IRA Financial (irafinancial.com) has a 4.8 out of 5 rating on OK.one, based on 102 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 96% rating it 4 stars or higher; The business has replied to 100% of negative reviews. Last updated 2026-08-10.
What people say
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Robert Washington · 1 review · Experienced 2026-07-14 ·
★★★★★
Very helpful customer support from Macey K
Macey K. helped me tremendously. This was my first property purchase for my SDIRA. She helped me with the funds transfer process as well as the title and signing protocols. It made for a very clean and easy transaction. Thanks again Macey!
Reply from IRA Financial2026-07-17
Thank you for sharing your feedback! We’re especially glad to hear that Macey was able to provide clear guidance and support throughout your experience. Helping clients feel informed and confident is a big part of what we do. We appreciate you being part of the IRA Financial community.
K
Katie · 2 reviews · Experienced 2026-07-08 ·
★★★★★
I had a wonderful experience working…
I had a wonderful experience working with
Morgan ,A at IRA Financial while setting up my self-directed IRA. She was extremely knowledgeable, professional, and very easy to work with throughout the entire process.
Morgan patiently answered all of my questions and guided me every step of the way.
Her kindness, politeness, and expertise made what could have been a complicated process simple and stress-free. I truly appreciated her dedication and excellent customer service. I highly recommend Morgan and IRA Financial to anyone interested in opening a self-directed IRA.
Thanks For your help.
Reply from IRA Financial2026-07-17
Thank you for the kind words! We’re thrilled to hear that Morgan went above and beyond to assist you. Delivering that level of service is exactly what we strive for, and your feedback is truly appreciated. Thanks again for choosing IRA Financial.
M
MDF · 2 reviews · Experienced 2026-07-10 ·
★★★★★
Professional Friendly Service
Macey K helped me understand how to purchase stock through the online link to IRA Financial's brokerage partner. Macey is professional and pleasant, a wonderful agent to work with.
Thank you Macey.
Reply from IRA Financial2026-07-17
Thank you for sharing your feedback! We’re especially glad to hear that Macey was able to provide clear guidance and support throughout your experience. Helping clients feel informed and confident is a big part of what we do. We appreciate you being part of the IRA Financial community.
T
Terri · 1 review · Experienced 2026-07-02 ·
★★★★★
Beneficiary Issue
I had an urgent issue regarding the beneficiaries of my solo 401 (k) plan and dealt with Rhiannon P. She was excellent, calmed me down, understood what I needed, and then shared the solution with me. Very grateful for her patience and knowledge.
Reply from IRA Financial2026-07-17
Thank you for your kind words! We’re so glad to hear you had a positive experience, and we’ll be sure to pass your feedback along to Rhiannon. Providing knowledgeable and responsive support is something we take seriously, and it’s great to know that came through. We truly appreciate you choosing IRA Financial.
M
Michael · 7 reviews · Experienced 2026-06-25 ·
★★★★★
Brenda Benning was Terrific to Work With at IRA Financial
Brenda Benning, Investment Specialist at IRA Financial, is outstanding to work with and has made my interactions with IRA Financial a pleasure.
I recently needed to move money from my Vanguard IRA account to IRA Financial and then into an investment I wanted to make. The timing was such that the investment had to be made by a certain date.
Brenda was exceptionally helpful at all stages of the process. Without her careful attention to my needs, I would not have been able to make the investment deadline.
Brenda and the others at IRA Financial are super to work with. I highly recommend IRA Financial to others because of the excellent customer service I have received from the IRA Financial team.
Reply from IRA Financial2026-07-17
Thank you for the kind words! We’re thrilled to hear that Brenda went above and beyond to assist you. Delivering that level of service is exactly what we strive for, and your feedback is truly appreciated. Thanks again for choosing IRA Financial.
V
Victor Rivera · 3 reviews · Experienced 2026-07-03 ·
★★★★★
I had the pleasure of working with Maria Esposito
I had the pleasure of working with Maria Esposito at IRA Financial, and I can't say enough about the exceptional customer service she provided. From start to finish, Maria was patient, professional, and incredibly knowledgeable. She took the time to explain every step of what could have been a very complicated process, making sure I understood everything along the way.
Thanks to her guidance, patience, and willingness to answer all of my questions, the entire process became much easier than I expected. She made what initially seemed complicated feel simple and manageable. I truly felt supported throughout the entire experience, and her dedication gave me confidence every step of the way.
I was very fortunate to have Maria helping me through this process, and I sincerely appreciate everything she did. Her professionalism, patience, and commitment to outstanding customer service made all the difference. If you're working with IRA Financial, I highly recommend asking for Maria Esposito. She is a tremendous asset to the company, and I couldn't have asked for a better person to guide me through the process.
Reply from IRA Financial2026-07-17
We really appreciate you taking the time to share your experience. It’s great to hear that everything went smoothly and that Maria was able to assist you along the way. Our goal is to make the process as seamless as possible, and your feedback lets us know we’re on the right track. Thank you for being a valued client.
I greatly appreciate Eric Vant Hof. It is so refreshing to speak with a professional, helpful, knowledgeable human who answer his phone. Amazing!
Reply from IRA Financial2026-07-17
Thank you for sharing your feedback! We’re especially glad to hear that Eric was able to provide clear guidance and support throughout your experience. Helping clients feel informed and confident is a big part of what we do. We appreciate you being part of the IRA Financial community.
c
customer · 2 reviews · Experienced 2026-06-26 ·
★★★★★
Avery - he's terrific!
Avery is a pleasure to work with. He is the living example of a "human" that takes personal AND professional responsibility in providing the customer care that so much of us deeply appreciate and desperately need. His commitment to excellence and decency does up on every one of our communications. HR good job with this pick👍👍👍
Reply from IRA Financial2026-06-29
We really appreciate you taking the time to share your experience. It’s great to hear that everything went smoothly and that Avery was able to assist you along the way. Our goal is to make the process as seamless as possible, and your feedback lets us know we’re on the right track. Thank you for being a valued client.
