HOLIDAY CLOSURE: Our offices will be closed on Monday, May 27, 2024, in observance of the Memorial Day holiday. We will reopen for regular business hours on Tuesday, May 28, 2024. 

Open An Account

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Ready to open an account?

STRATA Trust Company’s online application walks investors through opening and funding a new self-directed IRA, allowing you to securely upload supporting documentation – all in one session, all under 10 minutes. Account Opening Instructions >

You're in control

Make your own investment decisions and enjoy investment flexibility beyond what most banks, brokerage firms and other financial institutions allow. Discover new investment options and expand your retirement portfolio options with a STRATA self-directed IRA.

Getting started is easy.

Explore investment options, types of IRAs, and funding options below.

Choose your investments.

Select the type of IRA that fits your needs.

Tell us how to
fund your account.

Select an IRA

Traditional IRA

Contribution Limits 2024:
$7,000
$1,000 catch-up (Age 50+)

A Traditional IRA gives individuals the opportunity to direct pretax income towards investments that can grow tax deferred. Another plus is that no capital gains or dividend income is taxed until it is withdrawn. For individuals who are not active participants in an employer-sponsored retirement plan, IRA contributions are fully deductible at any income level.

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ROTH IRA

Contribution Limits 2024:
$7,000
$1,000 catch-up (Age 50+)

A Roth IRA allows investors the opportunity to set aside after-tax income up to a specified amount each year. Contributions are not tax deductible, but earnings grow tax-free.

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SEP IRA

Contribution Limits 2024:
Employee – $7,000, $1,000 catch-up (Age 50+)
Employer – 25% of employee’s compensation (maximum of $69,000)

Simplified Employee Plan (SEP) is a retirement plan that’s established by an employer. A SEP IRA permits employers to make deductible contributions which are made to a Traditional IRA. Employer contributions can vary each year but must be the same for employers and employees.

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SIMPLE IRA

Contribution Limits 2024:
Employees – $16,000,  $3,500 catch-up (50+)
Employer – 3% matching or 2% nonelective

Savings Incentive Match Plan for Employees (SIMPLE) IRA allows employers to plan for their employees’ retirement and their own. Employees can make salary-reduced contributions and receive matching contributions from their employer.

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Choose Your Funding

Direct Transfer

A direct transfer is the movement of IRA funds or assets directly from one IRA custodian to another.

Rollover

An IRA rollover is the movement of funds between two qualified retirement plans, such as from a 401(k) to an IRA.

Annual Contribution

Investors may make one-time or recurring contributions to their IRA as long as it is within the federal contribution limits for the year it is applied.

Connect with an SDIRA Expert

Financial Professionals

Explore STRATA's institutional services, portal integrations, and seamless client IRA experiences.

Financial Professionals

Individual Investors

Discover if holding traditional, nontraditional, and other alternative investments in a self-directed IRA is a good fit for your retirement strategy.

Individual Investors

Precious Metal Investors/Dealers

Whether an investor or dealer, connect with us directly to learn more about holding precious metals in an IRA.

Precious Metals

Strata at a glance

The details matter when choosing an IRA custodian that has the service and expertise to handle your self-directed IRA custody needs.

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What our Clients Say

Additional Questions?

One of our self-directed IRA experts can walk you through the process. Book a meeting, submit an information request, or simply call us directly.