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Self-Directed IRA Fees

At New Direction Trust Company, we disclose all of our fees up front so that the account holder can make an accurate calculation of their net return on investment. We invite you to examine the full fee schedule and ask us any questions that you may have.

With NDTCO, your account service includes industry-best live customer service as well as innovative automated services that allow you to manage your account quickly and efficiently.

Download your FREE Self-Directed IRA Investing Guide

Self-Directed IRA Investing Guide
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Real Estate IRA Fees:

The majority of our accounts that own real estate choose the Option 1 annual fee because it is a flat fee that does not increase as rent comes in and/or the property appreciates.

Whichever annual fee you choose, our advanced online account portal includes FREE bill pay capability that allows you to easily and quickly make payments for things like taxes, insurance, HOA fees, etc. For added convenience, the tenants of your IRA-owned property can pay their rent online and directly into your account.

Download your FREE Real Estate Investing Guide

Real Estate IRA Investing Guide
Download Guide 

Annual Fee Option 1:

295 per asset, per year*

1 asset = 295/year
2 assets = 590/year
3 assets = 885/year
...and so on.

Leveraged assets

1 asset with 1 mortgage = 490/year
2 assets with 2 mortgages = 980/year
3 assets with 3 mortgages = 1,470/year
...and so on.

*Annual fee is charged when you purchase an asset and annually on the anniversary month of the first asset purchased in your account thereafter. Mortgages used to purchase real estate are considered a separate asset. The annual fee charged for a mortgage is 195 per year.

Annual Fee Option 2:

Based on the VALUE of the account*

Account Value: Annual Fee:
0 - 14,999.99 195
15,000 - 29,999.99 250
30,000 - 44,999.99 325
45,000 - 59,999.99 375
60,000 - 89,999.99 450
90,000 - 124,999.99 525
125,000 - 249,999.99 650
250,000 - 499,999.99 775
500,000 - 749,999.99 1,500

*Annual fee is charged when you purchase an asset and semi-annually thereafter.

single family home

Fee Example: Purchase Single Family Home

(value: 250,000)

  • 50 application fee to open your IRA
  • Free incoming rollover, transfer, and/or contribution
  • 250 Transaction Fee to acquire the real estate
  • 30 Outgoing Wire Fee to send funds to the closing
  • 295 Flat Annual Fee each year that the IRA owns the property
  • 0 Outgoing Check Fee for any bill payment request made via the online portal

Approximate first year total fees: 625
Approximate following years: 295

condos

Fee Example: Purchase Condo w/ 40% Down Payment

(value: 125,000)

When using leverage (non-recourse loan) to purchase real estate, the mortgage must be kept as a separate asset. The fee difference is an additional transaction fee at the time of acquisition and 195/year for the loan until it is paid in full.

  • 50 application fee to open your IRA
  • Free incoming rollover, transfer, and/or contribution
  • 345 Transaction Fee to acquire the real estate and the non-recourse loan
  • 30 Outgoing Wire Fee to send funds to the closing
  • 295/year Flat Annual Fee each year that the IRA owns the property
  • 195/year Flat Annual Fee each year until the IRA pays the loan in full
  • 0 Outgoing Check Fee for any bill payment request made via the online portal

Approximate first year total fees: 915
Approximate following years: 490

Precious Metals IRA Fees:

Application Fee $ 50.00 Application fee to open your IRA
Transaction Fee $ 40.00 Transaction fee (per purchase/sale/exchange of metals)
Outgoing Wire Fee $ 25.00 Outgoing wire fee (per wire)
Annual Fee $ 75.00 Flat annual fee for accounts under $ 100,000

New Direction Trust Company account holders choose the dealer and depository that they want to do business with. Once you have selected the specific metals products to purchase, the dealer will submit an invoice to New Direction Trust Company. Funds from your IRA go to the dealer, and your IRA-owned metals are shipped to the depository.

Depository fees vary by facility. You may pay the depository fees from your IRA cash balance or out of pocket.

