Pricing - IRA Club
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Fee Schedules

Transparent pricing across all IRA Club account types. Review fees below and download any schedule as a PDF.

Self-Directed IRA

Self-Directed Custodial IRA

Traditional, Roth, SEP & SIMPLE IRA Fee Schedule
Overlay

$195

Membership
Due upon account opening and annually thereafter.
Overlay (1)

$195

Per Holding
Due at the time of purchase and annually thereafter.
• TRANSACTION PROCESSING
Earnest Money Deposit $75
Buy/Sell/Transfer Asset $100
Buy/Sell/Transfer Real Estate $175
• BANKING
Recurring Distribution via ACH $5
Withdrawal via Check $15
Wire In/Out $25/$35
• MISCELLANEOUS
Promissory Note Extension $50
FedEx Overnight $75
Roth Conversion $100
• ALWAYS INCLUDED
Form 5498/1099R Filing $0
RMD Calculation $0
Live Webinars & Education $0
Effective 4/01/2024, please note that each account must maintain a minimum $500 cash balance. Should the cash balance fall below the minimum required, a $100 low balance penalty will be charged at the time of renewal. Fees are automatically deducted from the account, and members may opt to charge fees to a credit or debit card. Additional miscellaneous fees include but are not limited to a 3.5% fee for contributions via credit card, void/stop payment fee, incomplete or late Fair Market Valuation form ($175), leveraged real estate ($225), international wires ($90), buy/sell/transfer offshore real estate ($495.00), offshore real estate holding fees ($395), and account termination ($325). Depository storage fees for precious metals may apply. A copy of our current fee schedule is available on our website, iraclub.com. Fees are subject to change.
Download PDF
Self-Directed Plan

Self-Directed Solo 401(k)

Custodial Fee Schedule
Overlay

$395

Membership
Due upon account opening and annually thereafter.
Overlay (1)

$195

Per Holding
Due at the time of purchase and annually thereafter.
• TRANSACTION PROCESSING
Buy/Sell/Transfer Asset $100
Buy/Sell/Transfer Real Estate $175
Earnest Money Deposit $75
Leveraged Real Estate $225
• BANKING
Recurring Distribution via ACH $5
Withdrawal via Check $15
Wire In/Out $25/$35
Void/Stop Payment $35
• MISCELLANEOUS
Promissory Note Extension $50
FedEx Overnight $75
Roth Conversion $100
• ALWAYS INCLUDED
Plan Documents $0
Form 5500 & 1099R Filing $0
Allowable Transaction Analysis $0
Effective 4/01/2024, please note that each account must maintain a minimum $500 cash balance. Should the cash balance fall below the minimum required, a $100 low balance penalty will be charged at the time of renewal. Fees are automatically deducted from the account, and members may opt to charge fees to a credit or debit card. Additional miscellaneous fees include but are not limited to a 3.5% fee for contributions via credit card, void/stop payment fee, incomplete or late Fair Market Valuation form ($175), leveraged real estate ($225), international wires ($90), buy/sell/transfer offshore real estate ($495.00), offshore real estate holding fees ($395), and account termination ($325). Depository storage fees for precious metals may apply. A copy of our current fee schedule is available on our website, iraclub.com. Fees are subject to change.
Download PDF
Self-Directed IRA

Self-Directed IRA-LLC

Traditional, Roth, SEP & SIMPLE IRA-LLC Fee Schedule
Overlay

$995

IRA-LLC Setup
Due upon account opening. Setup includes single-member LLC EIN & Operating Agreement.
Overlay (1)

$325

LLC Holding
Due at the time of funding and annually thereafter (per LLC).
• TRANSACTION PROCESSING
Each funds transfer between IRA and LLC *excludes Meridian Bank accounts $100
Multi-member Add-on $300
• BANKING
IRA Withdrawal via Check $15
Wire In/Out $25/$35
Void/Stop Payment $35
• MISCELLANEOUS
State LLC Formation (one-time) $varies
FedEx Overnight $75
Roth Conversion $100
Checking Account Activation at Meridian Bank $100
• ALWAYS INCLUDED
Plan Documents $0
Form 5500 & 1099R Filing $0
Allowable Transaction Analysis$0
Live Webinars & Education$0
Effective 4/01/2024, please note that each account must maintain a minimum $500 cash balance. Should the cash balance fall below the minimum required, a $100 low balance penalty will be charged at the time of renewal. Fees are automatically deducted from the account, and members may opt to charge fees to a credit or debit card. Additional miscellaneous fees include but are not limited to a 3.5% fee for contributions via credit card, void/stop payment fee, incomplete or late Fair Market Valuation form ($175), leveraged real estate ($225), international wires ($90), buy/sell/transfer offshore real estate ($495.00), offshore real estate holding fees ($395), and account termination ($325). Depository storage fees for precious metals may apply. A copy of our current fee schedule is available on our website, iraclub.com. Fees are subject to change.
Download PDF

Employer-Sponsored Plan

Simple IRA

Overlay

$1950

Employer Membership
Due upon account opening and annually thereafter.
Overlay (1)

$40

Per Employee
Due upon account opening and annually thereafter.

