Self-Directed IRA Fees
At New Direction Trust Company, we disclose all of our fees up front so that the account holder can make an accurate calculation of their net return on investment. We invite you to examine the full fee schedule and ask us any questions that you may have.
With NDTCO, your account service includes industry-best live customer service as well as innovative automated services that allow you to manage your account quickly and efficiently.
Real Estate IRA Fees:
The majority of our accounts that own real estate choose the Option 1 annual fee because it is a flat fee that does not increase as rent comes in and/or the property appreciates.
Whichever annual fee you choose, our advanced online account portal includes FREE bill pay capability that allows you to easily and quickly make payments for things like taxes, insurance, HOA fees, etc. For added convenience, the tenants of your IRA-owned property can pay their rent online and directly into your account.
Annual Fee Option 1:
315 per asset, per year*
1 asset = 315/year
2 assets = 630/year
3 assets = 945/year
...and so on.
Leveraged assets
1 asset with 1 mortgage = 530/year
2 assets with 2 mortgages = 1,060/year
3 assets with 3 mortgages = 1,590/year
...and so on.
*Annual fee is charged when you purchase an asset and annually on the anniversary month of the first asset purchased in your account thereafter. Mortgages used to purchase real estate are considered a separate asset. The annual fee charged for a mortgage is 215 per year.
Annual Fee Option 2:
Based on the VALUE of the account*
| Account Value: | Annual Fee: |
| 0 - 14,999.99 | 215 |
| 15,000 - 29,999.99 | 270 |
| 30,000 - 44,999.99 | 345 |
| 45,000 - 59,999.99 | 395 |
| 60,000 - 89,999.99 | 470 |
| 90,000 - 124,999.99 | 545 |
| 125,000 - 249,999.99 | 670 |
| 250,000 - 499,999.99 | 795 |
| 500,000 - 749,999.99 | 1,520 |
| 750,000 + | 1,870 |
*Annual fee is charged when you purchase an asset and semi-annually thereafter.
Fee Example: Purchase Single Family Home
(value: 250,000)
- 30 application fee to open your IRA online, 75 paper/fillable pdf
- Free incoming rollover, transfer, and/or contribution
- 250 Transaction Fee to acquire the real estate
- 30 Outgoing Wire Fee to send funds to the closing
- 315 Flat Annual Fee each year that the IRA owns the property
- 0 Outgoing Check Fee for any bill payment request made via the online portal
Approximate first year total fees: 625
Approximate following years: 315
Fee Example: Purchase Condo w/ 40% Down Payment
(value: 125,000)
When using leverage (non-recourse loan) to purchase real estate, the mortgage must be kept as a separate asset. The fee difference is an additional transaction fee at the time of acquisition and 215/year for the loan until it is paid in full.
- 30 application fee to open your IRA online, 75 paper/fillable pdf
- Free incoming rollover, transfer, and/or contribution
- 345 Transaction Fee to acquire the real estate and the non-recourse loan
- 30 Outgoing Wire Fee to send funds to the closing
- 315/year Flat Annual Fee each year that the IRA owns the property
- 215/year Flat Annual Fee each year until the IRA pays the loan in full
- 0 Outgoing Check Fee for any bill payment request made via the online portal
Approximate first year total fees: 935
Approximate following years: 530
Precious Metals IRA Fees:
| Application Fee | $ 50.00 | Application fee to open your IRA |
| Transaction Fee | $ 40.00 | Transaction fee (per purchase/sale/exchange of metals) |
| Outgoing Wire Fee | $ 25.00 | Outgoing wire fee (per wire) |
| Annual Fee | $ 75.00 | Flat annual fee for accounts under $ 100,000 |
New Direction Trust Company account holders choose the dealer and depository that they want to do business with. Once you have selected the specific metals products to purchase, the dealer will submit an invoice to New Direction Trust Company. Funds from your IRA go to the dealer, and your IRA-owned metals are shipped to the depository.
Depository fees vary by facility. You may pay the depository fees from your IRA cash balance or out of pocket.
