Self-Directed IRA Fees | Alternative Assets

The IRS requires self-directed accounts to be administered by a custodian to ensure that the recordkeeping is done in accordance with IRS guidelines. The fees at Entrust allow us to do the recordkeeping and account administration for your self-directed account. At Entrust, you will receive best-in-class service from a highly knowledgeable team with over 40 years of experience.

We want you to spend your time investing not calculating fees. That’s why we have created a fee schedule that is simple and transparent.

We know our clients value the flexibility to grow and diversify their portfolios, so we have designed our fees to adapt to every type of investor. Whether you invest $20,000 or $2,000,000 in a self-directed account, our fees are scaled to match the complexity of administering your account and make sure you have quality service and access to SDIRAs at a reasonable price.

Pay fees based on the value of your assets, and don’t get penalized for the number of assets you hold. We also have a fee cap for large accounts so you can keep more of your investment earnings with the Entrust fee structure.

Self-Directed IRA Fee Categories

Our four fee categories are explained below:

Account Establishment Fee

One-time fee that covers the cost to open each account.

Annual Recordkeeping Fee

This fee covers the work we do to keep your account compliant, complete the IRS reporting, and fulfill the necessary account recordkeeping and administrative work.

Purchase and Sale
of Asset Fees

One-time fees that take care of the paperwork required to execute the purchase or sale of an asset.

Transaction
Fees

Transaction fees are one-time fees charged for specific transactions and may not apply to every account. When necessary, these fees cover items such as paper checks, stopped checks, rushed processing, and account termination.

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Fees Breakdown

Account Establishment Fee

One-time account establishment fee for opening a self-directed IRA, per account

$50

Annual Recordkeeping Fees (billed quarterly)

Total Asset Value
under $50,000
(excluding cash)

Total Asset Value
of $50,000 or more*
(excluding cash)

A single asset

$199 annually

$199 annually
+ 0.15% of the total asset value
over $50,000* (excl. cash)

Two or more assets

$299 annually

$299 annually
+ 0.15% of the total asset value
over $50,000* (excl. cash)

Purchase And Sale of Asset Fees

Purchase, sale, exchange or additional funding, per asset

(excluding real estate, precious metals, and/or crowdfunding with selected companies)

$95

Purchase, sale, or exchange of real estate

(includes earnest money deposit, if applicable)

$175

Purchase, sale, or exchange of real estate with non-recourse loan

(includes earnest money deposit, if applicable)

$250

Purchase, sale, or exchange of precious metals

(precious metals depository fees, such as storage and shipping, may apply)

Purchase, sale, or exchange of crowdfunding

(only if investing with the following companies: WeFunder, SharesPost, Realty Mogul, Funders Club, EquityZen, and CrowdStreet)

Transaction Fees: (Some accounts may incur one-time transaction fees. Please select this drop down to learn more about possible transaction fees.)

ACH transfers, incoming and outgoing

Wire transfers, per item, incoming and outgoing

$30

Overnight delivery via FedEx, UPS, USPS, etc

$30

Checks

(includes all check requests)

$10/check

Cashier’s check or other official bank check

$30

Research of closed assets or accounts, legal research, or special handling of transactions

$150/hour

Rush fees for expedited transaction processing or services within the same or next day

$150

Returned items of any kind and stop payments, per item

$30

Re-registration of assets plus expenses of transfer agents (if applicable)

$100

Account termination processing fee

$250

*The uninvested cash in your account is not charged a 0.15% fee, regardless of the amount of cash held in there. The 0.15% fee is assessed solely on the total asset value above $50,000. For example, an account with two assets of a total value of $150,000 and $12,000 cash would pay a fee of $299 + 0.15% of $100,000 ($150), or a total of $449 annually.

There is a cap on recordkeeping fees at $2,299 per year, so no matter how much your account grows, you know you will never pay more.

