Holiday Closure: Our offices will be closed on Thursday, November 24, and Friday, November 25, 2022, in observance of the Thanksgiving holiday.  We will reopen for regular business hours on Monday, November 28, 2022. 
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Top 10 Frequently Asked Questions

  • How do I access my account online?
    You may access your account at any time through our secure online account portal.  If you have not registered for online account access, please complete the registration process to access your account.  You may also review our Online Account User Guide for additional assistance. If you are unable to access your account after registration, please contact our Client Services team at 866.928.9394.
  • What are STRATA's service fees?
    STRATA’s account fee schedule may vary depending on the type of investments you hold and the services you require. To learn more about STRATA’s service fees, please see our IRA Fee Schedule for more information.
  • What types of investments are permitted within my STRATA IRA?
    STRATA allows you to diversify your self-directed IRA with investments such as real estate, precious metals, crowdfunding, trust deeds, brokerage accounts, private equity and much more. Learn more about your investment options at https://www.stratatrust.com/self-directed-iras/investment-options/.
  • What is a Direct Transfer?
    A direct transfer is the movement of IRA funds or assets directly from one IRA custodian to another. Through a direct transfer, the IRA owner never takes possession of their retirement funds or assets. The main advantage of a direct transfer is that there is no tax liability or IRS reporting with the distribution. This is because funds are transferred from one institution to another. In most cases a direct transfer is a simpler option as it avoids having to comply with the 60 day rule and the possibility of incurring taxes and penalties.
  • What is a Rollover?
    An IRA rollover is the movement of funds between two qualified retirement plans, such as from a 401(k) plan to an IRA, or from one IRA to another IRA. Rollovers may be subject to federal income tax unless all requirements are met (completed within 60 days and the same property is rolled over). Rollovers typically occur when you change jobs or retire and can take 2-6 weeks to complete. Rollover rules, which became effective in 2015, now limit each taxpayer to one IRA rollover during a 12-month period. Rollovers usually take place by one of these two methods: Indirect Rollover or Direct Rollover Consult your tax professional or contact us for assistance to make sure you understand and follow the rules.
  • How do I request a complete distribution of my IRA account?
    Please complete the appropriate IRA Distribution Request Form (links below).  The form provides STRATA  instructions for the assets you are requesting (assets include cash and all other holdings which contribute to the overall account value). You should consult with your tax professional regarding any possible tax consequences of your distribution request. Please see our  STRATA IRA Fee Schedule to determine the fees associated with this request.
    • Mark "Complete" in Section 3 of the Form
    IRA Distribution Form Links:  

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Connect with client services

STRATA has over 350 years of expertise in the custody of alternative assets. Ask us anything! A member of our customer support team is ready to help.

Address:

STRATA Trust Company
7901 Woodway Drive
Waco, TX 76712

Hours of Operation:

Monday – Friday
8:00am – 5:30pm Central Time


Overnight packages and deliveries:

STRATA Trust Company
7901 Woodway Drive
Waco, TX 76712

USPS mailing of new account applications or service/processing requests:

STRATA Trust Company
PO Box 23149
Waco, TX 76702

Overnight payments and deliveries:

STRATA Trust Company
901 S. Mopac Expressway
Barton Oaks Plaza II, Suite 100
Austin, TX 78746

All payments:

STRATA Trust Company
PO Box 849
Austin, TX 78767

Pay Fees Online

ACH/Wire Instructions

Please complete and submit the Deposit Certification prior to the fund being sent. Funds received without prior notification may cause delays in processing. Funds should be sent to STRATA IRA as shown below

Wire Instructions

Bank Name: Horizon Bank

Bank Address: 600 Congress Ave Austin, TX 78701

ABA: 111907940

For Credit To: STRATA Trust Company, Custodial Account

Account #: 4515532

For Further Credit To: Account holder’s Name, IRA#

ACH Instructions

Bank Name: Horizon Bank

Bank Address: 600 Congress Ave Austin, TX 78701

ABA: 111907940

For Credit To: STRATA IRA Acct # and Accountholder’s Last Name

Account #: 4515532

Account Type: Checking/DDA

Please complete all applicable information on the Deposit Certification and submit along with the check. If funds are being sent via ACH or wire, please email or fax the Deposit Certification to our Accounting group prior to sending the funds.

