Simple, honest pricing.
One flat annual fee, and we never take a percentage of your account value. That's the whole idea: you always know exactly what you pay.
Simple pricing. No surprises.
One flat annual fee. That's it. Your fee doesn't grow just because your account does, so you'll always know exactly what you pay.
No percentage of your money. No commissions for selling you anything, because we never sell investments at all.
includes setup and your first 3 assets
- We never take a percentage of your account value
- No hidden charges
- No commissions
- No surprises
What's included.
- Holding your investments in your IRA's name
- Keeping your records and yearly statements
- Processing the transactions you direct
- Filing your IRS forms (like 5498 and 1099-R)
- Your secure online account
- Talking to a real person when you call
The full fee schedule.
Your $375 annual fee (includes setup and your first 3 assets) covers the everyday work of holding your account. A few specific transactions carry a small, clearly listed fee. Here they all are, nothing hidden.
- Outgoing check(per disbursement)
- $20
- Outgoing ACH(per disbursement)
- $10
- Outgoing wire transfer(per disbursement)
- $25
- Outgoing overnight mail(per disbursement)
- $50
- Transfer out / close out
- $200
- Conversion
- $75
- Recharacterization
- $75
- Special handling
- $50 / hour
Every account keeps a minimum cash balance of $400 to cover fees as they come due. Fees are billed annually, in advance, on your account anniversary, and we give 60 days' written notice before any change. Any third-party fees are passed through at cost.
A flat fee vs. a percentage of your account value.
Our way: one flat fee
You pay the same amount each year, no matter how much your account grows. Grow your savings to twice the size, and your fee doesn't change.
The other way: a percentage
Some custodians charge a percentage of everything you hold. The more you save, the more they take, even if their work is the same.
Common questions about cost.
- Will my fee go up as my account grows?
- No. It's a flat annual fee. Because we never take a percentage, your fee stays the same whether your account is small or large.
- Are there hidden charges?
- No hidden charges and no commissions. Some transactions (like a wire) may have a small, clearly listed fee, and we'll always tell you up front.
- Do you make money from my investments?
- We don't earn anything from the investments you choose. We don't sell investments and we have no stake in what you pick. Our revenue is the flat annual fee, plus interest on uninvested cash, which is held in FDIC-insured accounts or instruments backed by the full faith and credit of the U.S. government.
Open your account.
Set up your self-directed IRA with Asset Trust. Talk to a real person and we'll walk you through every step.