Institutional-Grade Protection
Retired.com Security
Protecting your retirement savings is our highest priority and absolutely one of the most important factors you must consider when choosing a provider housing your investments. At Retired.com, every account is backed by institutional-grade security infrastructure, regulated custody, and comprehensive insurance coverage, so you can invest in alternative assets with confidence.
Regulated custody
Digital Trust oversight
Up to $250M
Custody insurance coverage
Security at a Glance
A layered custody model combines regulated account administration, offline key protection, multi-party approvals, independent audits, and account-level controls.
Regulated custody
Digital Trust holds IRA assets under regulated trust-company oversight.
Cold storage
Private keys are held offline and disconnected from the internet.
Multi-signature
Multiple independent approvals are required before assets can move.
SOC 2 certified
Independent audit standards verify security controls over time.
Insurance coverage
Covered custody events may be protected up to $250 million.
Two-factor login
Sensitive access requires a second verification step beyond a password.
Identity checks
Formal verification protects against unauthorized account creation and fraud.
2-way pin verification
Unique pins verifies you and our support team to help reduce the change of phishing.
Regulated Custody: Digital Trust
A licensed trust company holds assets on behalf of your IRA.
Your retirement account assets are held by Digital Trust, a licensed trust company subject to stringent regulatory oversight. As a regulated and vertically integrated custodian, Digital Trust is required to maintain high standards of financial integrity, asset segregation, and operational controls. This provides the legal and institutional framework to protect your IRA.
• Your assets are legally held on your behalf inside your IRA
• Strict regulatory oversight governs how funds are handled and reported
• Assets are kept in segregated accounts, separate from other clients’ funds
• The custodian cannot use or lend your assets for other purposes
Cold Storage Custody: BitGo
Offline key storage removes the primary remote attack vector.
Retired.com partners with BitGo, one of the world’s most trusted digital asset custody providers, to secure all retirement accounts that hold digital currencies like Bitcoin, Solana and Ethereum. Cold storage means your private keys are held offline and are completely disconnected from the internet.
Compared to hot wallets, cold storage offers:
No internet exposure for private keys
Protection against remote hacking and malware
The gold standard for long-term retirement asset protection
Multi-Signature Wallet
BitGo pioneered multi-signature wallet technology for digital assets. Multi-sig wallets require multiple independent key holders to approve any transaction, which means no single person or system can unilaterally move your assets.
Key benefits: eliminates any single point of failure; provides an auditable record of approvals; prevents unauthorized movement of assets, even after a partial compromise; and has an outstanding long-term safety track record in institutional settings.
SOC 2 Type 2 via BitGo
The BitGo infrastructure used to secure your assets has achieved SOC 2 Type 2 certification, one of the most rigorous independent security audits available. It confirms high standards for data security, privacy controls, operational reliability, ongoing monitoring, and incident response.
SOC 2 Type 2 is not self-reported. It requires an independent third-party audit conducted over an extended period to verify that security controls operate effectively in real life.
Insurance Coverage
Coverage designed for custody-related security events.
Retired.com accounts are backed by industry-leading insurance designed to protect your assets against theft or loss resulting from a custodian security breach, malicious external attacks on the custody infrastructure, and other covered events as defined by the policy terms.
Important: Insurance coverage may vary based on the asset chosen and the custody solution available for that asset.
Two-Factor Authentication
Every login and sensitive action requires a second verification step beyond your password.
Trading controls
Conditional orders and trading parameters give you additional control over when trades execute.
Identity verification
Formal identity checks help prevent unauthorized account creation and fraud.
Asset segregation
Your assets are uniquely identifiable as belonging to your IRA, legally protected as client property, and not commingled, lent, or rehypothecated.
Security questions?
Our specialists are available to explain how your assets are secured and answer any questions about our custody and insurance arrangements.
