Accuplan Review

Accuplan Review: Is it the Right Custodian for You?

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If you're looking for a way to take control of your retirement savings and diversify your investment portfolio, a self-directed individual retirement account (IRA) might be the solution you need. With this type of asset, you can invest in a wide range of alternative assets, such as real estate, private equity, cryptocurrencies, and precious metals, and potentially earn higher returns than traditional IRA investments. However, not all self-directed IRA custodians are created equal, and choosing the wrong one can be costly in terms of time, money, and peace of mind.

In this article, we will review Accuplan, a self-directed IRA custodian that has been in the business for over 15 years, and see if it's the right fit for your goals. We'll look at their features, fees, pros and cons, reputation, and customer reviews to help you make an informed decision. Whether you're a seasoned investor or just starting out, this article will provide you with valuable insights into their services and help you determine if it's the right company for you.

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Accuplan Review

Who is Accuplan?

It is a company that provides self-directed IRA custodial services for individuals and small businesses. The company was founded in 2005 by R. Brad Elton, a certified public accountant (CPA) with over 20 years of experience in the financial industry. 

They offer several types of self-directed IRAs, including traditional, Roth, SEP, SIMPLE, and solo 401(k)s. These accounts allow you to invest in a wide range of assets beyond the typical stocks, bonds, and mutual funds offered by traditional IRA custodians. With a self-directed IRA, you can invest in real estate, precious metals, private equity, cryptocurrencies, and more, depending on your risk tolerance and investment expertise. We will discuss this more later on.

They also offer checkbook control, which means that you can open a checking account under your self-directed IRA and have direct control over your funds. This feature can save you time and fees by allowing you to make investment decisions quickly and easily without having to go through your custodian every time.

Accuplan Review

Their Fees and What They Offer

Accuplan's fee structure is straightforward and transparent, which is a refreshing change from some of its competitors. The company charges a one-time setup fee of $50 for new accounts and an annual account maintenance fee of $275 for all self-directed IRA types. There are no transaction fees, asset fees, or percentage-based fees, which means that you can invest in as many assets as you want without incurring extra costs.

The company also offers several value-added services for its clients, including:

  • Online account management. You can access your account information, transaction history, and documents 24/7 through their secure online portal.
  • Investment education. They also provide educational resources, webinars, and workshops to help you stay informed about the latest trends and opportunities.
  • IRA-owned LLC formation. They can help you set up a limited liability company (LLC) owned by your IRA to give you more control and flexibility over your assets.

Accuplan offers a range of services to help you manage your self-directed retirement accounts and invest in alternative assets. Here are some of the key services and products that they provide:


  • Account Setup. Accuplan makes it easy to set up a self-directed IRA account. You can open an account online or by mail, and they will guide you through the process step-by-step. You can choose from a traditional IRA, a Roth IRA, or a SEP IRA, depending on your needs and eligibility.
  • Asset Custody. As a self-directed IRA custodian, their main role is to hold and safeguard your IRA assets and ensure that they comply with IRS regulations. They can hold a variety of assets on your behalf, including real estate, private equity, notes, mortgages, tax liens, precious metals, and more.
  • Checkbook Control. One of its unique features is its checkbook control option, which allows you to have direct control over your IRA funds and make investments quickly and easily. With checkbook control, you can write checks, wire funds, or use a debit card to invest in assets without having to go through Accuplan for each transaction.
  • Investment Support. They offer investment support to help you find and evaluate investment opportunities that fit your goals and risk tolerance. You can also consult with their specialists. Its team of experts can help you understand the rules and regulations surrounding self-directed IRAs and offer guidance on strategies and opportunities.


  • Real Estate. They allow clients to invest in a wide range of real estate assets, including rental properties, commercial properties, land, and more. You can purchase properties directly or invest in real estate partnerships or private equity funds.
  • Private Equity. Accuplan offers access to private equity investments, such as venture capital, private debt, and private equity funds. These investments are typically not available to the public and can provide high returns for investors willing to take on more risk.
  • Cryptocurrencies. You can also hold cryptocurrencies such as Bitcoin, Ethereum, and Litecoin in your self-directed IRA accounts. You can benefit from the potential growth of the cryptocurrency market without having to worry about security or regulatory issues.
  • Precious Metals. You can also invest in precious physical metals such as gold, silver, platinum, and palladium. These assets can provide a hedge against inflation and market volatility and can also provide diversification to a traditional stock and bond portfolio.
  • Alternative Assets. Accuplan also allows you to put their funds in a variety of other alternative assets, such as private notes, mortgages, tax liens, and more.

Overall, Accuplan's services are designed to give clients the flexibility and control they need to explore alternative assets with confidence. Whether you're looking to invest in real estate, private equity, or other non-traditional assets, they can help you navigate the complex world of self-directed IRAs and achieve your goals.

Their Pros and Cons

Now that we have gone over their features and fees, let's take a closer look at their pros and cons. This is important because you need to weigh in on these factors to make an informed decision.


