IRA Financial Group Review

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Having financial security during the retirement years is an important goal for people in the U.S. and the government. The best way to prepare for it is to establish an IRA during the working years and save up for retirement.

However, many people find that challenging to do.

IRA Financial Group promotes its advisory services by offering advice and guidance on how to get better returns than what you can typically get from investing in stocks, bonds, and mutual funds.

This review will discuss the benefits of working with an IRA advisory firm instead of managing your IRA independently.

The review will also discuss whether there are any disadvantages in hiring a consultant such as this, what the process is, and what you can expect to gain from investing with this company.

Before we get started with this review:

With so many gold companies out there, how do you know which is the best to invest with?

At Exim Bank India we've spent years researching nearly every gold and precious metals company in the business and report to our readers on the very few that worth investing with.

Our goal is to give you the best information you need to make an informed decision.

That is why we created a list of the best gold investment companies from our extensive research, and you can use this list to help you make the best choice.

>> CLICK HERE to read our list of the Best Gold IRA Companies <<

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Overview of IRA Financial Group

ira financial group homepage

IRA Financial Group's main focus is on IRAs or individual retirement accounts. The company was established by a former tax attorney, Adam Bergman.

The advisors are experts in all things related to IRAs, self-directed IRAs, 401(k)s, and other types of retirement accounts. They provide consultation and guidance to people who need support in saving for their retirement.

They utilize the latest banking technology in helping their clients save in ways that will maximize their return, particularly in the area of self-directed IRAs.

The company has financial professionals who are licensed and experienced with the process of investing in self-directed IRAs. They can help you create a new plan or evaluate your current retirement plan and find ways to make it better.

Gold IRA Explained

If you are interested in holding physical precious metal like gold in an IRA, you need to set up a Gold IRA. You cannot use your regular IRA.

This is also known as a precious metal IRA. They operate under the same kind of guidelines in terms of annual contribution limits and distribution. The main difference is that regular IRAs can only hold paper assets such as stocks, bonds, and mutual funds.

Gold IRAs can hold physical bullion. These can be bars and coins in gold, silver, palladium, or platinum.

How Does a Gold IRA Rollover Work?

When you have funds in a retirement account like a 401(k), and you want to use the funds to invest in gold for retirement, you can do a gold IRA rollover.

When you do this, you can use those funds to purchase gold bullion, gold coins, and other precious metals as a hedge against inflation or economic instability.

The process starts with distributing funds from your existing retirement account which are held for no more than 60 days. During this time, you set up your gold IRA with a custodian. After your new account is set up, the funds are transferred into it.

Advantages of Investing in Precious Metals

  • A Hedge Against Inflation

Over the years, gold has always been a safe place for people to put their money to preserve their worth during inflationary times. Economic and political turmoil often push the economy toward inflation which leads to a weaker dollar and less purchasing power.

Consumer prices shoot up, and the value of your investments suddenly is not worth as much anymore. Gold is not affected by these fluctuations because the metal can hold its value. 

People who invested in gold saw their worth go up during inflationary times. Gold is an effective hedge against inflation. Your paper investments can lose value when the dollar declines.

However, the value of gold will go up. If you have a portion of your investment in gold, even as other parts of your investments erode in value, your gold investment will increase in value, thus preserving the overall worth of your portfolio.

  • Diversification

This relates to the above. When you diversify, you lower the risk that is connected to your money because the various assets will not react to the market in the same way, if at all. You may even get a higher return over the years.

When you hold the precious metal in your retirement account, it reduces the effect of market volatility on your total worth. You rest easier knowing that even if there is a market downturn, your gold investments will be the cushion and might even rise in value.

  • More Stability

The precious metal has an inherent value that is not affected by what happens in the economy. The value is more stable than currency.

A currency that is issued by the government, or fiat money, is not guaranteed by any commodity like gold. The value of a paper currency like the U.S. dollar is determined by how much of it is in circulation.

The stability of the government that issued the currency also affects the value.

When an economy is in trouble, the government tends to fix these problems by printing more money. The more paper money goes into circulation, the less they are worth.

However, the value of the precious metal is not determined by what happens in the government. Therefore, their value remains stable.

What can IRA Financial Group do for You?

self-directed ira page

The company is a fund administrator for your IRA. They maintain the account and advise you on the best investments for your new IRA. They provide individual, customized services to their clients. Their advisors are all registered with the IRS.

The company is an expert in investing in non-traditional assets in retirement accounts. They utilize advanced banking technology to make the transactions as seamless and straightforward as possible.

They can review your existing retirement account and advise you on what other investments might be appropriate to increase your returns for the long term. They look for tax-efficient ways of investing to help you save more for your retirement.