Macey was incredibly helpful and very patient while explaining the concerns I had regarding my account. She stayed on the phone throughout while I was on the website troubleshooting and was super friendly the entire time. Incredibly knowledgeable with Excellent customer service! IRA FINANCIAL is lucky to have her!
Reply from IRA Financial2026-06-29
We really appreciate you taking the time to share your experience. It’s great to hear that everything went smoothly and that Macey was able to assist you along the way. Our goal is to make the process as seamless as possible, and your feedback lets us know we’re on the right track. Thank you for being a valued client.
Rhiannon P and Morgan A made the transition very smooth. They were very professional and knowledgeable. Thank you!
Reply from IRA Financial2026-06-29
Thank you for your kind words! We’re so glad to hear you had a positive experience, and we’ll be sure to pass your feedback along to our team. Providing knowledgeable and responsive support is something we take seriously, and it’s great to know that came through. We truly appreciate you choosing IRA Financial.
Fraudulent billing and aggressive collection tactics
I contracted with IRA Financial to draft my business 401K retirement plan. They initially did a good job and were available for communication. After that, they charged me a $199 fee/year to oversee the plan, add any new requirements and file the 5500 form. They never filed they 5500 form. Communication was broken, emails I had no longer worked. Then, they abruptly and without notice doubled their fee. They have provided NOTHING in terms of addendum to the plan and never filed a 5500 form. I asked them repeatedly to stop billing me yet they claim that without using them as the administrator , the IRS will consider my plan invalid and that they will not stop billing me. I verified with IRS that this is not true and I can be my own plan administrator (I have been filing the forms all these years). They are now employing aggressive collections agencies to harass me.
Reply from IRA Financial2026-06-29
Thank you for taking the time to share your feedback. We're sorry to hear about your experience and understand your frustration regarding communication, billing, and your plan administration.
We've escalated your comment internally. Please contact our Director of Client Relations at [email protected] so we can discuss your account directly and work toward a resolution.
I
Irina H · 1 review · Experienced 2026-06-25 ·
★★★★★
The IRA Financial customer service team…
The IRA Financial customer service team is very knowledgeable in all areas of the self-directed retirement space. They are always gracious and provide impeccable support with whatever question you may reach out to them with. A pleasure to work with.
Reply from IRA Financial2026-06-29
Thank you for sharing your feedback! We’re especially glad to hear that our team was able to provide clear guidance and support throughout your experience. Helping clients feel informed and confident is a big part of what we do. We appreciate you being part of the IRA Financial community.
A
Abby G · 1 review · Experienced 2026-06-25 ·
★★★★★
Customer service
Macey K answered all of my questions thoroughly and professionally.
Reply from IRA Financial2026-06-29
We appreciate you taking the time to share your experience. It’s great to hear everything went well, and we’re grateful to have you as a client. Thanks again for your support.
S
Sherry · 1 review · Experienced 2026-06-22 ·
★★★★★
IRA Financial has been excellent in…
IRA Financial has been excellent in helping with our startup funding, the entity formation process was smooth and efficient. If you have retirement savings from traditional custodians, the process would be more straightforward and less challenging than the custodian from newer FinTech companies. I’d still recommend IRA Financial. Thank you, Nelza, for your hard work!!
Reply from IRA Financial2026-06-29
Thank you for the great review! We’re glad to hear that your experience was efficient and that Nelza helped move things along smoothly. We know how important timing can be, and we’re always working to provide a streamlined process. We appreciate your trust in IRA Financial.
Every time I call IRA Financial the staff is consistently friendly and helpful. Speaking with Morgan A today
proved it once again. Thank you!!!
Reply from IRA Financial2026-06-29
Thank you for your kind words! We’re so glad to hear you had a positive experience, and we’ll be sure to pass your feedback along to Morgan. Providing knowledgeable and responsive support is something we take seriously, and it’s great to know that came through. We truly appreciate you choosing IRA Financial.
R
Rafael Vega · 1 review · Experienced 2026-06-22 ·
★★★★★
Knowledge and cordial.
Morgan A, was very helpful. with Knowledge and is cordial and patient.
Reply from IRA Financial2026-06-29
Thank you for your kind words! We’re happy to hear you had a positive experience and appreciate you being part of the IRA Financial community.
L
Letrone Polk · 2 reviews · Experienced 2026-06-19 ·
★★★★★
Maria the best
Going through this process you will need someone who you feel like is a teammate & a accountability partner. Maria Esposito is 1 of the ones. She is very knowledgeable follow up with you & want to see you & your business plans win. If you are blessed enough to work with her trust & believe your business structure, ideas & plans are in good hands.
Reply from IRA Financial2026-06-29
We really appreciate you taking the time to share your experience. It’s great to hear that everything went smoothly and that Maria was able to assist you along the way. Our goal is to make the process as seamless as possible, and your feedback lets us know we’re on the right track. Thank you for being a valued client.
G
G Allison · 3 reviews · Experienced 2026-06-15 ·
★★★★★
Maria Esposito is truly incredible…
Maria Esposito has been a truly incredible help at IRA Financial. She was knowledgeable and responded quickly whenever we had any questions. She was able to guide us in our experience with the financial intricacies of complex issues at IRA Financial. The firm did a good job of helping us, and she was instrumental in our having things go so well.
Reply from IRA Financial2026-06-29
Thank you for sharing your feedback! We’re especially glad to hear that Maria was able to provide clear guidance and support throughout your experience. Helping clients feel informed and confident is a big part of what we do. We appreciate you being part of the IRA Financial community.