Worried about missing important payment deadlines?

Turn the payment of your IRA fees, including transaction fees, on cruise control with AutoPay. It’s an easy, hassle-free way for handling routine payments of your STRATA account fees. Enrollment is easy and only takes a few minutes.

Enroll in autopay

Expand Your IRA Tax Knowledge

Hurricane Ian Resources

We at STRATA are saddened to hear about the tragic weather events taking place across the Southeastern U.S. and would like to extend a helping hand to those affected in...

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SEP IRA Contribution Deadlines for 2022

If you have a SEP IRA, there are upcoming deadlines to be aware of. October 17, 2022, is the deadline to establish a Simplified Employee Pension (SEP) retirement plan and...

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October 2022 Deadlines for Self-Directed IRAs

In addition to pumpkins and trick-or-treats, October closes the window on the prior tax year for most filing purposes. October 15 is typically your last chance to file your tax...

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Never Miss a Communication

Have you ever waited on an email, gotten frustrated when you couldn’t find it, just to realize that it wound up in SPAM? Whitelisting will let you directly add important addresses to your approved recipient list.
  • Android Whitelist Instructions
    Open an email from the sender you wish to whitelist, click their icon/picture, and then click "Add to Contacts."
  • Apple Mail Whitelist Instructions
    Apple Mail doesn’t have the option to whitelist like some other email providers do. Instead, all you can do is mark something as “Not Junk” and it will be sent to your inbox. Here’s how:
    1. Open your Mail app and go to the Mailboxes screen.
    2. Select the Junk folder.
    3. Find the email you want to whitelist and swipe left to see options.
    4. Tap the More button.
    5. Tap the Mark button.
    6. Tap the Mark as Not Junk button.
  • Gmail Whitelist Instructions

    Gmail does not provide a quick fix for whitelisting. The best way is to add STRATA as a contact in your Gmail database. Google will send any incoming emails from your contact list directly to your inbox. You can create a contact from an existing email or create a brand new contact without having an email. 

    • Create a contact from an existing email:

    1. If your email is in the Spam folder, move it into your Inbox. (You can do this by clicking the "x" next to Spam)

               

    2. Find and open the email now located in your inbox. Once the email is open, click on the contact name (STRATA Trust Company). Then click More Info.

               

    3. On the far right, you will see the contact details pop up. Click the Add Contact button.

       
    • Create a brand new contact in Gmail:  

    If you not getting any emails at all, use this method to add contacts directly to your address book.

    1. Log in to your Gmail account. Click on your profile icon, located on the far right of the screen

    2. Click Manage your Google Account

    3. Click People & Sharing

    4. Click Contacts

    5. Click Create Contact

  • Outlook Whitelist Instructions
    For Outlook 20XX and Outlook 365
    • Make sure the Home tab is selected (1), then click on the Junk inbox (2) and find the email you would like to whitelist
    • (3) Highlight the selected email (click on the email 1x to highlight without opening it fully)
     
    • Select Junk (4), then select Never Block Sender's Domain (@example.com)
  • Yahoo Whitelist Instructions
    Yahoo does not guarantee messages from desired senders won't be sent to spam, but the steps below will help. Add a Contact to Yahoo Account: 
    1. From Yahoo Mail, select the Contacts icon
    2. Select Add a new contact
    3. Enter the sender’s information, including the sender email address
    4. Select Save
    Unmark email as spam: 
    From a mobile browser
    1. Go to Yahoo Mail in your mobile device’s web browser
    2. Tap the Sidebar menu icon
    3. Tap the Spam folder
    4. Select the desired email from the sender
    5. Tap the Move icon
    6. Tap Inbox
    From a computer
    1. Go to Yahoo Mail on your computer’s web browser
    2. Select the Spam folder If you don’t see the “Spam” folder, select More below the “Sent” folder
    3. Open the desired email from the sender
    4. Select Not Spam at the top of the page and the email will return to your Inbox
  • Additional Clients Whitelist Instructions

    For more information about whitelisting additional email clients, you can refer to LifeWire's resource How to Whitelist Email Addresses.