IRA Financial Reviews & Complaints: Scam or Reputable?

IRA Financial
Google: 3.8/5
BBB: 1.5/5 A+
Trustpilot: 4.5/5

IRA Financial is a self-directed IRA company based in Miami Beach, Florida. It specializes in helping clients manage their retirement funds through self-directed plans. The company, founded by Adam Bergman, a former tax and ERISA attorney, aims to provide freedom and flexibility in retirement investments. IRA Financial has a diverse clientele, assisting over 24,000 clients across all 50 states. It offers various investment opportunities like real estate, precious metals, and more, ensuring compliance with IRS regulations. The company is known for having no transaction, wire, or bank fees and no minimum balance requirements with a credit card on file.

IRA Financial manages over $3.2 billion in alternative assets and is recognized for its founder's expertise, demonstrated through the authorship of eight books on self-directed retirement. Its average rating on Focus on the User is 3.3/5.

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Featured Reviews

Top Review

Greg H
5 stars

"Morgan, Max, Hannah and everyone at the IRA Financial Group team are super helpful. Self-directed IRAs can be complex to the simple minded :), and they show great..."

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Top Complaint

OLeg P
1 star

"This company is using harassment and threats tactics to extract money from past customers for services they have never provided! This fraudsters have to be stopped. They lie..."

Read Complaints

What is IRA Financial?

IRA Financial Group, founded by Adam Bergman, offers services focusing on self-directed retirement plans. Bergman's background as a tax and ERISA attorney has shaped the company's mission to empower retirement account holders with self-directed plan options. IRA Financial enables tax-free investments in various assets, including domestic and foreign real estate, tax liens, and new businesses. The company's distinction lies in its comprehensive support system, providing direct access to in-house tax and ERISA professionals. This ensures that all tax structures established by clients remain compliant with IRS regulations.

Furthermore, IRA Financial has made a significant impact by assisting over 24,000 clients nationwide, managing assets totaling more than $3.2 billion. These achievements are underpinned by Bergman's authoritative voice in the field, as evidenced by his authorship of eight books on self-directed retirement. This extensive experience and dedication to client service position IRA Financial as a leader in the self-directed IRA industry.

IRA Financial Ratings

IRA Financial Reputation

Focus on the User Review
Focus on the User
3.3/5 stars
261 reviews (Aggregated)
Google Reviews
Google Reviews
3.8/5 stars
64 reviews
BBB Reviews
1.5/5 stars A+
12 reviews
Trustpilot Reviews
4.5/5 stars
185 reviews

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IRA Financial Reviews

Top IRA Financial Reviews

5 starsFeatured

"Morgan, Max, Hannah and everyone at the IRA Financial Group team are super helpful. Self-directed IRAs can be complex to the simple minded :), and they show great patience and knowledge when dealing with me as a customer."

Trustpilot Reviews
Greg H
5 stars
5 starsFeatured

"I opened my account in 2019 super rapidly in order to secure a purchase contract for a property outside of the USA. Thankfully, the IRA Financial person helping me, Maria Esposito, was super efficient and attentive to the process making it all move quickly and efficiently. Then a couple months ago I needed further documentation related to the same transaction and found myself with Maria again. Again, she handled what I thought would be a complicated matter super quickly and to perfection. Very happy customer"

Trustpilot Reviews
David L
5 stars
5 starsFeatured

"I had an issue with my Checkbook LLC that was directly from an aspect I was not aware of (totally on me). Processing Account Specialist, Sarah, was excellent. She smoothly and expeditiously helped in sorting it out and guiding things to an optimal result. My thanks and I recommend IRAF and Sarah highly. A+"

Trustpilot Reviews
5 stars
5 starsFeatured

"IRA Financial is absolutely awesome.Great service and best pricing.I recommend them to all of my friends for self-directed IRAs."

Google Review
Ben W
5 stars
IRA Financial Complaints

Worst IRA Financial Complaints

1 starFeatured

"This company is using harassment and threats tactics to extract money from past customers for services they have never provided! This fraudsters have to be stopped. They lie. They setup fake collection companies. They keep threatening you! Do not deal with these thieves."

BBB Review
OLeg P
1 star
1 starFeatured

"Incompetence is the best word to define this company - My funds are in their possession (took months). Now I am trying to get the LLC established ( 2 weeks and counting). Customer service is horrible ( Don't let Charlotte help you!!!) I cant get away from them yet but will leave ASAP."

BBB Review
1 star
1 starFeatured

"I started the process of making a partial distrubtion from my IRA on 12/22/2023. On 12/29/2023 I received an email that I would receive a call within 3-5 business days to authorize the transfer of funds. On 1/5/2024, I received an email that they needed another form--which I promptly submitted and now it will be 3-5 MORE days before I even get the call to move the funds. I started this on 1/22/2023 so that I could get the funds the first week in January. If you want your money out--plans MONTHS aheads....weeks are not enough time for these people to do their jobs. BTW--they did offer to expedite my funding for a $200 fee. F@$## these people."

Trustpilot Reviews
Mindy H
1 star
1 starFeatured

"IRA Financial and I talked through details of how I could board my business with them. All seemed transparent, reputable, and fair until my funds arrived at IRA Financial. Once IRA Financial had my funds, then they sprung a new $600 fee out of left field. They even claimed that the documents they had already signed before I moved my money were not actually approved by their compliance team and were therefore not authorized in spite of the signatures. This is a classic case of holding funds hostage. Once they had my money, the rules changed."

BBB Review
Ashley F
1 star

Is IRA Financial a Scam?

IRA Financial is not a scam. The company's legitimacy is evident in its management of over $3.2 billion in assets and its service to over 24,000 clients. This, along with a 3.3/5 rating on Focus on the User, underscores its credibility in the self-directed IRA sector.

IRA Financial Pros and Cons


  • Diverse Investment Options: Clients can invest in a wide range of assets, including real estate and precious metals.
  • Expert Support: Access to in-house tax and ERISA professionals ensures IRS compliance.


  • Limited Brand Awareness: Despite its achievements, IRA Financial is not as widely recognized as some larger firms.
  • Specific Niche: The focus on self-directed IRAs may not suit all investment preferences.

IRA Financial Services and Products

IRA Financial offers a variety of services and products centered around self-directed retirement plans. These include:

  • Self-Directed IRA: Enables investments in real estate, precious metals, and more.
  • Tax and ERISA Expertise: In-house professionals provide guidance for IRS compliance.
  • IRA Financial App: Streamlines the process of managing self-directed IRAs.

IRA Financial FAQ

Is IRA Financial a reputable company?

Yes, evidenced by its broad client base and significant asset management.

How long has IRA Financial been in business?

Since 2010.

Who is the owner of IRA Financial?

Adam Bergman, a former tax and ERISA attorney.

How does IRA Financial work?

It offers self-directed IRA plans, allowing diverse tax-free investments.

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IRA Financial Homepage

Contact IRA Financial

  • Phone: 1-800-472-0646
  • Email:
  • Address: 1691 Michigan Ave., Suite 335, Miami Beach, FL 33139
  • Founded: 2010
  • Alternate Name:
  • Category: Self-Directed IRA Company
IRA Financial Address

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