COMING SOON

Bring Your Own Deal

Invest in Opportunities You Source

Invest in Opportunities You Source

Invest in Opportunities You Source

Already found an investment opportunity? Retired.com’s Bring Your Own Deal option lets you direct your self-directed IRA to invest in the deals you discover, real estate, private placements, startups, and more.

Invest in What You Find

Invest in What You Find

Source your own deals, real estate, private companies, promissory notes, or other alternative assets, and invest through your IRA.

Source your own deals, real estate, private companies, promissory notes, or other alternative assets, and invest through your IRA.

Invest in What You Find

Invest in What You Find

Source your own deals, real estate, private companies, promissory notes, or other alternative assets, and invest through your IRA.

Source your own deals, real estate, private companies, promissory notes, or other alternative assets, and invest through your IRA.

Tax-Advantaged

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.

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

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.

Retired.com makes it easy to process your self-sourced investments. Our team handles the administrative work so you can focus on the deal.

$12B+

$12B+

Assets Under Custody*

Assets Under Custody*

250K+

250K+

Community Members

Community Members

★★★★★

4.7 / 5

4.7 / 5

rating**

rating**

COMING SOON

1. Open an Account

Sign up and establish your self-directed IRA. Fully online with secure identity verification.

2. Fund Your Account

Transfer, roll over, or contribute funds to your IRA. Our team guides you through the funding process.

3. Submit Your Deal

Bring us the investment details. Our team facilitates the investment through your IRA.

Benefits Using Retired.com For Your 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.

Expert Support

Real retirement specialists available to help process your deal and ensure it meets IRA compliance requirements. Not bots, not FAQs.

Broad Asset Flexibility

Bring deals in real estate, private equity, startups, promissory notes, private debt, and other permissible alternative assets.

Low, Transparent Fees

No hidden charges. You’ll always know exactly what you’re paying.

Ways to Fund Your Deal

Transfer an existing IRA

Transfer an existing IRA

Already have an IRA? Move it to Retired.com without triggering taxes or penalties.

Already have an IRA? Move it to Retired.com without triggering taxes or penalties.

401(k) Rollovers

401(k) Rollovers

Transfer your old 401(k) or employer plan tax-free into a IRA. We handle the paperwork.

Transfer your old 401(k) or employer plan tax-free into a IRA. We handle the paperwork.

Make a new contribution

Make a new contribution

Start fresh with a direct contribution. Annual limits apply based on your account type.

Start fresh with a direct contribution. Annual limits apply based on your account type.

Get Started

Your Bring Your Own Deal 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.

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.

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.