Download your FREE Precious Metals Investing Guide

Precious Metals Investing Guide
Download Guide 
100g fine gold

Fee Example: Account Value of 65,000

  • 50 Appilcation Fee to open your IRA
  • Free incoming rollover, transfer, and/or contribution
  • 40 Flat Transaction Fee (per purchase/sale/exchange of metals)
  • 25 Outgoing Wire Fee (per wire)
  • 75 Annual Fee (for accounts under 100,000)
  • Storage Fees - vary depending on storage provider

First year total fees: 190 + storage
Following years: 75 + storage

stack of gold and silver coins with a clock

Fee Example: Account Value of 90,000

  • 50 Application Fee to open your IRA
  • Free incoming rollover, transfer, and/or contribution
  • 40 Transaction Fee (per purchase/sale/exchange of metals)
  • 25 Outgoing Wire Fee (per wire)
  • 75 Annual Fee (for accounts under 100,000)
  • Storage Fees - vary depending on storage provider

First year total fees: 190 + storage
Following years: 75 + storage

100g fine gold

Fee Example: Account Value of 150,000

  • 50 Application Fee to open your IRA
  • Free incoming rollover, transfer, and/or contribution
  • 40 Transaction Fee (per purchase/sale/exchange of metals)
  • 25 Outgoing Wire Fee (per wire)
  • 125 Annual Fee (for accounts over 100,000)
  • Storage Fees - vary depending on storage provider

First year total fees: 240 + storage
Following years: 125 + storage

All Other Investments:

Application Fee $ 50.00 Application fee to open your IRA
Rollover, transfer and/or contribution $ 0.00 Free incoming rollover, transfer, and/or contribution
Transaction Fee $ 95.00 Transaction fee (per purchase/sale/exchange of any asset except real estate)
Check Fee $ 5.00 Fee to send IRA funds to the borrower
Annual Fee $ 295.00 Flat annual fee for ongoing administration (using Option #1 on fee schedule)

New Direction Trust Company offers a full service account experience with competitive fees no matter how many and which assets your account owns. Choose the annual fee option that best fits the investments that your IRA or HSA owns. If your account’s asset profile changes over time, you can change your annual fee schedule.

Download your FREE Self-Directed IRA Investing Guide

Self-Directed IRA Investing Guide
Download Guide 

Annual Fees Option 1:

295 per asset, per year*

1 asset = 295/year
2 assets = 590/year
3 assets = 885/year
...and so on.

Leveraged assets

1 asset with 1 mortgage = 490/year
2 assets with 2 mortgages = 980/year
3 assets with 3 mortgages = 1,470/year
...and so on.

*Annual fee is charged when you purchase an asset and annually on the anniversary month of the first asset purchased in your account thereafter. Mortgages used to purchase real estate are considered a separate asset. The annual fee charged for a mortgage is 195 per year.

Annual Fees Option 2:

Based on the VALUE of the account*

Account Value: Annual Fee:
0 - 14,999.99 195
15,000 - 29,999.99 250
30,000 - 44,999.99 325
45,000 - 59,999.99 375
60,000 - 89,999.99 450
90,000 - 124,999.99 525
125,000 - 249,999.99 650
250,000 - 499,999.99 775
500,000 - 749,999.99 1,500
 

*Annual fee is charged when you purchase an asset and semi-annually thereafter.

skyscraper buildings

Fee Example: Loan 60,000 to a third party securing the note with real estate

  • 50 Appilcation Fee to open your IRA
  • Free incoming rollover, transfer, and/or contribution
  • 95 Transaction Fee (per purchase/sale/exchange of any asset except real estate)
  • 5 Check Fee (to send IRA funds to the borrower)
  • 295 Flat Annual Fee for ongoing administration (using Option #1 on the fee schedule)

First year total fees: 445
Following years: 295

handshake in a business building

Fee Example: Purchasing private equity for 10,000

  • 50 Appilcation Fee to open your IRA
  • Free incoming rollover, transfer, and/or contribution
  • 95 Transaction Fee (per purchase/sale/exchange of any asset except real estate)
  • 5 Check Fee (to send IRA funds to the investment company)
  • 195 Annual Fee for ongoing administration (using Option #2 on the fee schedule)