Accuplan offers several key advantages for those looking to invest in alternative assets through a self-directed IRA:

  • Wide Range of Investment Options. They provide access to a variety of alternative investments, including private equity, real estate, precious metals, and more. This allows clients to diversify their retirement portfolio and potentially earn higher returns than traditional investments.
  • Transparent Fees. Their fee structure is simple and transparent, with no hidden costs or percentage-based fees. This makes it easy for clients to understand and plan for the costs associated with their self-directed IRA.
  • Online Platform. Their website is user-friendly and provides clients with real-time investment tracking and reporting. Clients can also access details, due diligence materials, and documents through the platform, making the process more efficient and convenient.
  • Personalized Account Management. They provide each client with a dedicated account manager who can assist with investment decisions, funding, and account management. This personalized service helps clients navigate the complexities of self-directed IRAs and make informed decisions.
  • Quick Processing Time. Their investment processing time is generally faster than some other self-directed IRA custodians. This means that clients can quickly invest in opportunities as they arise, potentially earning higher returns and maximizing their investment potential.

Overall, Accuplan offers a range of advantages for those looking to invest in alternative assets through a self-directed IRA. From a wide range of options to a transparent fee structure and personalized account management, they provide a comprehensive solution for clients seeking to take control of their retirement savings.


  • High Fees. Their fees can be higher than some other self-directed IRA custodians. While their fee structure is transparent and easy to understand, clients should carefully evaluate the costs of transacting with the company before opening an account.
  • Limited Investment Education. They do not offer much in the way of investment education or resources for clients. While they do provide access to a range of opportunities, they do not seem to be that accurate. Clients may need to seek outside advice or education to make informed decisions.
  • Limited Customer Support. Some have reported issues with customer support. While the company does provide dedicated account managers for each client, wait times for support can be long, and some clients have reported difficulty getting issues resolved in a timely manner.
  • Limited Online Reviews. Compared to some other self-directed IRA custodians, it has relatively few online reviews. While this is not necessarily a negative reflection on the company, some may prefer to see more feedback and reviews from current and past clients before making a decision.
  • Not Accredited. It is noteworthy that the company has made the decision not to cooperate with the Better Business Bureau (BBB) in terms of reviews and findings. As a result, any relevant complaints or information related to the company cannot be monitored by the BBB. Refusing to participate may raise questions about the company's transparency and accountability. Customers who have complaints are advised to seek legal counsel, as they may not provide assistance if a BBB complaint is filed.
Accuplan Review

Their Reputation

One important aspect to consider when evaluating a self-directed IRA custodian is the level of customer service they offer. In addition, it prides itself on providing exceptional customer service and support to its clients. 

Here are some of the ways they support their clients:

  • Personalized Support. One of their key features is that they assign each client a dedicated account manager who can answer questions, provide guidance, and help with account management tasks. This ensures that clients have a direct point of contact who understands their unique needs and can provide personalized support.
  • Transaction Support. They also provide transaction support to help clients navigate the complex process of investing in alternative assets. This includes due diligence, analysis, and transaction coordination, as well as assistance with legal and regulatory compliance.
  • Transparent Communication. Accuplan believes in transparent communication and keeps clients informed about their accounts through regular updates, statements, and notifications. Clients can access their accounts online 24/7 to track their investments and monitor their progress.
  • Flexibility. They are committed to providing flexibility and choice to its clients. Whether you're an experienced investor or new to self-directed IRAs, Accuplan can help you navigate the process and find opportunities that align with your goals.

Overall, its commitment to customer service and support sets it apart from other self-directed IRA custodians. With a dedicated account manager, educational resources, transaction support, and transparent communication, they aim to provide a high level of service to its clients and help them achieve their goals with confidence.

According to customer reviews on Trustpilot and Google, the company has a mixed reputation. Some praise the company's professionalism, responsiveness, and expertise, while others complain about slow processing times, high fees, and poor customer service. Here are some examples of positive and negative reviews:

Accuplan Review

Is It the Right Self-directed IRA Custodian For You?

After reviewing Accuplan's features, fees, pros and cons, and customer reviews, the question remains whether you should work with the company.

When it comes to managing your retirement savings, making the right decision can have a significant impact on your financial future. That's why selecting a self-directed IRA custodian that aligns with your objectives, risk tolerance, and preferences is essential. Accuplan is one such option that has been gaining popularity in recent years due to its unique approach to self-directed retirement accounts.

If you're looking for a custodian that offers a broad range of options, including alternative assets, then Accuplan may be a great fit for you. With checkbook control, you can make decisions quickly and efficiently, with transparent fees that are easy to understand. Plus, their personalized account management can help you navigate the complexities of self-directed IRAs and make informed decisions that align with your objectives.

However, if you prioritize lower fees, an online trading platform, or high-quality customer support, other self-directed IRA custodians, such as Augusta Precious Metals, Goldco, and American Hartford Gold, may be better suited to your needs. Each custodian has its own unique strengths and weaknesses, so it's crucial to evaluate each option based on your individual needs and preferences.

The decision to choose a self-directed IRA custodian should not be taken lightly. It's essential to conduct thorough research, compare your options, and seek advice from a financial advisor before making a final decision. This is important since they can help you take control of your retirement savings, invest in the assets you believe in, and build a diversified portfolio that aligns with your objectives. But with the wrong one, you could end up losing valuable opportunities, incurring hidden fees, and regretting your decision for years to come.

Although we do think that Accuplan is a somewhat decent company, we believe that there are way better companies out there to make your investment with.

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So, take the time to do your due diligence, choose wisely, and enjoy the peace of mind that comes with knowing your retirement savings are in good hands. With the right self-directed IRA custodian, you can take control of your financial future and make the most of your retirement years.