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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.

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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 IRA.

Account Setup Fees

  • One-time account opening fee — waived when you open online

  • Covers administrative processing and account setup

Annual Maintenance Fees

  • Charged once per year based on your IRA type and total account value

  • Covers ongoing administration and custodial services

Asset Holding Fees

  • Does not apply to PM and is per asset with caps included. Charged with Annual Account fee after first year.

  • Covers record-keeping and compliance monitoring

Processing Fees

  • Charged when you buy or sell investments within your IRA

  • Fees vary by investment type (real estate, private equity, metals, etc.)

Service Fees

  • Covers additional services like wire transfers, check processing, overnight delivery, and document requests

  • Charged at the time service is provided.

Account Termination Fees

  • If you close your IRA or transfer assets, a final administrative fee applies

Fee schedules

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.

Precious Metals

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 requirement.

  • Annual Account Fee: $125

  • Annual Storage Fees:

    Commingled Storage: $100

    Segregated Storage: $175 (applies to gold, platinum, and palladium)

Basic

For the investor who values flexibility and simplicity. Designed to support publicly traded investments with the option to include precious metals, this fee schedule offers a streamlined way to diversify within familiar asset classes.

  • Annual Account Fee: $150

  • Holding fees apply if precious metal assets are held.

Flex

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 Account Fee: $350

  • Annual Asset Holding Fees:

    Real Estate Holding: $150

    Private Investment Holding: $50

Compare fee schedules

Setup and Annual Maintenance Fees

Service Precious metals: Precious metals Basic: Basic Flex: Flex
Online application Precious metals:

$0

 Basic:

$0

 Flex:

$0
Paper application Precious metals:

$50

 Basic:

$50

 Flex:

$50
Annual account fee Precious metals:

$125

 Basic:

$150

 Flex:

$350

Annual and Per-asset Holding Fees

Asset type Precious metals: Precious metals Basic: Basic Flex: Flex
Real estate

(per property; max 10. $1,500 cap)

 Precious metals:

—

 Basic:

-

 Flex:

$150
Private investments

(per asset; max 10. $500 cap)

 Precious metals:

-

 Basic:

-

 Flex:

$50
Commingled storage Precious metals:

$100

 Basic:

$100

 Flex:

$100
Segregated storage* Precious metals:

$175

 Basic:

$175

 Flex:

$175

*Note: Segregated storage available for Gold, Platinum, and Palladium only—depository exceptions may apply. An annual storage fee is charged upon opening and each anniversary of the storage account.

Transaction Processing Fees

(Charged at time transaction processed)

Service Precious metals: Precious metals Basic: Basic Flex: Flex
Real estate purchase, sale, or exchange

(per transaction)

 Precious metals:

-

 Basic:

-

 Flex:

$150
Private investment purchase, sale, or exchange Precious metals:

-

 Basic:

-

 Flex:

$50
Precious metals purchase, sale, or exchange Precious metals:

$40

 Basic:

$40

 Flex:

$40
Precious metals shipping

(plus depository’s cost)

 Precious metals:

$10

 Basic:

$10

 Flex:

$10
Depository’s precious metals handling/processing

(effective 05.01.2024; additional fees billed separately)

 Precious metals:

$35

 Basic:

$35

 Flex:

$35

Ongoing Account Service Fees

Unless noted, these fees apply to all IRA types.
(Charged at the time service is provided; subject to change without notice)

Transactions & payments

Outgoing wire: $35

Return item / stop payment / card decline: $35

Cashier’s check: $50

Withholding: $30 federal; $10 state

Overnight fee (FedEx, UPS, USPS; avoid by providing pre-printed label): $40 + cost

Account administration

Late fee (one-time, 30 days after invoice): $50

Paper statements mailed (electronic free): $50/yr

Account reinstatement (includes reinstating assets): $250

Special requests or research: $25/request or $75/hr

Distributions & transfers

Cash distribution: No charge

In-kind distribution / asset reinstatement (per asset): $75

Roth conversion or recharacterization (per asset): $50

990-T expense payment: $50

Partial transfer out: $100 (waived for Flex IRAs)

Account closure: $250

Reporting & compliance

Corrected 5498 or 1099-R: $100

Late FMV: $50

Note modification: $50

Termination and Transfer Fees

(Charged at the time service is provided; subject to change without notice)

Service Precious metals: Precious metals Basic: Basic Flex: Flex
Partial transfer out Precious metals:

$100

 Basic:

$100

 Flex:

Waived
Account closure Precious metals:

$250

 Basic:

$250

 Flex:

$250
Account reinstatement

(includes reinstating assets)

 Precious metals:

$250

 Basic:

$250

 Flex:

$250
In-kind distribution or asset reinstatement

(per asset)

 Precious metals:

$75

 Basic:

$75

 Flex:

$75

Disclaimer: Fees are not prorated; STRATA reserves the right to charge for other services not shown above.

Uninvested Cash Handling and Disclosures

(Applies across all account types)

Cash account information for UNINVESTED cash

Funds received on behalf of an IRA account are automatically deposited into a cash account held with Horizon Bank, an affiliate of STRATA Trust Company (“STRATA”), and/or other 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.

General disclaimer

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

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 [email protected].

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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