Accuplan Benefits Services Reviews 

Avoid this custodian if you're evaluating self-directed IRAs for a real estate syndication. The fees were never clearly disclosed upfront — they charge $9.95 on every single distribution you receive, which on a typical $437.50 distribution is over 2% off the top, on top of a $349.95 annual custodial fee and a $399.95 initial setup fee. Total fees paid since opening the account in 2024: $1,469.85, against a syndication with a 14% target return. That's a real bite into the entire point of the investment.
For comparison, several other major SDIRA custodians (Madison Trust, IRA Financial) use flat annual or quarterly pricing specifically to avoid this kind of per-transaction erosion. Accuplan nickel-and-dimes you on every transaction — they even charge $35 to reverse one of their own fee mistakes.
Customer service is nearly impossible to reach, and there's no real support for navigating their account portal. I had repeated issues just getting the account set up, then had three separate distribution checks returned over the life of the account, each adding more fees. When I asked about the most recent one, I was told it was the check writer's fault — I confirmed directly with the syndicator that this was untrue, and that another investor at this same custodian had the exact same problem.
I've transferred my account elsewhere. If you're shopping custodians, look closely at the per-transaction fee schedule, not just the advertised setup and annual fees — it adds up fast.

My contact has been very positive in getting SDIRA set up and funded.

Terrible company that could very well be playing games with clients' money. Once the funds arrive at Accuplan, it is impossible to move them elsewhere. It is even more difficult to get anyone on the phone or by email to assist with questions. DO NOT DO BUSINESS WITH THE COMPANY!!!!

I decided to switch firms because you are very difficult and not helpful to work with. Your NO customer service could not have made the transfer to my new custodian more difficult if you tried.
You can count on me for absolutely NO referrals after all the months of hell you put me and my custodian through to transfer my accounts.
I don’t understand how companies like you stay in business.
I hope you really look into how poor your non-existent customer service is.
Believe me, if I had the time, I would write to the SEC and the Federal Banking commission about your despicable behavior.

With regrets from doing business with you,
Enrique E.

The person I spoke with was very patient, polite and professional. She made sure I filled the form for a withdrawal correctly which saved me a lot of time.

I've held funds in a self-directed IRA for a few years with Accuplan now. I find their process to invest those funds cumbersom. They put transactions on hold, citing things that have already been taken care of like it's a boiler plate list, and not specific to my investment. They communicate almost exclusively through their online account alerts, which is also a bit discouraging. My guess is you can probably find a custodian that's easier to work with.

Accuplan essentially secured my retirement by letting me invest my IRA funds into a rental property which has not only produced $3000+ per month in income but whose value since 2011 has increased from $325 to $1.1 million. I'm set! Plus I did not have to check my account value anytime the stock market had a bad day. Peace of mind in other words.

I had a quick question about Accuplan's business procedures and decided to try out the chat app on their website. You must enter a name and email address to be able to chat with someone. I used real information in both instances.

The chat was handled quickly and efficiently. And a transcript of the chat session was sent to me via email, which I appreciated. So this should have warranted a 5-star review from me.

However, providing my email address seems to have been regarded as tacit permission to be put on their marketing email list. Nothing was said about this or the use of my email information when I provided it in the chat.

So I have now had to make the effort to unsubscribe to future emails. For this reason I am rating the experience as a 3 (average). It seems that their chat app is more a sales and marketing tool rather than a means to be helpful in a manner that doesn't impose further on the prospective customer.