No. Self-Directed Plans charges flat fees. Your setup fee is a one-time fixed cost, and your monthly subscription does not change based on how much your plan holds or how well your investments perform.
Some self-directed IRA custodians charge fees as a percentage of account value. That model may be familiar from traditional investment accounts, where a manager is actively selecting and trading assets on your behalf.
That is not what is happening here. With a checkbook control IRA or Solo 401(k), you make all investment decisions directly, using the plan-owned LLC or trust account. The custodian's role is administrative: holding the IRA, processing IRA layer transactions, and reporting to the IRS annually. That work does not become more or less demanding based on how much capital you have inside the entity, or how many investment transactions you execute within it. Charging a percentage of account value for that fixed administrative role reflects the custodian's interest in capturing a share of your growth, not the actual cost of the service.
Our fees reflect what the service actually costs to deliver, not the size of your portfolio.
Do fees increase as my investments grow in value?
No. Whether your plan holds $50,000 or $500,000, your subscription fee stays the same. Growth in your portfolio does not affect what you pay.
Are there any fees tied to how many investments I hold?
For the Solo 401(k), no. The plan holds investments directly and there are no per-asset fees of any kind.
For IRA-based plans, the answer depends on how your portfolio is structured. IRA Resources administers the IRA at the entity level, not the investment level. A single LLC or trust is included with your plan. If you choose to hold additional entities within your IRA, each one carries an additional annual fee of $75. An investor might do this to hold LLCs formed in two different states for separate properties, or to use an LLC for direct real estate alongside a trust for paper assets, like private loans or cryptocurrency.
There are never fees based on how many investments are held inside a given LLC or trust. Only the number of entities in the IRA account affects this cost.
This information is provided for educational purposes only and should not be interpreted as tax, legal, or investment advice. Readers are encouraged to consult a qualified professional who can offer guidance based on their personal situation.