We would like to express our sincere appreciation for the outstanding service provided by Mis. Morgan A. Her professionalism, attention to details, and willingness to go above and beyond did not g... See more
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Review summary
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What people talk about most
Based on these reviews
Wow, what a treat! Prompt, competent, friendly, well staffed service. Becky S was exceptional. Somebody wise, discerning and hardworking at the top runs a tight ship. As the owner of multiple small bu... See more
Company replied
I am not familiar with 401K , I don’t speak or understand the language , procedures , rules and regulations. Tamara Perez was so patient and understanding of my lack of understanding and knowledge. Ta... See more
Company replied
I called in for help to set up my Roth SDIRA as a legal entity on a broker site as part of the information required to purchase two private equity investment funds. Morgan Appeldorn was ready to help... See more
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Company details
About IRA Financial
Written by the company
The smarter way to invest your IRA or 401(k) in alternative assets
At IRA Financial, we help clients take control of their retirement funds and invest beyond traditional stocks and mutual funds — including real estate, private equity, crypto, and more. Our clients value having direct access to in-house tax and ERISA professionals to help ensure their structure remains IRS compliant every step of the way.Getting Started is Simple
Whether you're diversifying, self-employed, or funding a new business, we provide the structure and support to help you move forward with confidence.Contact info
5109 S Broadband Ln, 57108, Sioux Falls, United States
- 1-800-472-1043
- info@irafinancial.com
- irafinancial.com
4.7
Excellent
2K reviews
Replied to 93% of negative reviews
Typically replies within 2 weeks
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Tamara's service was extremely helpful…
Tamara's service was extremely helpful and supportive from start to finish. She was quick to respond and made the process easy and stress free. Tamara had a really positive, welcoming energy that made the whole experience feel comfortable and encouraging. She also did a great job guiding me through the next steps, explaining everything clearly so I knew exactly what to do moving forward. Overall, it was a smooth and reassuring experience.
March 3, 2026
Unprompted review
Reply from IRA Financial
We really appreciate you taking the time to share your experience. It’s great to hear that everything went smoothly and that Tamara was able to assist you along the way. Our goal is to make the process as seamless as possible, and your feedback lets us know we’re on the right track. Thank you for being a valued client.
Morgan A was a pleasure to work with
Morgan A was a pleasure to work with. She patiently answered all my questions and was a huge help! Thank you!
March 16, 2026
Unprompted review
Reply from IRA Financial
Thank you for your kind words! We’re so glad to hear you had a positive experience, and we’ll be sure to pass your feedback along to Morgan. Providing knowledgeable and responsive support is something we take seriously, and it’s great to know that came through. We truly appreciate you choosing IRA Financial.
Reply from IRA Financial
We appreciate your feedback! It’s great to hear that Morgan provided clear and helpful communication throughout the process. We know how important that is, especially with self-directed investing, and we’re glad you had a positive experience.
Cindy
Cindy, went over and above helping me with the issues I needed taken care of. She was very patient and ensured that everything was taken care in an expedient time.
March 16, 2026
Unprompted review
Reply from IRA Financial
Thank you for the kind words! We’re thrilled to hear that Cindy went above and beyond to assist you. Delivering that level of service is exactly what we strive for, and your feedback is truly appreciated. Thanks again for choosing IRA Financial.
Exceptional Support from Morgan A
Morgan A was awesome.
I called needing help with how to do both an Employee Contribution and an Employer Contribution to my Solo 401k.
She was extremely patience with all my questions and ensured I understood when we were done.
Thanks Morgan A!!
Rick Forristall
March 13, 2026
Unprompted review
Reply from IRA Financial
Thank you for your kind words! We’re so glad to hear you had a positive experience, and we’ll be sure to pass your feedback along to Morgan. Helping clients feel informed and confident is a big part of what we do. We appreciate you being part of the IRA Financial community.
The ROBS process can be difficult for…
The ROBS process can be difficult for somebody with no prior experience to understand. Maria Esposito took the time and walked me through each step of the process. It was more than customer services, I could tell she genuinely cared. I appreciate her hard work and patience.
March 12, 2026
Unprompted review
Reply from IRA Financial
Thank you for sharing your feedback! We’re especially glad to hear that Maria was able to provide clear guidance and support throughout your experience. Helping clients feel informed and confident is a big part of what we do. We appreciate you being part of the IRA Financial community.
