IRA Financial Group Reviews

IRA Financial Group Reviews
IRA Financial Group
IRA Financial Group is an SDIRA provider that's relatively new in the industry. It has highly reputed leadership but it's not the best. I recommend checking our top recommendations to see what the industry leaders have to offer.
Fees & Charges
Honesty & Transparency
Customer Service
A+ rating on BBB
Reputed leadership
Limited reviews available on third-party platforms
Relatively new in the industry
Expert Score

What is IRA Financial Group?IRA Financial Group Locations, Timings, Email, Phone, Services

IRA Financial Group is an innovative retirement services company that provides individuals with the freedom to invest in a wide range of alternative assets for their Individual Retirement Account (IRA). Founded in 2010 by a group of tax attorneys, including Adam Bergman, the firm distinguishes itself through its comprehensive selection of investment opportunities.

With a team of specialists well-versed in IRS regulations, IRA Financial Group ensures strict adherence to guidelines, offering maximum security and peace of mind, bolstered by complete audit coverage.

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The company’s primary focus is assisting clients in achieving long-term financial security by creating and managing retirement accounts such as IRAs and 401(k)s, while also providing expertise in self-directed investments.

Additionally, IRA Financial Group maintains an active online presence, with a YouTube channel and blog offering educational content on retirement investments, from the fundamentals of self-directed IRAs to achieving financial success.

  • E-mail:
  • Website:
  • Phone No: 1-800-472-0646
  • Location: 1691 Michigan Avenue, Suite 415, Miami Beach, FL 33139

People Behind IRA Financial Group: CEO, Owner, Co-Founders & MoreWho owns IRA Financial Group? What is the management team behind IRA Financial Group?

Mr. Adam Bergman is the Founder and CEO of IRA Financial Group.

Mr. Adam Bergman: Founder and CEO

Adam Bergman, the founder, and CEO of IRA Financial Group and IRA Financial Trust, has established himself as a prominent figure in the self-directed retirement plan industry. IRA Financial Group is a custodian and financial technology leader, specializing in self-directed retirement plans.

With IRA Financial Group being the market’s fastest-growing provider of self-directed retirement plans, they have assisted over 17,000 clients in regaining control over their retirement funds. These clients have collectively invested over $4.6 billion of their retirement funds into alternative assets.

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In addition to his role as CEO, Adam Bergman owns two leading pension administration firms. He is a prolific author, having written seven books on self-directed retirement plans, and is recognized as an influential voice in the self-directed retirement market. Bergman frequently contributes to and holds membership in the Forbes Finance Council.

Bergman’s expertise has garnered media attention, with interviews on CBS News and quotes featured in more than 130 major news publications, including Businessweek, CNN Money, Forbes, Bloomberg, USA Today, and American Lawyer, primarily on topics related to retirement tax planning.

Before founding IRA Financial Group, Adam Bergman worked as a tax and ERISA attorney at prestigious corporate law firms, including White & Case LLP, Dewey LeBoeuf LLP, and Thelen LLP. He earned his B.A. with distinction from McGill University, his law degree cum laude from Syracuse University College of Law, and a Master of Taxation (LL.M.) from New York University School of Law. Bergman is a member of the Tax Division of the American Bar Association and the New York State Bar Association.

Mr. Adam Bergman: Founder and CEO of IRA Financial Group

IRA Financial Group Products: Bullion Coins, Bars, And Rare CoinsAll products offered by IRA Financial Group

IRA Financial Group offers a comprehensive range of investment options that allow you to diversify your retirement portfolio. By utilizing their services, you gain access to various investment opportunities through your self-directed account, ensuring a well-rounded investment strategy.

Some of the investment options provided by IRA Financial Group:

  1. Real Estate: You can invest in real estate properties, including residential, commercial, or even rental properties, using your self-directed account. This allows you to tap into the potential of the real estate market and potentially earn rental income or capital appreciation.
  2. Cryptocurrency: IRA Financial Group enables you to invest in cryptocurrencies such as Bitcoin, Ethereum, or Litecoin. By including cryptocurrencies in your retirement portfolio, you can take advantage of the growth potential of this innovative asset class.
  3. Precious Metals: Diversifying your portfolio with precious metals like gold, silver, platinum, or palladium is another option provided by IRA Financial Group. These assets can act as a hedge against inflation and market volatility.
  4. Private Placements: The company offers the opportunity to invest in private placements, which involve investing in private companies or startups. This allows you to participate in the growth potential of promising businesses and potentially generate significant returns.
  5. Tax Liens/Deeds: Investing in tax liens or deeds can be an alternative strategy to generate returns. IRA Financial Group facilitates investing in these assets, which can offer attractive interest rates or the potential to acquire properties at discounted prices.
  6. Investment Funds: IRA Financial Group provides access to investment funds, including mutual funds, hedge funds, or venture capital funds. These professionally managed funds offer diversification across various assets and investment strategies.
Products offered by IRA Financial Group
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How to Invest in IRA Financial Group IRA?Step-by-step guide for investing in IRA Financial Group IRA