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Example Annual Self-Directed Account Fees

$40,000

Invested in a single note

$40,000

Invested in two private equity assets

$60,800

Invested in one precious metals asset type

$60,800

Invested in three types of precious metals assets

$120,000

Invested in a single note

$460,000

Invested in a two notes and one real estate property

$40,000

Invested in a single note

Account Establishment Fee:

$50 (one-time fee)

Annual Recordkeeping Fee:

$199 (annual fee billed quarterly at $49.75)

Purchase Asset Fee:

$95 (one-time fee)

Transaction Fees:

Only charged when a transaction occurs.

Total annual cost

$344

for the first year ($199 after the first year)

$40,000

Invested in two private equity assets

Account Establishment Fee:

$50 (one-time fee)

Annual Recordkeeping Fee:

$299 (annual fee billed quarterly at $74.75)

Purchase Asset Fee:

$95 (one-time fee for each asset purchased)

Transaction Fees:

Only charged when a transaction occurs.

Total annual cost

$444

for the first year ($299 after the first year)

$60,800

Invested in one precious metals asset type

Account Establishment Fee:

$50 (one-time fee)

Annual Recordkeeping Fee:

$199 (annual fee billed quarterly at $49.75)

$16 (.15% on $10,800*)

Purchase Asset Fees:

Transaction Fees:

Only charged when a transaction occurs

In this example, the account holds multiple 2019 Gold American Eagle (1 oz) coins, with a total combined value of $60,800. Note that there is only one asset type in this example (2019 American Eagle Gold coins), regardless of how many units of that asset type are held in the account.

Total annual cost

$265

for the first year ($215 after the first year)

$60,800

Invested in three types of precious metals assets

Account Establishment Fee:

$50 (one-time fee)

Annual Recordkeeping Fee:

$299 (annual fee billed quarterly at $74.75)

$16 (.15% on $10,800*)

Purchase Asset Fees:

Transaction Fees:

Only charged when a transaction occurs

In this example, the account holds multiple 1998 Gold American Eagle (1oz) coins, 2019 Gold American Eagle (1oz) coins, and 2019 Platinum Australian Koala (1oz) coins, with a total combined value of $60,800. Note that there are three asset types in this example (1998 American Eagle Gold coins, 2019 American Eagle Gold coins, and 2019 Platinum Australian Koala coins), regardless of how many units of each asset type are held in the account.

Total annual cost

$365

for the first year ($315 after the first year)

$120,000

Invested in a single note

Account Establishment Fee:

$50 (one-time fee)

Annual Recordkeeping Fee:

$199 (annual fee billed quarterly at $49.75)

$105 (0.15% on $70,000)

Purchase Asset Fee:

$95 (one-time fee)

Transaction Fees:

Only charged when a transaction occurs.

Total annual cost

$449

for the first year ($304 after the first year)

$460,000

Invested in a two notes and one real estate property

Account Establishment Fee:

$50 (one-time fee)

Annual Recordkeeping Fee:

$299 (annual fee billed quarterly at $49.75)

$615 (0.15% on $410,000)

Private Lending Purchase Asset Fee:

$190 (one-time fee)

Real Estate Purchase Asset Fee:

$175 (one-time fee)

Transaction Fees:

Only charged when a transaction occurs.

Total annual cost

$1329

for the first year ($914 after the first year)

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Estimate your annual recordkeeping fee with Entrust.

Please keep in mind that some accounts and activities may incur transaction fees.
These are not included in your annual recordkeeping fee.

Number of Assets
$ Total Asset Value

Calculate

Your Annual Fees

Based on the information you provided, your fees would be based on the number of assets. (Option 1)

Based on the information you provided, your fees would be based on the asset value. (Option 2)

Calculate using the table below:

	Total Asset Value under $50,000 (excluding cash)	Total Asset Value of $50,000 or more* (excluding cash)
A single asset	$199 annually	$199 annually + 0.15% of the total asset value over $50,000* (excl. cash)
Two or more assets	$299 annually	$299 annually + 0.15% of the total asset value over $50,000* (excl. cash)

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