financial Group and IRA Financial Trust, which is a leader in financial technology. They provide self-directed retirement plans. They are the fastest-growing provider of self-directed retirement plans in the market. IRA Financial has helped over 17,000 people take control of their retirement. They have invested over $4.6 billion in alternative investments.

Mr. Bergman owns two firms that work with pensions, too. He is the author of 7 books about self-directed retirement plans, and he is a leader in this market.”He is a reporter for, and he is on the Forbes Finance Council. He has been interviewed by CBS News, and he has been quoted in over one hundred thirty major news publications – like Businessweek, CNN Money, Forbes, Bloomberg, USA Today, and American Lawyer – about retirement tax planning.

Prior to starting IRA Financial, Mr. Bergman was a tax and ERISA attorney at White & Case LLP, Dewey LeBoeuf LLP, and Thelen LLP, three of the most prominent corporate law firms in the world. He got his B.A. from McGill University and his law degree from Syracuse University College of Law. He also got a Master of Taxation from New York University School of Law. He is a member of the Tax Division of the American Bar Association and New York State Bar Association.

What are Some of the Company’s Financial Features?

IRA Financial is one of the better custodians because it offers check writing, various investment options, and low fees. In fact, it doesn’t have startup or storage fees. However, it does have annual custodian fees and transaction fees. Annual custodian fees range from $180-$360, are deducted quarterly, and are cheaper with checkbook control. Transaction fees are $35 – $45 each time you trade an asset. They change depending on what kind of asset you trade.

IRA Financial GroupClient Protection

If you have a full-service IRA custodian, you are required to keep all of your IRA assets with that custodian. You must also go through the custodian to make any investments. This means that any misconduct by the IRA custodian can risk the individual’s assets held with the IRA custodian.

However, if the individual has a “checkbook control” self-directed IRA LLC, all of their IRA funds are held at a local bank in the name of the LLC, not with an IRA custodian. Jacky Ospina, a retirement tax specialist, said that the clients have found it helpful to keep their IRA funds at a bank they know and trust. This grants them peace of mind that their IRA assets are safe in case something happens with the Self-Directed IRA custodian.

How IRA Financial Group Works

The company helps you manage your retirement account and start new IRA investments. They are registered with the IRS and provide service and attention to each customer.

IRA Financial Group wants to make it easy for you to invest in alternative assets. They want to make it as easy as possible.

They use certain technologies and banking procedures to make the process as smooth and straightforward as possible for their clients.

A financial advisor can help you with your retirement account. They can suggest investments that work well for you. Financial advisors also recommend ways to save money during tax time or for retirement.

IRA Financial Group Investment Options

Real Estate

Under this investment, you can choose among three things. You can buy a mobile home or buy land or something new.

P2P Loans and Even Mortgages

Under this investment option, the company allows people to take out a loan and then give it back.

Physical Precious Metals

The investment options in this category include any type of precious metals you want.

  • Stock options
  • Private placement

The company deals with few types of IRAs, including:

  • Self-directed Roth IRA
  • Solo 401(k)

A self-directed IRA is an account that gives you more investment options than most financial institutions. You need custodial consent to have this type of IRA.

You can utilize a limited liability company to make investments for your self-directed IRA. This way, you have control over what investments are made. Your custodian does not need to approve of the investments you make.
IRAs are the main service that this company offers. If you want more detailed information about these investment options, you can visit their website or talk to their representatives.

Private Placements

Many big companies take the path of an IPO when they want to grow. For a small business, there is another way called a private placement. The private placement means that you can sell securities or membership interests to a few select investors. Investors that are being targeted include wealthy people, large banks, and pension funds. Private disposal is different from a public offering, where securities are made available to any type of investor. A private placement can be used for a range of reasons by a company. A company might use a private placement to get money for its business.

IRA Financial Group’s Customer Care Services

People usually think about how good the services are and how good the customer service is. This company provides great customer care to all of its customers, whether they are new or old. People can use the company’s mobile or online platforms to access services. The company’s website has many resources, like a blog, podcast, and guide to investments, that investors can use to get support. The company is unique because it was founded by a tax professional, which means it has IRS audit protection.

However, the company does not have live chat customer support on its website. Some investors think this is a disadvantage because they cannot ask questions right away. However, you can still email the company or contact them for all the services you require. You can trust that your needs will be met.

Buyback Guarantee

The company does not provide any information about the buyback commitment online. It is also unclear if they will introduce this service any time soon. This might make some investors upset, but the company is new to this industry, and it might take a while before they can offer a buyback guarantee.

IRA Financial Group Fees

The company does not provide this information on its website. Investors are always interested in this before they make a decision, so I will also consider it. This seems strange because it makes investors question the company’s transparency. They believe that over time, the company will update this information on their public website. This is important for investors who need to make decisions. They can tell you to check their website from time to time for updates. If you need this information, you also have the option.