To invest in a precious metals IRA through IRA Financial Group, here are the general steps:

  1. Open a Self-Directed IRA

    Select an IRA company that handles opening precious metals IRA accounts and fill out an application. You can work with IRA Financial Group to recommend an IRA company and provide the necessary paperwork. However, I don’t recommend doing so.

  2. Fund Your IRA

    Once you have selected an IRA company, you can move your funds into your new IRA account. You can work with the IRA company representative to transfer or rollover funds into the new account.

  3. Select a Precious Metals Dealer

    One of the forms you need to fill out along the way is typically called a Buy Direction Letter. This is where you list the precious metals dealer you have selected, such as IRA Financial Group.

  4. Decide Which Precious Metals to Purchase

    You can choose to invest in gold, silver, platinum, or palladium for your IRA. There are some restrictions regarding fineness requirements and allowable coin types, so it’s important to get guidance from IRA Financial Group in this area.

  5. Place Your Order

    Once the funds are available in your IRA account, you can call them to place your order for the desired precious metals.

IRA Services of IRA Financial Group

However, I don’t recommend opening an IRA with them. Why? Because there are plenty of better options available for you.

Opening a precious metals IRA is a major decision. That’s why I suggest checking out our top gold IRA providers list. There, you can find the best precious metals dealer in your state and choose accordingly.

Also, the list will help you understand what the industry’s best has to offer and what you might miss out on.

Learn More About Gold IRA

If you want to know how a gold IRA works, you can check out this free guide:


IRA Financial Group Fees and Charges: Do they overcharge?What are their fees? Do they have hidden fees?

IRA Financial Group offers a range of pricing options for their self-directed retirement account solutions. Here is a breakdown of the fees associated with each type of account:

  1. Self-Directed IRA: The annual fee for a Self-Directed IRA is $400. This account allows you to have control over your investment choices and diversify your portfolio by investing in a wide range of assets such as stocks, bonds, real estate, and alternative investments.
  2. Self-Directed IRA LLC: If you opt for a Self-Directed IRA LLC, you have two pricing options. The first is a one-time fee of $999, which covers the initial setup of the LLC structure for your IRA. The second option is an annual fee of $400, which includes ongoing administration and maintenance of the LLC structure.
  3. 401(k): For a 401(k) plan, IRA Financial Group charges a one-time setup fee of $999. This fee covers the establishment of a self-directed solo 401(k) plan, which is designed for self-employed individuals or small business owners. Additionally, there is an annual maintenance fee of $399 to cover the ongoing administration of the plan.
  4. ROBS Solution: The Rollover for Business Startups (ROBS) solution is designed for entrepreneurs looking to fund a new business using their retirement funds. IRA Financial Group offers two pricing options for the ROBS Solution. The first is a one-time fee of $3,500, which covers the initial setup and implementation of the ROBS structure. The second option is a monthly fee of $100 for ongoing support and maintenance of the ROBS structure.
Fees and Charges by IRA Financial Group

Another company that offers IRA LLC services include Broad Financial and Perpetual Assets.

Companies like Augusta charge ZERO fees for up to 10 years and allow you to choose your own gold & silver. IRA Financial Group on the other hand provides fewer options.

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IRA Financial Group Reviews and Complaints: BBB, Trustpilot, SitejabberRead all the IRA Financial Group reviews & complaints

Google Reviews:

On Google, the business has 4.6 stars out of 5-star ratings based on customer reviews. There are a total of 217 customer reviews on Google, and most of them are positive, with customers praising the company’s excellent customer service, professionalism, and expertise.

Google Reviews

Better Business Bureau (BBB):

On the Better Business Bureau website, the company has an A+ rating and 1.67 stars out of 5-star ratings based on only 9 customer reviews. There are both mixed positive and negative reviews. They have been in the industry for 13 years. This business has 4 complaints. They are also BBB accredited.