Fee Example: Account Value of 65,000
- 30 application fee to open your IRA online, 75 paper/fillable pdf
- Free incoming rollover, transfer, and/or contribution
- 50 Flat Transaction Fee (per purchase or sale of metals) ONLY Basic Metals*
- 30 Outgoing Wire Fee (per wire)
- 130 Annual Fee (for accounts under 100,000)
- Storage Fees - vary depending on storage provider
First year total fees: 240 + storage (Based on an Online Application and Basic Metals purchased)*
Following years: 130 + storage
Fee Example: Account Value of 90,000
- 30 application fee to open your IRA online, 75 paper/fillable pdf
- Free incoming rollover, transfer, and/or contribution
- 50 Flat Transaction Fee (per purchase or sale of metals) ONLY Basic Metals*
- 30 Outgoing Wire Fee (per wire)
- 130 Annual Fee (for accounts under 100,000)
- Storage Fees - vary depending on storage provider
First year total fees: 240 + storage (Based on an Online Application and Basic Metals purchased)*
Following years: 130 + storage
Fee Example: Account Value of 150,000
- 30 application fee to open your IRA online, 75 paper/fillable pdf
- Free incoming rollover, transfer, and/or contribution
- 50 Transaction Fee (per purchase or sale of metals) ONLY Basic Metals*
- 30 Outgoing Wire Fee (per wire)
- 180 Annual Fee (for accounts over 100,000)
- Storage Fees - vary depending on storage provider
First year total fees: 290 + storage (Based on an Online Application and Basic Metals purchased)*
Following years: 180 + storage
*Basic Metals:
- Bars (any weight: Gold, Silver, Platinum, Palladium)
- American Eagle Coins (any weight: Gold, Silver, Platinum, Palladium)
- Canadian Maple Leaf Coins (1 ounce: Gold, Silver)
- American Buffalo Coins (1 ounce: Gold, Silver)
- Australian Kangaroo/Kookaburra Coins (1 ounce: Gold, Silver, Platinum)
- Austrian Philharmonic Coins (1 ounce: Gold, Silver)
- Britannia Coins (1 ounce: Gold, Silver, Platinum)
- South African Krugerrands (1 ounce: Silver)
**160 Flat Transaction Fee (per purchase/sale/exchange of metals) ANY Non-Basic Metals
All Other Investments:
| Application Fee | $ 50.00 | Application fee to open your IRA |
| Rollover, transfer and/or contribution | $ 0.00 | Free incoming rollover, transfer, and/or contribution |
| Transaction Fee | $ 95.00 | Transaction fee (per purchase/sale/exchange of any asset except real estate) |
| Check Fee | $ 5.00 | Fee to send IRA funds to the borrower |
| Annual Fee | $ 295.00 | Flat annual fee for ongoing administration (using Option #1 on fee schedule) |
New Direction Trust Company offers a full service account experience with competitive fees no matter how many and which assets your account owns. Choose the annual fee option that best fits the investments that your IRA or HSA owns. If your account’s asset profile changes over time, you can change your annual fee schedule.
Annual Fees Option 1:
315 per asset, per year*
1 asset = 315/year
2 assets = 630/year
3 assets = 945/year
...and so on.
Leveraged assets
1 asset with 1 mortgage = 530/year
2 assets with 2 mortgages = 1,060/year
3 assets with 3 mortgages = 1,590/year
...and so on.
*Annual fee is charged when you purchase an asset and annually on the anniversary month of the first asset purchased in your account thereafter. Mortgages used to purchase real estate are considered a separate asset. The annual fee charged for a mortgage is 215 per year.
Annual Fees Option 2:
Based on the VALUE of the account*
| Account Value: | Annual Fee: |
| 0 - 14,999.99 | 215 |
| 15,000 - 29,999.99 | 270 |
| 30,000 - 44,999.99 | 345 |
| 45,000 - 59,999.99 | 395 |
| 60,000 - 89,999.99 | 470 |
| 90,000 - 124,999.99 | 545 |
| 125,000 - 249,999.99 | 670 |
| 250,000 - 499,999.99 | 795 |
| 500,000 - 749,999.99 | 1,520 |
| 750,000 + | 1,870 |
*Annual fee is charged when you purchase an asset and semi-annually thereafter.