Company Reviews and Complaints

Is IRA Financial Group Genuine?

To be honest, the company is real. They have some problems here and there, but that does not mean they are a scam. I like how they respond to bad reviews. This company may improve its services if it changes its attitude. However, this company has not been impressive to me. I mean, it has only had 30 reviews (at least not compared to its competitors). And most of its competitors of the same age have been more transparent about their charges and have had many more customer reviews. But let’s hope for a better future. The company is genuine and trustworthy, not a scam.


Red Flags


People have asked about the company. Some people are unhappy with the company. One thing that seems bad is that people are unhappy with it. It might not be bad to you, though.

The reviews show that the company has received positive comments from customers, which has resulted in a high rating on most review websites. This is great news for the company. Even with this, the company has very few customer reviews. Yet it has been in operation for more than ten years; what does this mean? It is confusing me. The company only has 30 reviews. To me, this is somehow strange.

Maybe the company can tell us what is happening.


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Pros and Cons of the IRA Financial Group


  • Tax-Free Growth – You don’t have to pay taxes on any money you take out of your Roth IRA account. This is a good way to save money and grow your investments.
  • No Penalty for Contribution Withdrawals – You can take your money out of a Roth IRA at any time and for any reason. It is important to know that the money you put into this account was after-tax, so it does not need to stay in the account.
  • No RMDs – Traditional plans will have required minimum distributions. You must lay hold of the money out of your account when you are 70 and a half years old. It doesn’t matter what type of plan it is, but if it is a Roth, you do not need to take the money out.
  • No Age Limit – You can no longer contribute to a traditional IRA when you turn 70 ½ years old. However, you can still give to a Roth IRA as long as you have earned income in any given year.
  • Estate Planning –If you have a Roth, it can be a good way to plan for your future. You will not have to pay RMDs. The account will keep growing, and it can all go to your beneficiaries when you die.
  • Diversification –You should make sure that your retirement portfolio is properly diversified. This means that you should have a variety of different types of assets in your account, as well as different tax treatments. For example, you might want to consider using a Roth IRA in conjunction with a traditional workplace 401(k). No one knows what will happen with the tax system. That’s why it’s a good idea to have a tax-free account in addition to a tax-deferred account.


  • Low Contribution Limits – The limit for IRA contributions is the same for Roth and traditional IRAs. You are allowed to contribute $6,000 ($7,000 if you are 50 or older) in 2019. However, 401(k) plans offer more than triple the amount that you can contribute to an IRA.
  • No Immediate Tax Break – You don’t get money for taxes when you make contributions to a 401k. You get the money later. But this might not be good if you want your taxes right away.
  • Income Restrictions – Most people can’t directly contribute to a Roth IRA if their income is over $122,000. You may be able to do a rollover from a traditional IRA into a Roth. This doesn’t matter how much money you make.


Augusta Precious Metals

star rating

Star Rating

Augusta Precious Metals is a family-owned company. They sell gold and silver. It can help people create wealth for the future. Augusta Precious Metals can help investors open an IRA account that is not a retirement account. Investors can then buy gold or silver at Augusta Precious Metals.

The United States Securities and Exchange Commission counsels that you diversify your investments. One way is to put money in gold. You can also put money in other metals like silver or platinum. If you put the same kind of metal in your retirement account, it has the same tax-deferred status as other self-directed IRAs.

American Hartford Gold

4.8 star

Star Rating

American Hartford Gold Group is a company that sells gold. You can get gold as bars or coins. Gold and Silver IRAs are different from regular IRAs. These IRAs help you invest in precious metals. They also help you have a better retirement plan with more diversity.

American Hartford Gold offers gold and other precious metals. The metal occurs in either coin or bar form. You can use a gold IRA to invest in these metals without paying any taxes.



4.5 star

Star Rating

Goldco helps people who are old and need money. They make sure they have money so they won’t be poor again. Goldco is a company that does this. A+ is the highest rating a business can get. The Better Business Bureau and Business Consumer Alliance gave them this rating. They want customers to know that they are reliable, ethical and do good things. People who have gold or silver can call to learn more about how they can use it wisely to help reach their retirement goals.

Goldco is a company that can help you set up and maintain an IRA account. They only offer gold and silver IRAs, but you can invest in other precious metals if you want to.


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If you’re not sure where to start with your retirement savings, IRA Financial Group can help. They are a specialist in self-directed IRAs, including gold and precious metals accounts. They operate nationally out of New York City and Miami Beach, Florida, so that investors throughout the country have access to the expertise when it comes to their retirement investment needs.

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