BBB Review


On the Trustpilot website, the company has 4.2 stars out of 5-star ratings based on customer reviews. There are 117 customer reviews on the website, and most of them are positive, with customers highly appreciating the company’s exceptional customer service, professionalism, and expertise.

They are in the Great State on this website. Great ratings on Trustpilot refers to positive feedback, reviews, or ratings received by a company or business on the Trustpilot platform. Trustpilot is an online review community where customers can share their experiences and rate the services or products provided by various businesses.

When a company has great ratings on Trustpilot, it indicates that customers who have interacted with that company have expressed high levels of satisfaction with their experiences. These positive ratings can be an indication of excellent customer service, quality products or services, and overall positive interactions with the company.

Trustpilot ratings are often considered valuable because they come directly from customers who have firsthand experience with the company. These ratings can help other potential customers make informed decisions when choosing a business to engage with or purchase from.

Trustpilot Review

Ripoff Report:

IRA Financial Group has only 1 report registered in their Ripoff Report account. The review is attached below.

Ripoff Report Review

Some Negative Reviews from various online rating websites:

#1. Katie provided negative feedback, describing her experience as “awful.” She criticized the company for charging fees for every action required, leaving customers feeling financially drained. Additionally, Katie mentioned the lack of an ability to earn yields on held coins, despite the availability of this feature on platforms like Gemini. Based on her experience, she stated that she would not recommend the company.

Negative Review

#2. Adrian Gregory reported a frustrating situation, explaining that he had canceled his account in October. However, he continued to be charged for services into the following calendar year. Despite his attempts to contact the company through calls and emails, he received no responses or assistance to rectify the issue.

Negative Review

#3. Dennis Reeves expressed disappointment, stating that the app was initially intended for banking purposes. He is currently facing significant difficulties in retrieving his money from the company.

Negative Review

Some Positive Reviews from various online rating websites:

#1. SB highly praises the group, describing them as top-notch. According to SB, it doesn’t matter who you speak to within the group, as everyone is knowledgeable and courteous. Based on this positive experience, SB highly recommends IRA Financial Group.

Positive Review

#2. Pawan Agarwal highly regards the company as being very professional, specializing solely in self-directed retirement plans. He commends their expertise in this area, stating that they possess a deep understanding of their field. Pawan assures that anyone who chooses to work with them will be in good hands, emphasizing his own positive experience of being a satisfied customer for over 5 years.

Positive Review

#3. Sheldon B shared a positive experience, mentioning that he has been a customer of the company for more than 12 years. He expresses satisfaction with their service, describing it as “spectacular.” Sheldon commends every individual associated with the company for their outstanding performance. He highlights the ease of taking distributions for both himself and his wife, emphasizing that it only requires a simple phone call.

Positive Review

#4. Lena initially had concerns about the program, but she found the team at IRA Financial to be awesome to work with. Specifically, she mentioned that Jennifer Dann was exceptional in her support and assistance.

Positive Review

#5. Bob Kopeny expressed his satisfaction with the assistance provided by the company in establishing his Roth IRA. He found their chat feature to be readily available, allowing him to ask any questions he had to a live operator and receive immediate help. Bob commended the company for doing a great job in assisting him with his Roth IRA setup.

Positive Review

Their Mobile App on the Google Play Store:

IRA Financial Group has an official mobile application available on the Google Play Store. They have 1K+ downloads and 3.6 stars ratings out of 5 stars, with only 5 customer reviews. The company primarily provides its services through its website and by phone. Customers can place orders for gold, silver, platinum, and palladium products online or by calling their toll-free number. IRA Financial Group also offers educational resources and market insights on its website to help customers make informed investment decisions.

Application of IRA Financial Group on Google Play Store

Is IRA Financial Group Legit? Should You Invest With Them?Is IRA Financial Group a scam or legit? Are they worth it?

No, I don’t think you should invest with them.

However, that’s mainly because I believe there are better options available in the market.


  • A+ rating on BBB
  • Reputed leadership


  • Limited reviews available on third-party platforms
  • Relatively new in the industry

IRA Financial Group is a legitimate company that provides services related to self-directed retirement accounts. They have been in operation since 2010 and offer various retirement accounts options, such as self-directed IRAs, solo 401(k) plans, and ROBS solutions.

However, before you decide anything, I suggest you check out our top gold IRA providers list. There, you can find what the industry leaders have to offer.

Alternatively, you can find the best gold dealer of your state below:

Each state has its own regulations and rules, so we’ve sorted and found the best Gold IRA company for each state.

Find the best Gold IRA company in your state