COMING SOON
Bring Your Own Deal
Invest in Opportunities You Source
Invest in what you know
Source your own deals, real estate, private companies, promissory notes, or other alternative assets, and invest through your IRA.
Invest in What You Find
Source your own deals, real estate, private companies, promissory notes, or other alternative assets, and invest through your IRA.
Tax-Advantaged
All returns from your deal flow back into your IRA, typically with tax-deferred or tax-free treatment, depending on your account type.
Streamlined Process
Retired.com makes it easy to process your self-sourced investments. Our team handles the administrative work so you can focus on the deal.
★★★★★
COMING SOON
How can I bring my own deal to an IRA
Top benefits of using Retired.com’s for your own deals
Invest on Your Terms
You find the deal. You do the due diligence. Retired.com provides the platform and administration to execute it inside your IRA.
Low, Transparent Fees
No hidden charges. You’ll always know exactly what you’re paying.
Broad Asset Flexibility
Bring deals in real estate, private equity, startups, promissory notes, private debt, and other permissible alternative assets.
Expert Support
Real retirement specialists available to guide you through the real estate IRA process. Not bots, not FAQs.
Speed to Close
Dedicated funding/processing means you're not stuck waiting weeks on a slow custodian and losing the deal.
Ways to fund your deal
Strategies
Your retirement blueprint, for free
Want to understand how to bring a deal to your IRA, what documentation is required, and what IRS rules apply? Explore our resource center for guides and checklists.
Learn Before You Start with Retired.com’s Guides and Articles
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Frequently Asked Questions
What does Bring Your Own Deal mean?
Bring Your Own Deal (BYOD) means you source your own investment opportunity and direct your self-directed IRA to invest in it through Retired.com. You find the deal, perform your own due diligence, and our platform handles the administrative and compliance work to execute it inside your IRA.
What types of deals can I bring?
You can bring a wide range of alternative investment opportunities, including real estate purchases, private company investments, promissory notes, private equity fund commitments, startup investments, private debt instruments, and more, as long as the asset is permissible inside a self-directed IRA.
What documentation do I need to provide?
The documentation required depends on the type of investment. Common requirements include purchase agreements, subscription documents, operating agreements, and other transaction-specific paperwork. Our team will walk you through exactly what’s needed for your specific deal.
How long does it take to process a deal?
Processing times vary depending on the complexity of the investment and the completeness of the documentation provided. Simple transactions may be completed in a matter of days, while more complex deals may take longer. Our team keeps you informed throughout the process.
Are there prohibited transactions I need to watch for?
Yes. IRS rules prohibit self-dealing and transactions with disqualified persons. For example, your IRA cannot transact with you, your spouse, or certain family members. Our specialists help ensure your deal complies with IRA rules.
What fees are associated with Bring Your Own Deal?
Retired.com charges transparent fees for account administration and deal processing. There are no hidden charges. Full fee details are provided before you commit, so you know exactly what you’re paying.
Does Retired.com evaluate or endorse the deals I bring?
No. Retired.com does not provide investment advice, evaluate investment merit, or endorse any specific deal. You are responsible for your own due diligence and investment decisions. Retired.com provides the platform, custody, and administrative services to facilitate the investment inside your IRA.
*Based on assets under custody across all retired.com consumer brands as of 05/18/2026.
**Review and rating count is aggregated across public review platforms and app stores for all Retired.com consumer brands. Average platform rating is calculated as the average of displayed ratings and not weighted by review or rating count.
Reviews and media mentions listed on this page include those across all Retired.com consumer brands.
Your Future Starts Now. Let’s Build It Together.
You find the deal. We make it happen.
