Estate planning at Alto IRA

Through the Alto Marketplace, accredited investors can access private equity, venture capital, real estate (including farmland and multifamily housing), private credit, fixed income notes, pre-IPO opportunities, and infrastructure investments. Minimum investments range from $10,000 to $100,000+ depending on the offering. The Private Raise Portal allows investors to bring their own alternative investment opportunities to fund through their Alto IRA.

The Alto CryptoIRA provides access to 250+ cryptocurrencies through Coinbase integration. Available as a Traditional or Roth IRA with a $10 minimum investment per trade. There is no custody fee; Alto charges a 1% trade fee per transaction (included in order size). Digital assets are held 1:1 in a combination of hot and cold storage. Uninvested cash balances are held in an FDIC-insured account at Needham Bank.

Yes. Alto accepts transfers from existing IRAs and rollovers from 401(a), 401(k), 403(b), 457, and TSP accounts at no fee. You can initiate a transfer or rollover directly through your Alto account dashboard. Multiple Alto accounts per person are permitted, though aggregate annual contribution limits apply across all IRA accounts.

Alto Trust Company, a New Mexico-chartered trust company regulated by the New Mexico Regulation and Licensing Department's Financial Institutions Division, serves as the custodian for all Alto self-directed IRA accounts. Alto Trust Company provides custody, recordkeeping, and regulatory reporting services. Alto Solutions, Inc. performs administrative duties on behalf of the custodian. Alto Securities, LLC is the FINRA/SIPC-member broker-dealer for Marketplace offerings.

Per Internal Revenue Code Section 4975, Alto IRAs cannot hold life insurance, collectibles, certain coins, or personal-use real estate. Prohibited transactions with disqualified persons (spouses, ancestors, descendants, and certain business entities) are not allowed. Borrowing from an IRA is also prohibited.

Yes. Alto accepts rollovers from 401(a), 401(k), 403(b), 457, and TSP accounts at no transfer fee. You can also transfer from existing IRAs at other custodians. Multiple Alto accounts per person are permitted, though aggregate annual contribution limits apply across all IRA accounts.

Accredited investor status is not required to open an Alto IRA or CryptoIRA. However, most Alto Marketplace alternative investment offerings require accredited investor status ($200K annual income if single, $300K if married, or $1M+ net worth excluding primary residence). Standard IRA contributions and CryptoIRA trades are available to all eligible U.S. residents.