Nelza M once again did a fantastic job…
Nelza M once again did a fantastic job with my request. She was prompt, attentive and verified that all my documents were correct before the transaction took place. Thanks again Nelza.
March 9, 2026
Unprompted review
Reply from IRA Financial
Thank you for the great review! We’re glad to hear that your experience was efficient and that Nelza helped move things along smoothly. We know how important timing can be, and we’re always working to provide a streamlined process. We appreciate your trust in IRA Financial.
Suvie Fogelman answered my questions…
Suvie Fogelman answered my questions quickly and provided great feedback. She was very patient with me on the phone and was wonderful.
March 10, 2026
Unprompted review
Reply from IRA Financial
Thank you for your kind words! We’re so glad to hear you had a positive experience, and we’ll be sure to pass your feedback along to Suvie. Providing knowledgeable and responsive support is something we take seriously, and it’s great to know that came through. We truly appreciate you choosing IRA Financial.
Nelza was excellent
Nelza was excellent. This process is complex, IRAFinancial was the right one-stop shop for my ROBS program.
March 2, 2026
Unprompted review
Reply from IRA Financial
We really appreciate you taking the time to share your experience. It’s great to hear that everything went smoothly and that Nelza was able to assist you along the way. Our goal is to make the process as seamless as possible, and your feedback lets us know we’re on the right track. Thank you for being a valued client.
Maria Esposito, who was instrumental throughout the entire process
"I recently worked with IRA Financial to set up a ROBS (Rollover as Business Startups) account, and I cannot recommend them highly enough. A huge thank you to Maria Esposito, who was instrumental throughout the entire process. Navigating the complexities of a ROBS account can be daunting, but Maria made it look easy. She was professional, incredibly knowledgeable, and kept me informed every step of the way. Thanks to her diligence, my account was set up and funded quickly and without any issues. If you’re looking for someone who is reliable and truly knows the industry, ask for Maria!" The company itself does not do a good job of communicating or providing support, but the specialist makes or breaks this process. Having Maria in my corner made all the difference.
October 31, 2025
Unprompted review
Reply from IRA Financial
We truly appreciate your detailed feedback. Setting up a ROBS can feel overwhelming, and we’re glad Maria’s professionalism and expertise made the experience smooth and successful. We also take your comments about communication seriously and will continue working to improve consistency across the entire client experience.
The ROBS process was very efficient
The ROBS process was very efficient. Maria did a great job helping me navigate the process and answering all my questions
March 3, 2026
Unprompted review
Reply from IRA Financial
Thank you for your review. We’re glad the ROBS process felt efficient and that Maria was able to guide you clearly every step of the way.
THANKS Maria Esposito
Maria Esposito was such a pleasure to work with. She was very knowledgeable about the ROBS 401k plan and gave me a peace of mind while navigating the whole process. She would even call me after hours and answer any questions that I would think of. Thanks Maria
November 26, 2025
Unprompted review
Reply from IRA Financial
We’re so pleased to hear Maria provided peace of mind throughout your ROBS setup. Going above and beyond for our clients is something we value deeply, and we’ll be sure she sees your feedback.
Jenn Benitez is great!
Two years later and Jenn was a great help getting a Certificate of Incumbency for my LLC, which she had helped me with in getting a new Certificate of Good Standing for a Change of Address in 2024! Super attitude, excellent understanding of the system, and I enjoyed practicing my Spanish with her!
February 27, 2026
Unprompted review
Reply from IRA Financial
Thank you for the thoughtful review. We’re happy Jenn was able to assist you again and make the process seamless. It’s great to hear her knowledge and positive attitude stood out.