First year total fees: 345
Following years: 195

Private Equity:

Application Fee $ 50.00 Application fee to open your IRA
Check Fee $ 5.00 Fee to send IRA funds to investment manager
Transaction Fee $ 95.00 Transaction fee (per purchase/sale/exchange of any asset except real estate)
Annual Fee $ 295.00 Flat annual fee for ongoing administration (using Option #1 on fee schedule)

New Direction Trust Company offers a full service account experience with competitive fees no matter how many and which assets your account owns. Choose the annual fee option that best fits the investments that your IRA or HSA owns. If your account’s asset profile changes over time, you can change your annual fee schedule.

Download your FREE Private Equity Investing Guide

Self-Directed IRA Investing Guide
Download Guide 

Annual Fees Option 1:

295 per asset, per year*

1 asset = 295/year
2 assets = 590/year
3 assets = 885/year
...and so on.

Leveraged assets

1 asset with 1 mortgage = 490/year
2 assets with 2 mortgages = 980/year
3 assets with 3 mortgages = 1,470/year
...and so on.

*Annual fee is charged when you purchase an asset and annually on the anniversary month of the first asset purchased in your account thereafter. Mortgages used to purchase real estate are considered a separate asset. The annual fee charged for a mortgage is 195 per year.

Annual Fees Option 2:

Based on the VALUE of the account*

Account Value: Annual Fee:
0 - 14,999.99 195
15,000 - 29,999.99 250
30,000 - 44,999.99 325
45,000 - 59,999.99 375
60,000 - 89,999.99 450
90,000 - 124,999.99 525
125,000 - 249,999.99 650
250,000 - 499,999.99 775
500,000 - 749,999.99 1,500

*Annual fee is charged when you purchase an asset and semi-annually thereafter.

jar of money

Fee Example: Purchase private equity for 60,000

  • 50 Appilcation Fee to open your IRA
  • Free incoming rollover, transfer, and/or contribution
  • 95 Transaction Fee (per purchase/sale/exchange of any asset except real estate)
  • 5 Check Fee (to send IRA funds to the investment company)
  • 295 Flat Annual Fee for ongoing administration (using Option #1 on the fee schedule)

First year total fees: 445
Following years: 295

handshake

Fee Example: Purchasing private equity for 10,000

  • 50 Appilcation Fee to open your IRA
  • Free incoming rollover, transfer, and/or contribution
  • 95 Transaction Fee (per purchase/sale/exchange of any asset except real estate)
  • 5 Check Fee (to send IRA funds to the investment company)
  • 195 Annual Fee for ongoing administration (using Option #2 on the fee schedule)

First year total fees: 345
Following years: 195

Checkbook IRA:

Application Fee $ 50.00 Application fee to open your IRA
Check Fee $ 5.00 Fee to send IRA funds to investment manager
Transaction Fee $ 95.00 Transaction fee (per purchase/sale/exchange of any asset except real estate)
Annual Fee $ 295.00 Flat annual fee for ongoing administration (using Option #1 on fee schedule)

New Direction Trust Company offers a full service account experience with competitive fees no matter how many and which assets your account owns. Choose the annual fee option that best fits the investments that your IRA or HSA owns. If your account’s asset profile changes over time, you can change your annual fee schedule.

Download your FREE Checkbook IRA Investing Guide

Self-Directed IRA Investing Guide
Download Guide 

Annual Fees Option 1:

295 per asset, per year*

1 asset = 295/year
2 assets = 590/year
3 assets = 885/year
...and so on.

Leveraged assets

1 asset with 1 mortgage = 490/year
2 assets with 2 mortgages = 980/year
3 assets with 3 mortgages = 1,470/year
...and so on.

*Annual fee is charged when you purchase an asset and annually on the anniversary month of the first asset purchased in your account thereafter. Mortgages used to purchase real estate are considered a separate asset. The annual fee charged for a mortgage is 195 per year.