Fee Example: Loan 60,000 to a third party securing the note with real estate
- 30 application fee to open your IRA online, 75 paper/fillable pdf
- Free incoming rollover, transfer, and/or contribution
- 95 Transaction Fee (per purchase/sale/exchange of any asset except real estate)
- 5 Check Fee (to send IRA funds to the borrower)
- 315 Flat Annual Fee for ongoing administration (using Option #1 on the fee schedule)
First year total fees: 445
Following years: 315
Fee Example: Purchasing private equity for 10,000
- 30 application fee to open your IRA online, 75 paper/fillable pdf
- Free incoming rollover, transfer, and/or contribution
- 95 Transaction Fee (per purchase/sale/exchange of any asset except real estate)
- 5 Check Fee (to send IRA funds to the investment company)
- 215 Annual Fee for ongoing administration (using Option #2 on the fee schedule)
First year total fees: 345
Following years: 215
Private Equity:
| Application Fee | $ 50.00 | Application fee to open your IRA |
| Check Fee | $ 5.00 | Fee to send IRA funds to investment manager |
| Transaction Fee | $ 95.00 | Transaction fee (per purchase/sale/exchange of any asset except real estate) |
| Annual Fee | $ 295.00 | Flat annual fee for ongoing administration (using Option #1 on fee schedule) |
New Direction Trust Company offers a full service account experience with competitive fees no matter how many and which assets your account owns. Choose the annual fee option that best fits the investments that your IRA or HSA owns. If your account’s asset profile changes over time, you can change your annual fee schedule.
Annual Fees Option 1:
315 per asset, per year*
1 asset = 315/year
2 assets = 630/year
3 assets = 945/year
...and so on.
Leveraged assets
1 asset with 1 mortgage = 530/year
2 assets with 2 mortgages = 1,060/year
3 assets with 3 mortgages = 1,590/year
...and so on.
*Annual fee is charged when you purchase an asset and annually on the anniversary month of the first asset purchased in your account thereafter. Mortgages used to purchase real estate are considered a separate asset. The annual fee charged for a mortgage is 215 per year.
Annual Fees Option 2:
Based on the VALUE of the account*
| Account Value: | Annual Fee: |
| 0 - 14,999.99 | 215 |
| 15,000 - 29,999.99 | 270 |
| 30,000 - 44,999.99 | 345 |
| 45,000 - 59,999.99 | 395 |
| 60,000 - 89,999.99 | 470 |
| 90,000 - 124,999.99 | 545 |
| 125,000 - 249,999.99 | 670 |
| 250,000 - 499,999.99 | 795 |
| 500,000 - 749,999.99 | 1,520 |
| 750,000 + | 1,870 |
*Annual fee is charged when you purchase an asset and semi-annually thereafter.
Fee Example: Purchase private equity for 60,000
- 30 application fee to open your IRA online, 75 paper/fillable pdf
- Free incoming rollover, transfer, and/or contribution
- 95 Transaction Fee (per purchase/sale/exchange of any asset except real estate)
- 5 Check Fee (to send IRA funds to the investment company)
- 315 Flat Annual Fee for ongoing administration (using Option #1 on the fee schedule)
First year total fees: 445
Following years: 315
Fee Example: Purchasing private equity for 10,000
- 30 application fee to open your IRA online, 75 paper/fillable pdf
- Free incoming rollover, transfer, and/or contribution
- 95 Transaction Fee (per purchase/sale/exchange of any asset except real estate)
- 5 Check Fee (to send IRA funds to the investment company)
- 215 Annual Fee for ongoing administration (using Option #2 on the fee schedule)
First year total fees: 345
Following years: 215
Checkbook IRA:
| Application Fee | $ 50.00 | Application fee to open your IRA |
| Check Fee | $ 5.00 | Fee to send IRA funds to investment manager |
| Transaction Fee | $ 95.00 | Transaction fee (per purchase/sale/exchange of any asset except real estate) |
| Annual Fee | $ 295.00 | Flat annual fee for ongoing administration (using Option #1 on fee schedule) |
New Direction Trust Company offers a full service account experience with competitive fees no matter how many and which assets your account owns. Choose the annual fee option that best fits the investments that your IRA or HSA owns. If your account’s asset profile changes over time, you can change your annual fee schedule.
Annual Fees Option 1:
315 per asset, per year*
1 asset = 315/year
2 assets = 630/year
3 assets = 945/year
...and so on.
Leveraged assets
1 asset with 1 mortgage = 530/year
2 assets with 2 mortgages = 1,060/year
3 assets with 3 mortgages = 1,590/year
...and so on.
*Annual fee is charged when you purchase an asset and annually on the anniversary month of the first asset purchased in your account thereafter. Mortgages used to purchase real estate are considered a separate asset. The annual fee charged for a mortgage is 215 per year.
Annual Fees Option 2:
Based on the VALUE of the account*
| Account Value: | Annual Fee: |
| 0 - 14,999.99 | 215 |
| 15,000 - 29,999.99 | 270 |
| 30,000 - 44,999.99 | 345 |
| 45,000 - 59,999.99 | 395 |
| 60,000 - 89,999.99 | 470 |
| 90,000 - 124,999.99 | 545 |
| 125,000 - 249,999.99 | 670 |
| 250,000 - 499,999.99 | 795 |
| 500,000 - 749,999.99 | 1,520 |
| 750,000 + | 1,870 |
*Annual fee is charged when you purchase an asset and semi-annually thereafter.