Clunky user interface, limited investment options, unhelpful service
I wanted to have a Roth IRA in a specialized investment area which involved a separate investment platform. Initially (about 5-6 years ago), though a bit clunky, I was able to invest in what I wanted and the reporting for the IRA's value was pretty easy to do. At that point, I would have rated IRA Financial "5". About two years ago, IRA Financial switched investment platforms for this investment. Since then, the service has fallen far short of my expectations or experience with the previous investment platform. Comparatively speaking, my investment choices are VERY limited, and many of the investments listed as "available to invest" are showing up with "no trades", "no market", etc. which I know is totally inaccurate. There is no explanation as to why, if they are listed on this new platform as being available to invest in, they are not tradeable. Getting to the investment platform is no longer intuitive. It is confusing at best. Reporting the value of the IRA is impossible at this point. When I click on the choices that IRA Financial personnel directed me to do via email, I get a blank screen with a tiny bit of writing that says, "No asset valuation found" or something similar. Repeated attempts to have IRA Financial simply EMAIL ME THE FORM so that can complete it have met with no success. Since it has been five years since I set up this IRA, I will look for alternatives that are more user-friendly and offer better customer service. What a pain.
February 26, 2026
Unprompted review
Reply from IRA Financial
We’re truly sorry to hear how frustrating your recent experience has been, especially after you previously had such a positive experience with the platform. Changes to investment platforms are intended to improve long-term stability and capabilities, but we understand that limited investment visibility, “no market” messaging, and valuation reporting issues can create confusion and inconvenience. That’s not the experience we want for any client. We have shared your feedback internally with our team.
We would appreciate the opportunity to review your specific account issues. Please reach out to our customer service team so we can escalate this and provide direct assistance
Professional, Diligent, and Knowledgeable
Nezla at IRA Financial made a potentially complicated ROBS transaction feel seamless. She provided clear direction at every step, was always available for questions, and ensured my business was funded on schedule. Her professionalism and expertise gave me total confidence in my new business structure. Five stars for Nezla and the team!
February 20, 2026
Unprompted review
Reply from IRA Financial
We appreciate you sharing your experience. ROBS transactions can feel complex, and we’re glad Nezla provided the clarity and confidence you needed while keeping everything on schedule. Thank you for trusting us with your business funding.
Maria Esposito made my experience!!!
Maria Esposito is made my experience incredibly smooth. She communicated everything to me and was prompt in returning my calls or emails.
November 4, 2025
Unprompted review
Reply from IRA Financial
Thank you for the wonderful feedback. We’re thrilled to hear that Maria made your experience smooth and communicated clearly throughout the process. We’ll be sure to share your kind words with her.
Jenn was great
February 20, 2026
Unprompted review
Reply from IRA Financial
Thank you for the five stars. We’re happy Jenn was able to help and appreciate you taking the time to share your experience.
Nelza
Nelza, and Shanon provided me an excellent Roll over guidance and completed it ahead of schedule. I give kudos to IRA Financial as it was by far the complicated roll over one could imagine.
December 8, 2025
Unprompted review
Reply from IRA Financial
Thank you so much for your kind words. We’re thrilled to hear that Nelza and Shanon were able to guide you through such a complex rollover and complete it ahead of schedule. We’ll be sure to pass along your kudos to both of them.
We appreciate you choosing IRA Financial and look forward to continuing to support your retirement journey.
User Friendly is not a Buzz word.
User Friendly is not a Buzz word in this company. for example, if you are new this world and fill-out a deposit form incorrectly you cannot delete it. The ext for Avery F just rings and then hangs it self up after 54 seconds. This company does not have the knowledge to guide a new through unless the new customer already knows what all the terms and words mean inside the company.
February 10, 2026
Unprompted review
Reply from IRA Financial
Thank you for your feedback. We appreciate you pointing out areas where your experience could have been smoother, especially as a newer investor navigating self-directed retirement accounts.
We understand that terminology and internal processes can feel overwhelming at first. Your comments regarding form corrections, accessibility, and guidance are valuable and help us identify areas where we can improve clarity and user experience.
If you’re open to it, we would welcome the opportunity to better assist you. Please feel free to contact our support team and we’ll make sure you’re connected with someone who can walk through any questions step by step.
Urgent need
I had an situation that required a couple of tasks to be expedited related to my account, and IRA Financial accomplished them quickly, professionally, cleanly, easily, and didn't even charge extra fees! Thank you!
February 2, 2026
Unprompted review
Reply from IRA Financial
Thank you for taking the time to share your experience! We’re glad our team was able to step in quickly and help resolve your urgent request efficiently and professionally.
Providing timely support without unnecessary fees is important to us, and we’re happy to hear that it made a difference for you. We appreciate your trust in IRA Financial and look forward to continuing to support your retirement goals.
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