Annual Fees Option 2:

Based on the VALUE of the account*

Account Value: Annual Fee:
0 - 14,999.99 195
15,000 - 29,999.99 250
30,000 - 44,999.99 325
45,000 - 59,999.99 375
60,000 - 89,999.99 450
90,000 - 124,999.99 525
125,000 - 249,999.99 650
250,000 - 499,999.99 775
500,000 - 749,999.99 1,500

*Annual fee is charged when you purchase an asset and semi-annually thereafter.

checkbook IRA

Fee Example: Owning a checkbook LLC with your IRA with a value of 60,000

  • 50 Appilcation Fee to open your IRA
  • Free incoming rollover, transfer, and/or contribution
  • 95 Transaction Fee (per purchase/sale/exchange of any asset except real estate)
  • 5 Check Fee (to fund the LLC)
  • 295 Flat Annual Fee for ongoing administration (using Option #1 on the fee schedule)

First year total fees: 445
Following years: 295

checkbook IRA

Fee Example: Own a checkbook LLC with your IRA with a value of 10,000

  • 50 Appilcation Fee to open your IRA
  • Free incoming rollover, transfer, and/or contribution
  • 95 Transaction Fee (per purchase/sale/exchange of any asset except real estate)
  • 5 Check Fee (to fund the LLC)
  • 195 Annual Fee for ongoing administration (using Option #2 on the fee schedule)

First year total fees: 345
Following years: 195

Private Lending:

Application Fee $ 50.00 Application fee to open your IRA
Check Fee $ 5.00 Fee to send IRA funds to investment manager
Transaction Fee $ 95.00 Transaction fee (per purchase/sale/exchange of any asset except real estate)
Annual Fee $ 295.00 Flat annual fee for ongoing administration (using Option #1 on fee schedule)

New Direction Trust Company offers a full service account experience with competitive fees no matter how many and which assets your account owns. Choose the annual fee option that best fits the investments that your IRA or HSA owns. If your account’s asset profile changes over time, you can change your annual fee schedule.

Download your FREE Private Lending Investing Guide

Self-Directed IRA Investing Guide
Download Guide 

Annual Fees Option 1:

295 per asset, per year*

1 asset = 295/year
2 assets = 590/year
3 assets = 885/year
...and so on.

Leveraged assets

1 asset with 1 mortgage = 490/year
2 assets with 2 mortgages = 980/year
3 assets with 3 mortgages = 1,470/year
...and so on.

*Annual fee is charged when you purchase an asset and annually on the anniversary month of the first asset purchased in your account thereafter. Mortgages used to purchase real estate are considered a separate asset. The annual fee charged for a mortgage is 195 per year.

Annual Fees Option 2:

Based on the VALUE of the account*

Account Value: Annual Fee:
0 - 14,999.99 195
15,000 - 29,999.99 250
30,000 - 44,999.99 325
45,000 - 59,999.99 375
60,000 - 89,999.99 450
90,000 - 124,999.99 525
125,000 - 249,999.99 650
250,000 - 499,999.99 775
500,000 - 749,999.99 1,500
 

*Annual fee is charged when you purchase an asset and semi-annually thereafter.

hand holding cash

Fee Example: Loan 260,000

(secure or unsecured)

  • 50 Appilcation Fee to open your IRA
  • Free incoming rollover, transfer, and/or contribution
  • 95 Transaction Fee (per purchase/sale/exchange of any asset except real estate)
  • 5 Check Fee (to send IRA funds to the borrower)
  • 295 Flat Annual Fee for ongoing administration (using Option #1 on the fee schedule)

First year total fees: 445
Following years: 295

alarm clock sitting on a pile of cash

Fee Example: Purchase a portfolio of 4 loans

for a total of 25,000

  • 50 Appilcation Fee to open your IRA
  • Free incoming rollover, transfer, and/or contribution
  • 95 Transaction Fee (per purchase/sale/exchange of any asset except real estate)
  • 5 Check Fee (to send IRA funds to the borrower)
  • 250 Annual Fee for ongoing administration (using Option #2 on the fee schedule)

First year total fees: 400
Following years: 250

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