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strata fees

Transparent fees, exceptional service

Transparent pricing is just the start. We back it with experienced service, responsive support, and the custodial expertise you need to manage your SDIRA with confidence.

Download Fee Schedule Open an account

Self-directed IRA fee categories

This section provides a quick overview of the types of fees you may encounter when managing your STRATA self-directed account.

Annual fees

  • Ongoing custodial and administrative services based on your account and assets held

  • Charged at account opening and due annually on the account opening anniversary

Processing fees

  • Transaction-based fees related to activity within your account

  • Charged when you buy or sell investments or submit a transaction request

Service fees

  • Optional or support services such as wire transfers, check processing, overnight delivery, and paper statements.

  • Charged at the time the service is requested

STRATA Trust Company is a directed custodian. We administer, report, and process transactions for your self-directed retirement account, but we do not provide investment advice or endorse investments or sponsors. Refer to STRATA's Custodial Agreement and Disclosure Statement for account terms and conditions. 

Tiers assigned based on assets

Annual fees

We tailor our fee schedules to fit your investment strategy — whether you're focused on private alternatives, traditional markets, precious metals, or all of the above.  Annual account fees are not prorated and are charged at account opening and then due annually on the account opening anniversary. *Fee changes effective September 1, 2026. 

Precious Metals Tier

For the focused metals investor. Hold IRS-approved gold, silver, platinum, and palladium coins and bullion in a secure, tax-advantaged account. Designed exclusively for those investing in physical precious metals. Includes depository storage requirement. 

  • Annual IRA Fee: *$150

  • Annual Precious Metals Storage Fees: 

    ● Commingled Storage: *$115 

    ● Segregated Storage: $175 (applies to gold, platinum, and palladium; depository exceptions may apply)

Flex Tier

For the diversified investor. Unlock the full power of a self-directed IRA. This flexible account supports a wide mix of asset types, including public markets, precious metals, and private market alternatives such as real estate, private equity, and more.

  • Annual IRA Fee: *$395

  • Annual Asset-Based Fee:

    Capped at 10; Applies based on what you hold. 

    ● Private Asset Holding: $50 per asset; Max fee = $500

    ● Real Estate Holding: $150 per property; Max fee = $1,500

  • Other: If holding precious metal assets, Annual Precious Metals Storage Fees apply as shown in the Precious Metals Tier

Applies across all account types

Processing & service fees

In addition to the annual fees listed above, you can expect these fees for processing or service requests.  Fees apply to all account tiers, are not prorated, and are subject to change without notice. STRATA reserves the right to charge for services not listed. *Fee changes effective September 1, 2026. 

Account setup

Account Setup Waived for electronic
$50

Movement of funds

Outgoing Wire
$35
Return Item, Stop Payment, or Card Decline
$35
Cashiers Check
$50

Service & administrative

Paper Statements Mailed Waived for electronic
$50 per year
Late Payments Charged one time, 30 days after the invoice date
$50
Overnight Shipping Fedex, UPS, USPS only; Avoid by providing a pre-printed courier label
*$50 + courier cost
Research
$75 per hour; 1-hour minimum
Special Request
*$75 per request

Tax processing

990-T Expense Statement
$50
Corrected 5498 or 1099-R
$100
Withholding
*No charge

Account transactions

Roth Conversions or Recharacterization
$50 per asset
Cash Transfer Out Waived for Flex Tier
$100
Account Closure or Reinstatement(1, 2)
$250
Asset Re-registration(1, 2) Due to transfer out, distribution, or reinstatement
*$100

Investment transactions

Private Asset: Purchase, Sale, or Exchange
$50
Real Estate: Purchase, Sale, or Exchange
$150 per transaction
Note Modification
$50
Late Annual Valuation Update - FMV or GFE
$50

Precious metal transactions

Purchase, Sale, or Exchange
$40
Depository Handling/Processing
$35
Precious Metals Shipping
$10 + depository cost

INVESTMENT PRODUCTS: NOT FDIC-INSURED • NO BANK INVESTMENT GUARANTEE • MAY LOSE VALUE

(1) Plus any third-party fees charged for the re-registration of assets. (2) Re-registration fee is charged once per request and covers all assets included in the request.

Uninvested cash: Funds received on behalf of an IRA account are automatically deposited into a custodial account held with depository banks selected by STRATA, where they are FDIC-insured up to $250,000 per depositor, pending further investment direction. Interest rates are subject to change in accordance with market conditions at the sole discretion of STRATA. Please refer to the Terms for Uninvested Cash section in your IRA Accountholder Agreement for more information.

Download Fee Schedule

The details matter

Every feature, every interaction, and every service touchpoint is designed with intention because when it comes to your investments, the little things make a big difference.

  • Investment flexibility beyond what most banks, brokerage firms, and other financial institutions allow.

  • Intuitive customer-focused technology for seamless self-directed IRA management.

  • Unmatched personalized service with easily accessible, knowledgeable, and dedicated representatives.

Leverage our expertise

In addition to our Fee Schedules (shown above), STRATA maintains other institutional fee schedules for large-volume business providers. Inquiries by investment sponsors or advisors may be directed to STRATA’s Business Development Team by emailing BusDev@StrataTrust.com.

Client Support Request info

A smarter way to invest starts here

  1. Open: Choose the type of IRA that fits your goals and complete our quick online application.

  2. Fund: Transfer funds from another IRA, roll over a 401(k), or make a new contribution.

  3. Invest: Tell us where to direct your investment—we’ll manage custodial details while you start enjoying the tax advantages.

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Paul M.

The last 10 years with Strata have been excellent

Everything over the last 10 years has been handled very well. Reporting and documentation are excellent. They are trustworthy, and they do have decent people to work with. One in particular is Heather. She has the experience and knowledge to identify and solve problems quickly.

Source: TrustPilot

Joan O.

I highly recommend STRATA Trust!

STRATA Trust Company is made up of very kind, helpful, and knowledgeable people who are willing to go the extra mile to make sure that their customers have positive, friendly interactions and receive the assistance that they need. Their systems also make it easy to fill out forms, download documents, and more. I highly recommend STRATA!

Source: TrustPilot

Jason B.

As advertised

I've enjoyed every interaction with STRATA, from the onboarding to the day-to-day customer support and technology. Most things in life that seem too good to be true often are; not STRATA—it is as advertised. Just talked to Cory (no 'e'), and he was the perfect mixture of helpful, friendly, and efficient—but not fake or "plastic." I got my questions simply and immediately answered, and actually felt better after I got off the phone. I was actually thinking after the call, "How can I improve how I interact with people to be more like Cory? Super friendly and helpful while also so genuine?" I'm not sure I've actually ever had a customer support interaction as positive...ever.

Source: Google Reviews

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