COMING SOON

Checkbook IRA

Direct Control Over Your Retirement Investments

Direct Control Over Your Retirement Investments

Direct Control Over Your Retirement Investments

Write checks and make investments directly from your self-directed IRA. No custodian delays, no processing bottlenecks, just you, your IRA LLC checkbook, and a structure built for serious investors.

Take the reins of your retirement investing

Take the reins of your retirement investing

Traditional IRAs require the account custodian to process every transaction, which can slow down time-sensitive deals. A Checkbook IRA gives you direct access to your IRA funds through a dedicated LLC, so you can act fast when opportunities arise.

Traditional IRAs require the account custodian to process every transaction, which can slow down time-sensitive deals. A Checkbook IRA gives you direct access to your IRA funds through a dedicated LLC, so you can act fast when opportunities arise.

Direct Investing Authority

Direct Investing Authority

Make investments directly without waiting for custodian processing. Your IRA-owned LLC gives you signing authority on your own terms.

Make investments directly without waiting for custodian processing. Your IRA-owned LLC gives you signing authority on your own terms.

Broad Asset Access

Broad Asset Access

Invest in real estate, private equity, promissory notes, precious metals, crypto, and more, all from a single account.

Invest in real estate, private equity, promissory notes, precious metals, crypto, and more, all from a single account.

Tax-Advantaged

Tax-Advantaged

Enjoy the same IRA tax benefits while maintaining direct control. Designed for investors who want to move quickly on opportunities.

Enjoy the same IRA tax benefits while maintaining direct control. Designed for investors who want to move quickly on opportunities.

$12B+

$12B+

Assets Under Custody

Assets Under Custody

250K+

250K+

Community Members

Community Members

★★★★★

4.7 / 5

4.7 / 5

rating

rating

COMING SOON

How It Works: Set Up Your Checkbook IRA in Minutes

1. Open an Account

Sign up and establish your checkbook IRA. Fully online with secure identity verification.

2. Establish Your IRA LLC

We help you set up an LLC owned by your IRA. This gives you direct checkbook control over your retirement funds.

3. Start Investing

Write checks, wire funds, and make investments directly from your LLC bank account. Full control, full flexibility.

Top Benefits of Retired.com’s Checkbook IRA

Speed and Flexibility

No waiting on custodian processing. Act quickly on time-sensitive investment opportunities directly from your IRA LLC.

Expert Support

Real retirement specialists available to guide you through setup and ongoing account management. Not bots, not FAQs.

Protection

IRA LLC owners enjoy greater legal protection for their assets and investments.

Low, Transparent Fees

No hidden charges. You’ll always know exactly what you’re paying for your account and LLC administration.

Transfer an existing IRA

Transfer an existing IRA

Already have an IRA? Move it to Retired.com without triggering taxes or penalties.

Already have an IRA? Move it to Retired.com without triggering taxes or penalties.

401(k) Rollovers

401(k) Rollovers

Transfer your old 401(k) or employer plan tax-free into a IRA. We handle the paperwork.

Transfer your old 401(k) or employer plan tax-free into a IRA. We handle the paperwork.

Make a new contribution

Make a new contribution

Start fresh with a direct contribution. Annual limits apply based on your account type.

Start fresh with a direct contribution. Annual limits apply based on your account type.

Get Started

Your Checkbook IRA Blueprint, for Free

Want to understand how a Checkbook IRA works, what an IRA LLC involves, and which investments are available? Explore our resource center for in-depth guides and strategies. 

Frequently Asked Questions

What is a Checkbook IRA?

A Checkbook IRA is a self-directed IRA that uses a dedicated LLC to give you direct investment authority. Instead of requesting a custodian to process each transaction, you write checks or wire funds directly from the LLC’s bank account. The IRA owns the LLC, which means all investments and returns stay inside the tax-advantaged structure.

Is a Checkbook IRA different from a Self-Directed IRA?

With a standard self-directed IRA, your custodian processes every transaction on your behalf, which can take days. With a Checkbook IRA, the IRA owns an LLC, and you’re the manager of that LLC. This means you can execute investments directly, without custodian delays, while still maintaining the same tax advantages.

What can I invest in with a Checkbook IRA?

A Checkbook IRA can hold a wide range of alternative assets, including real estate, private equity, promissory notes, precious metals, cryptocurrency, and more. The key advantage is that you can execute these investments directly and on your own timeline.

Are there any prohibited transactions?

Yes. IRS rules prohibit certain transactions within any IRA, including Checkbook IRAs. These include transactions with disqualified persons (such as yourself, your spouse, or lineal family members) and certain self-dealing arrangements.

How long does it take to set up a Checkbook IRA?

Account setup with Retired.com is fast. The IRA can be established online in minutes. The LLC formation process typically takes a few business days depending on the state of formation. Our team guides you through every step.

What fees are associated with a Checkbook IRA?

Retired.com charges transparent fees for account administration and LLC setup. There are no hidden charges. Full fee details are provided before you commit, so you know exactly what you’re paying.

Your Future Starts Now. Let’s Build It Together.

Invest in the assets that will fund your retirement

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.