Fee Example: Owning a checkbook LLC with your IRA with a value of 60,000
- 30 application fee to open your IRA online, 75 paper/fillable pdf
- Free incoming rollover, transfer, and/or contribution
- 95 Transaction Fee (per purchase/sale/exchange of any asset except real estate)
- 5 Check Fee (to fund the LLC)
- 315 Flat Annual Fee for ongoing administration (using Option #1 on the fee schedule)
First year total fees: 445
Following years: 315
Fee Example: Own a checkbook LLC with your IRA with a value of 10,000
- 30 application fee to open your IRA online, 75 paper/fillable pdf
- Free incoming rollover, transfer, and/or contribution
- 95 Transaction Fee (per purchase/sale/exchange of any asset except real estate)
- 5 Check Fee (to fund the LLC)
- 215 Annual Fee for ongoing administration (using Option #2 on the fee schedule)
First year total fees: 345
Following years: 215
Private Lending:
| Application Fee | $ 50.00 | Application fee to open your IRA |
| Check Fee | $ 5.00 | Fee to send IRA funds to investment manager |
| Transaction Fee | $ 95.00 | Transaction fee (per purchase/sale/exchange of any asset except real estate) |
| Annual Fee | $ 295.00 | Flat annual fee for ongoing administration (using Option #1 on fee schedule) |
New Direction Trust Company offers a full service account experience with competitive fees no matter how many and which assets your account owns. Choose the annual fee option that best fits the investments that your IRA or HSA owns. If your account’s asset profile changes over time, you can change your annual fee schedule.
Annual Fees Option 1:
315 per asset, per year*
1 asset = 315/year
2 assets = 630/year
3 assets = 945/year
...and so on.
Leveraged assets
1 asset with 1 mortgage = 530/year
2 assets with 2 mortgages = 1,060/year
3 assets with 3 mortgages = 1,590/year
...and so on.
*Annual fee is charged when you purchase an asset and annually on the anniversary month of the first asset purchased in your account thereafter. Mortgages used to purchase real estate are considered a separate asset. The annual fee charged for a mortgage is 215 per year.
Annual Fees Option 2:
Based on the VALUE of the account*
| Account Value: | Annual Fee: |
| 0 - 14,999.99 | 215 |
| 15,000 - 29,999.99 | 270 |
| 30,000 - 44,999.99 | 345 |
| 45,000 - 59,999.99 | 395 |
| 60,000 - 89,999.99 | 470 |
| 90,000 - 124,999.99 | 545 |
| 125,000 - 249,999.99 | 670 |
| 250,000 - 499,999.99 | 795 |
| 500,000 - 749,999.99 | 1,520 |
| 750,000 + | 1,870 |
*Annual fee is charged when you purchase an asset and semi-annually thereafter.
Fee Example: Loan 260,000
(secure or unsecured)
- 30 application fee to open your IRA online, 75 paper/fillable pdf
- Free incoming rollover, transfer, and/or contribution
- 95 Transaction Fee (per purchase/sale/exchange of any asset except real estate)
- 5 Check Fee (to send IRA funds to the borrower)
- 315 Flat Annual Fee for ongoing administration (using Option #1 on the fee schedule)
First year total fees: 445
Following years: 315
Fee Example: Purchase a portfolio of 4 loans
for a total of 25,000
- 30 application fee to open your IRA online, 75 paper/fillable pdf
- Free incoming rollover, transfer, and/or contribution
- 95 Transaction Fee (per purchase/sale/exchange of any asset except real estate)
- 5 Check Fee (to send IRA funds to the borrower)
- 270 Annual Fee for ongoing administration (using Option #2 on the fee schedule)
First year total fees: 400
Following years: 270
877.742.1270
info@ndtco.com
1070 W Century Dr.
Louisville, CO 80027
Online Access
Open AccountAccount Holder Login
myDirectionProTM
Sponsor/Advisor LoginSponsor/Advisor Info
877.742.1270
info@ndtco.com
1070 W Century Dr.
Louisville, CO 80027
Online Access
Open AccountAccount Holder Login
myDirectionProTM
Sponsor/Advisor LoginSponsor/Advisor Info