They strive to be transparent about their fees. Their fee schedule is posted on their website. Here are some of their current fees:

  • Self-Directed IRA: $300 annually
  • Self-Directed IRA LLC: a one-time fee of $999 or $300 annually
  • 401(k): a one-time fee of $999 or $199 annually
  • ROBS Solution: one-time fee of $2,500 or $100 monthly
  • Self-Directed IRAs

IRA Financial Group can help you set up a self-directed IRA (SDIRA). You can have a standard SDIRA or a SDIRA LLC.

In a self-directed IRA, you can purchase precious metals, real estate, or other types of investments that are tangible. You can sell and get access to the funds without any penalty.

It is easy to set up a self-directed IRA with IRA Financial Group. There is no minimum amount that you must deposit. You can take as much or as little advice from their advisors in making your investment choices.

You invest in what you want, within the confines of the tax code, that works best for your retirement strategy.

  • 401(k)s

The solo 401(k) is an alternative to the self-directed IRA. What you can invest in it depends on what the IRS tax code allows.

This plan allows you to contribute around $60,000. In emergencies, you can withdraw up to $50,000. You have a broad range of investment options to choose from.

The company will explain everything to you about the self-directed IRA and the 401(k). An advisor will help you figure out which one is more appropriate for you.

The company provides materials that will educate investors so they can make an informed decision with their retirement funds.

If you want more information about this alternative, reach out to the company.

  • ROBS Solution

The ROBS (Rollover As Business Startups) Solution is another alternative to how you can invest in your IRA. You first will need to create a C Corporation.

The C Corporation is a new business that you own 100%. You transfer funds from your existing retirement plan into the company, then you pay yourself from it. The payments can be considered tax-free dividends.

You use the money from your retirement account to make a down payment on a business. This way, you are investing in yourself or a business that you own without any penalty.

If you are interested in this option, contact the IRA Financial Group for more information.

  • Various Investment Opportunities

The company offers different investment opportunities including gold, real estate, and cryptocurrencies. Their advisors are on hand to explain how these work and help you set up your self-directed IRA so you can get into these investments.

Their website is rich in educational resources that explain these types of investments. They want their potential clients to understand these investments before they get into them.

Complaints from Clients

In our research for this review, we went to reputable review sites like the Better Business Bureau, Trustpilot, and Business Consumer Alliance to see if there had been any complaints about them.

When you plan to entrust almost your life's savings with a company, you should do your due diligence and find out if previous clients are happy with their services. You should do this with any financial institution that you plan to work with.

Overall, the company had good reviews. Any complaints were resolved quickly and amicably without getting the law involved. The only drawback is that there are not that many reviews to start with.

You can do your research on IRA Financial Group to see if you can find more reviews about them. The information you find may help you decide whether or not you want to invest with this company.

Is IRA Financial Group Legitimate?

The company has been operating at a physical location for more than a decade. So, we are sure that this company is legitimate.

They are experts in setting up self-directed IRAs, Solo 401(k)s, and ROBS plans, and can help you make effective investments that the U.S. tax codes allow.

Now that you have this information, you can do a comparison between this company with the other financial firms that offer the same type of services. You can determine if IRA Financial Group offers you any opportunities you want that other companies do not offer.

When you are looking for a company to which you want to entrust your retirement future, you want to make the right choice.

Notable Features of IRA Financial Group

  • You can invest in assets allowed by the IRS by setting a self-directed IRA, Solo, 401(k), or ROBS Plan.
  • They provide full support in helping you set up a self-directed IRA and invest in it.
  • With a self-directed IRA, you can invest in cryptocurrency and gold, which are currently the two most popular investment choices. They advise you on how you can maximize your gains from your self-directed IRA.
  • They have a physical company location from which they have worked for the past decade. This provides more reassurance than for financial firms that are online only.

Pros and Cons


  • They provide investment education and advice on your self-directed IRA.
  • They have a physical location, so they are legitimate.
  • They have accreditation from the Better Business Bureau.
  • You can invest in gold and cryptocurrencies.
  • Any customer complaints were quickly and amicably resolved.


  • Not very many reviews online, so finding out more about the company is a challenge.
  • Not the best option for investors that want to open a precious metals IRA.


IRA Financial Group's main focus is serving as an IRA custodian. The company takes care of your IRA account. They offer opportunities for you to invest in non-traditional assets like gold, real estate, and cryptocurrencies.

Their staff of professional financial experts will help you optimize your retirement account. They can help you make new investments as long as they comply with the IRS tax code.

IRA Financial Group is an acceptable company, they are not a scam.  But they are not the best choice for investors that want to protect their wealth from the dangers of inflation with an IRA that can hold physical gold and silver.

There are much better options that we can recommend by reading our Top Gold IRA Companies report.

You can get a Free Gold Investors Guide from our top gold and precious metals company recommendation by clicking the link above or you can read our article of the top companies we reviewed this year:

Click Here for Our List of the Best Gold IRA Companies to Invest With

Or, if you like what you have read about IRA Financial Group, you can go to their website below: