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Read full guide →● Fiduciary • Fee-only • SEC Registered
Grow your IRA smarter. Retire richer.
IRA Investment Advisers builds tax-efficient, globally diversified portfolios for Traditional, Roth, SEP & SIMPLE IRAs. Personal fiduciary guidance, Roth conversion mastery, and RMD planning — all for one transparent flat fee.
★★★★★ 4.9/5 from 1,240 reviews•$1.4B guided•No commissions ever
0Years focused only on IRAs
0Families advised
0% retention rate
+11.2%10-yr model CAGR*
$0Commissions
24hAdvisor response
ROTH CONVERSIONS ✦ RMD PLANNING ✦ SEP IRA FOR FREELANCERS ✦ TAX-LOSS HARVESTING ✦ BACKDOOR ROTH ✦ INHERITED IRA ✦ SELF-DIRECTED ALTERNATIVES ✦ ROTH CONVERSIONS ✦ RMD PLANNING ✦ SEP IRA FOR FREELANCERS ✦ TAX-LOSS HARVESTING ✦ BACKDOOR ROTH ✦ INHERITED IRA ✦
2004 → 2026
From a 2-person Chicago RIA to America's IRA boutique. Still independent, still fiduciary.
From a 2-person Chicago RIA to America's IRA boutique. Still independent, still fiduciary.
About — who we are
Not brokers. Not a call center. Your personal IRA fiduciary team.
Most advisors treat IRAs as an afterthought. We built our entire firm around them. Every portfolio, every Roth conversion map, every RMD calendar is engineered for one thing: more after-tax dollars in your retirement.
- ✓Independent RIA: we custody at Schwab & Fidelity, never hold your money directly.
- ✓Evidence-based investing: low-cost ETFs, factor tilts, global diversification, daily rebalancing.
- ✓Tax-first: average client saved $7,400/yr in lifetime tax drag via asset location.
- ✓Human + tech: dedicated CFP® + live dashboard, tax reports, and annual Roth roadmap.
Services — what we do
Everything your IRA needs. Nothing it doesn't.
One team manages investments, taxes, distributions and legacy — so you never have to juggle a broker, CPA and estate attorney alone.
01
IRA Portfolio Management
Custom ETF models for your age, risk and timeline. Aggressive growth in Roth, stable income in Traditional. Auto-rebalanced, tax-aware.
- →Risk score + glidepath to age 95
02
Roth Conversion Planning
Multi-year bracket-filling maps. We model taxes, IRMAA, ACA and legacy to convert at the lowest lifetime rate.
- →Average $112k lifetime tax saved
03
RMD & Withdrawal Strategy
Never miss an RMD or overpay. Coordinated sequence: taxable → Traditional → Roth, with QCDs and withholding automation.
- →IRS penalty-proof calendar
04
SEP / SIMPLE for Business
For freelancers & owners: max deductible contributions up to $69,000, solo-401k vs SEP analysis, payroll integration.
- →Setup in 7 days
05
Inherited IRA Guidance
Navigate the 10-year SECURE Act rule, stretch alternatives, disclaimers and trust coordination without costly mistakes.
- →Beneficiary review included
06
IRA Rollover Concierge
We handle 401(k) → IRA rollovers, direct transfers, backdoor Roth paperwork and custodian calls for you. Zero fees, zero hassle.
- →Average transfer 9 days
Compare — choose your IRA
Traditional vs Roth vs SEP. We make it obvious.
Not sure which IRA fits? This is the exact framework we use in discovery calls. And yes — you can hold multiple.
| Feature | Traditional IRA | Roth IRA | SEP IRA |
|---|---|---|---|
| Deductible now? | Often yes, if income qualifies | No — pay tax now | Yes, up to 25% of comp |
| Tax in retirement? | Taxed as income | Tax-free if qualified | Taxed as income |
| 2026 limit | $7,000 ($8,000 if 50+) | $7,000 ($8,000 if 50+) | $69,000 max |
| Best for | High earners now, lower later | Young savers, high future tax | Self-employed, side income |
| Our strategy | Bonds & REITs here | Highest growth here | Max deduction + Roth combo |
Our signature: Asset Location Alpha
We don't just diversify — we place assets where they're taxed least. High-yield bonds in Traditional, explosive growth stocks in Roth. Academic research shows this adds 0.3-0.6% per year. Over 30 years, that's a new car. Or a year of retirement.
Run my location analysisProcess — how it works
From scattered accounts to one clear plan in 21 days.
01
Free IRA X-Ray
We audit fees, overlap, taxes and risk. You get a 12-page report even if you never hire us.
02
Roth Roadmap
CPA-reviewed conversion & contribution plan mapped to brackets through age 75.
03
Transfer & Build
We move old 401(k)s and IRAs, build your custom ETF portfolio, automate rebalancing.
04
Grow & Guide
Quarterly reviews, annual tax planning, RMD autopilot and 24h advisor chat.
Results — proof, not promises
Real households. Real after-tax outcomes.
+11.2%Growth model 10-yr annualized*
$7,400Avg annual tax alpha per client
0.18%Avg portfolio expense ratio
9 daysMedian rollover completion
*Model performance, not guarantee. Net of fund fees, gross of advisory fee. Past performance does not predict future results. Full disclosures in meeting.
“They found $340k in Roth conversion savings my old broker never mentioned. I cried.”
— Linda K., 58, Roth convert
★★★★★ Retired teacher, Ohio
— Linda K., 58, Roth convert
★★★★★ Retired teacher, Ohio
“Rolled 3 old 401(k)s in a week. Dashboard is addictive, advisor actually answers.”
— Marcus D., 44, Tech
★★★★★ SEP + Roth combo
— Marcus D., 44, Tech
★★★★★ SEP + Roth combo
“Dad left an inherited IRA. They saved us from a $48k tax mistake in one call.”
— Priya S., 39
★★★★★ Inherited IRA client
— Priya S., 39
★★★★★ Inherited IRA client
Team — fiduciaries you can call
CFP®s who answer the phone.
Margaret Ellison, CFP®
Founder & Chief Adviser • Ex-Vanguard, 22 yrs. Roth specialist.
Founder & Chief Adviser • Ex-Vanguard, 22 yrs. Roth specialist.
James Carter, CFA
Chief Investment Officer • Builds our ETF models, factor research.
Chief Investment Officer • Builds our ETF models, factor research.
Sofia Ramirez, CPA
Tax Planning Lead • RMDs, QCDs, business IRAs, IRS liaison.
Tax Planning Lead • RMDs, QCDs, business IRAs, IRS liaison.
Pricing — radically transparent
One flat fee. Zero commissions. Cancel anytime.
Most popular
Signature
0.45%
$250k – $1M
CFP® + CPA • Roth roadmap • RMD autopilot • Quarterly calls
FAQ — straight answers
IRA questions? Answered like a fiduciary.
Are you really a fiduciary?
Yes. We are a registered investment adviser, fee-only, no commissions, no 12b-1 fees, no revenue sharing. Our ADV is available before you pay a dollar.
Can I roll my old 401(k) into an IRA with you?
Absolutely — 70% of clients start there. We initiate direct rollovers, handle custodian paperwork, avoid withholding traps, and typically complete in 7-12 days.
Should I do Roth conversions?
Often yes in low-income years, early retirement, or market dips. We model your lifetime brackets, IRMAA thresholds and heir tax rates to find the sweet spot.
What happens with RMDs at 73?
We automate them: calculation, aggregation across IRAs, withholding, QCDs to charity, and reinvestment of excess. You'll never face the 25% IRS penalty.
Do you work with inherited IRAs?
Yes. SECURE Act 10-year rule, spousal options, trust beneficiaries — we map distributions to minimize bunching into high brackets.
Insights — IRA news & guides
Fresh strategies from our research desk.
Roth rules, IRS updates, portfolio ideas — written by advisers, not marketers.
Contact — free IRA review
Get your free IRA X-Ray ($499 value).
No pressure, no sales. 30 minutes with a CFP®. Leave with a written action plan.
What you get:
- ✓Fee & overlap audit of current IRA/401k
- ✓Roth conversion opportunity estimate
- ✓RMD risk check + beneficiary review
Call us: +1 (312) 555-0148
Visit: 200 W Madison St, Chicago, IL
Hours: Mon–Fri 8am–6pm CT
Visit: 200 W Madison St, Chicago, IL
Hours: Mon–Fri 8am–6pm CT
