SDIRA custodians
Alto IRA
Alto is a technology-led self-directed IRA platform that lets individuals hold private market investments - private equity, venture capital, real estate, and digital assets - inside a retirement account. Accounts are opened online, and Alto handles the account structure, compliance, and the operational steps that usually make an SDIRA investment slow.
Custody sits with Alto Trust Co., a New Mexico state-chartered trust company with its principal office in Albuquerque, operating under the supervision of the New Mexico Regulation and Licensing Department's Financial Institutions Division. Alto Trust provides custody, recordkeeping, and regulatory reporting across the alternative assets held on the platform, and an affiliated registered broker-dealer supports parts of the business.
The platform serves three groups. Individual investors can fund a deal they source themselves. Issuers, sponsors, and fund managers can open an offering to IRA capital through the Alto Private Deal Room, where Alto collects documents, executes the subscription agreement on behalf of the IRA, and funds the investment typically within two business days of the transfer. Registered advisors can hold specialized private structures - SPVs, direct fund interests, client-sourced deals - that a traditional brokerage custodian will not custody, alongside their existing custodian.
As of December 31, 2025, Alto reported over $1.2 billion in retirement-funded investments supported, more than 3,000 issuers onboarded, and over 47,800 self-directed IRA investments processed. New IRAs are subject to a standard seven-day hold, and account and transaction fees are published separately on the pricing page.
Best for
Investors who want to put IRA money into a specific syndication, fund, or private deal they already sourced, and sponsors who want to accept retirement capital in a raise without building custodial plumbing themselves.
What they do
- Self-directed IRA accounts for alternative assets
- Custody, recordkeeping, and regulatory reporting via Alto Trust Co.
- Alto Private Deal Room for issuers and sponsors
- IRA capital raising support for funds and startups
- Subscription document execution and investment funding
- Advisor platform for client IRA allocations to private markets
- Custody of private equity, venture, real estate, and digital assets
Details
| Attribute | Value |
|---|---|
| Other offices | Albuquerque, NM |
| Licenses | Alto Trust Co., New Mexico state-chartered trust company |
What stands out
- Reported more than $1.2 billion in retirement-funded investments supported and over 47,800 self-directed IRA investments processed as of December 31, 2025.
- More than 3,000 private market issuers have been onboarded to the platform.
- Custody is held by Alto Trust Co., a New Mexico state-chartered trust company supervised by the state's Financial Institutions Division.
- Once an investment is approved, Alto executes the subscription agreement and funds it typically within two business days of the transfer.
- New IRAs are subject to a standard seven-day hold per Treasury guidance.