Pricing Table
• TRANSACTION PROCESSING
Earnest Money Deposit $75
Buy/Sell/Transfer Asset $100
Buy/Sell/Transfer Real Estate $175
• BANKING
Recurring Distribution via ACH $5
Withdrawal via Check $15
Wire In/Out $25/$35
• MISCELLANEOUS
Promissory Note Extension $50
FedEx Overnight $75
Roth Conversion $100
• ALWAYS INCLUDED
Form 5498/1099R Filing $0
RMD Calculation $0
Live Webinars & Education $0
iFlip

Monthly (Employee): $7*  |  Alternative Investments — Annually per asset: $195  |  *See Optionality structure

ANNUAL MEMBERSHIP INCLUDES
icon Complete set of plan documents (all plan documents have earned a favorable opinion letter)
icon Your plan’s annual IRS filings (including Form 5500 and 1099R)
icon Plan participant rollovers and contributions are immediately invested into their iFlip SmartFolios with no custodial minimum balance requirement
icon iFlip Account Maintenance Fees are withdrawn from participant accounts on a monthly basis
icon Administration and recordkeeping
icon Ongoing DOL required updates to plan documents (to address IRS and DOL required plan amendments)
icon Minimum starting balance of $500.00 required for each SmartFolio selected. Plan participants can start with one SmartFolio and build from there
Effective 4/01/2024, please note that each account must maintain a minimum $500 cash balance. Should the cash balance fall below the minimum required, a $100 low balance penalty will be charged at the time of renewal. Fees are automatically deducted from the account, and members may opt to charge fees to a credit or debit card. Additional miscellaneous fees include but are not limited to a 3.5% fee for contributions via credit card, void/stop payment fee, incomplete or late Fair Market Valuation form ($175), leveraged real estate ($225), international wires ($90), buy/sell/transfer offshore real estate ($495.00), offshore real estate holding fees ($395), and account termination ($325). Depository storage fees for precious metals may apply. A copy of our current fee schedule is available on our website, iraclub.com. Fees are subject to change.
Explore on IRA Club SBS

Employer-Sponsored Plan

Payroll Deduction IRA

Overlay

$950

Employer Membership
Due upon account opening and annually thereafter.
Overlay (1)

$40

Per Employee
Due upon account opening and annually thereafter.
• TRANSACTION PROCESSING
Earnest Money Deposit $75
Buy/Sell/Transfer Asset $100
Buy/Sell/Transfer Real Estate $175
• BANKING
Recurring Distribution via ACH $5
Withdrawal via Check $15
Wire In/Out $25/$35
• MISCELLANEOUS
Promissory Note Extension $50
FedEx Overnight $75
Roth Conversion $100
• ALWAYS INCLUDED
Form 5498/1099R Filing $0
RMD Calculation $0
Live Webinars & Education $0

iFlip

Monthly (Employee): $7*  |  Alternative Investments — Annually per asset: $195  |  *See Optionality structure

ANNUAL MEMBERSHIP INCLUDES
icon Complete set of plan documents (all plan documents have earned a favorable opinion letter)
icon Your plan’s annual IRS filings (including Form 5500 and 1099R)
icon Plan participant rollovers and contributions are immediately invested into their iFlip SmartFolios with no custodial minimum balance requirement
icon iFlip Account Maintenance Fees are withdrawn from participant accounts on a monthly basis
icon Administration and recordkeeping
icon Ongoing DOL required updates to plan documents (to address IRS and DOL required plan amendments)
icon Minimum starting balance of $500.00 required for each SmartFolio selected. Plan participants can start with one SmartFolio and build from there
Effective 4/01/2024, please note that each account must maintain a minimum $500 cash balance. Should the cash balance fall below the minimum required, a $100 low balance penalty will be charged at the time of renewal. Fees are automatically deducted from the account, and members may opt to charge fees to a credit or debit card. Additional miscellaneous fees include but are not limited to a 3.5% fee for contributions via credit card, void/stop payment fee, incomplete or late Fair Market Valuation form ($175), leveraged real estate ($225), international wires ($90), buy/sell/transfer offshore real estate ($495.00), offshore real estate holding fees ($395), and account termination ($325). Depository storage fees for precious metals may apply. A copy of our current fee schedule is available on our website, iraclub.com. Fees are subject to change.
Explore on IRA Club SBS
Employer-Sponsored Plan

Defined Benefit Plans + 401(k)

Overlay

$3,950

Employer Membership
Due upon account opening and annually thereafter.
Overlay (1)

Percentage-based fee

Capped at 0.95%
Due upon account opening and annually thereafter.

• BANKING
Recurring Distribution via ACH $5
Withdrawal via Check $15
Wire In/Out $25/$35
• TRANSACTION PROCESSING
Comparability, amendments or Forms 8955-SSA/5330 $300
Distributions or extensions $150
Trust accounting or CPA audit $150/hr
DB distributions, DB amendments or PBGC reporting $375

iFlip

Monthly (Employee): $7*  |  *See Optionality structure

ANNUAL MEMBERSHIP INCLUDES
icon Complete set of plan documents (all plan documents have earned a favorable opinion letter)
icon Complete annual non-discrimination testing ADP and ACP
icon Ongoing DOL required updates to plan documents (to address IRS and DOL required plan amendments)
icon iFlip Account Maintenance Fees are withdrawn from participant accounts on a monthly basis
icon Administration and recordkeeping
icon Your plan's annual IRS filings (including Form 5500 and 1099R)
icon Minimum starting balance of $500.00 required for each SmartFolio selected. Plan participants can start with one SmartFolio and build from there
Effective 4/01/2024, please note that each account must maintain a minimum $500 cash balance. Should the cash balance fall below the minimum required, a $100 low balance penalty will be charged at the time of renewal. Fees are automatically deducted from the account, and members may opt to charge fees to a credit or debit card. Additional miscellaneous fees include but are not limited to a 3.5% fee for contributions via credit card, void/stop payment fee, incomplete or late Fair Market Valuation form ($175), leveraged real estate ($225), international wires ($90), buy/sell/transfer offshore real estate ($495.00), offshore real estate holding fees ($395), and account termination ($325). Depository storage fees for precious metals may apply. A copy of our current fee schedule is available on our website, iraclub.com. Fees are subject to change.
Explore on IRA Club SBS
Health Savings Account

Investable HSA

Investable HSA Fee Schedule
Overlay

$195

Membership
Due upon account opening and annually thereafter.
Overlay (1)

$195

Per Holding
Due at the time of purchase and annually thereafter.
• TRANSACTION PROCESSING
Earnest Money Deposit $75
Buy/Sell/Transfer Asset $100
Buy/Sell/Transfer Real Estate $175
• BANKING
Recurring Distribution via ACH $5
Withdrawal via Check $15
Wire In/Out $25/$35
• MISCELLANEOUS
Promissory Note Extension $50
FedEx Overnight $75
Roth Conversion $100
• ALWAYS INCLUDED
Form 5498/1099R Filing $0
Allowable Transaction Analysis $0
Live Webinars & Education $0
Effective 4/01/2024, please note that each account must maintain a minimum $500 cash balance. Should the cash balance fall below the minimum required, a $100 low balance penalty will be charged at the time of renewal. Fees are automatically deducted from the account, and members may opt to charge fees to a credit or debit card. Additional miscellaneous fees include but are not limited to a 3.5% fee for contributions via credit card, void/stop payment fee, incomplete or late Fair Market Valuation form ($175), leveraged real estate ($225), international wires ($90), buy/sell/transfer offshore real estate ($495.00), offshore real estate holding fees ($395), and account termination ($325). Depository storage fees for precious metals may apply. A copy of our current fee schedule is available on our website, iraclub.com. Fees are subject to change.
Download PDF
Health Savings Account

Debit Card HSA

HSA (For Qualified Medical Expenses) Fee Schedule
Overlay

$75

Membership
Due upon account opening and annually thereafter.
Overlay (2)

$0

Visa Debit Card
Each funds transfer between IRA and HSA: $25
• TRANSACTION PROCESSING
Each funds transfer between IRA and HSA $25
• BANKING
IRA Withdrawal via Check $15
Wire In/Out $25/$35
Void/Stop Payment $35
FedEx Overnight $75
Roth Conversion $100
• ALWAYS INCLUDED
Form 5498-SA/1099R-SA Filing $0
Allowable Expense Analysis $0
Live Webinars & Education $0
Effective 4/01/2024, please note that each account must maintain a minimum $500 cash balance. Should the cash balance fall below the minimum required, a $100 low balance penalty will be charged at the time of renewal. Fees are automatically deducted from the account, and members may opt to charge fees to a credit or debit card. Additional miscellaneous fees include but are not limited to a 3.5% fee for contributions via credit card, void/stop payment fee, incomplete or late Fair Market Valuation form ($175), leveraged real estate ($225), international wires ($90), buy/sell/transfer offshore real estate ($495.00), offshore real estate holding fees ($395), and account termination ($325). Depository storage fees for precious metals may apply. A copy of our current fee schedule is available on our website, iraclub.com. Fees are subject to change.
Download PDF

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