★ Rated 4.9 • 11,400+ Checkbook IRAs • Since 2013

TRUE CHECKBOOK CONTROL FOR YOUR RETIREMENT

CheckbookTrust.com gives you a fully IRS-compliant Checkbook IRA Trust + LLC. Write a check, wire in minutes, invest in real estate, crypto, private lending, startups — no custodian delays, no per-transaction fees.

Claim My Checkbook →How trust works

✔ IRS Approved Structure✔ Attorney-Drafted✔ 48h Setup

$890M+
Assets empowered

11,482
Trusts created

48h
Average setup

$0
Transaction fees

💳 Checkbook Balance $248,500
● Ready to invest instantly

Real Estate Deal Closed in 24h
Austin Duplex • 18.4% ROI • No custodian approval

See how

Checkbook IRA Trust•Solo 401(k) Checkbook•Real Estate IRA•Crypto IRA•Private Lending•LLC + Trust Docs•EIN + Bank Setup•IRS Compliant•Checkbook IRA Trust•Solo 401(k) Checkbook

01 — About CheckbookTrust.com

We invented frictionless freedom for self-directed retirement.

Checkbook Trust is not a custodian. We are architects of control. Since 2013 we have built attorney-drafted Delaware & Nevada trust structures that pair a specialized IRA Trust with a single-member LLC — giving you legal checkbook authority over your own retirement funds.

✓

No more $250 per transaction. Old custodians charge and delay 14-30 days. With checkbook control you sign, wire, close.

✓

One structure, unlimited assets. Rentals, syndications, tax liens, DeFi, gold vaults, private notes — all under one checkbook.

✓

Attorney + CPA backed. Every trust reviewed for IRS Prohibited Transaction rules, UBIT, and LLC operating agreement compliance.

Compare plans Talk to specialist

Our Trust Lab — Austin, TX
42 specialists • Attorneys, CPAs, former custodians

IRS-ready docs

Tax-advantaged growth

02 — Why checkbook wins

Everything a custodian can't do.

Stop asking permission to use your own money. One flat fee, lifetime control, bank account in your LLC's name.

⚡

Instant Investing

Close real estate in 24h, fund private loans same-day, buy dips in crypto without custodian forms. Your LLC checking account = your deal engine.

🛡️

IRS-Compliant Trust + LLC

Delaware Statutory Trust structure, EIN, operating agreement, trustee minutes. Built to survive audit, loved by CPAs.

💰

Zero Transaction Fees

Pay once. Never pay $75-$350 per asset again. Clients save $4,200/yr on average vs Equity-style custodians.

🏠

Real Estate Superpower

Earnest money, repairs, HOA, rent collection — all from your checkbook. Pay contractors with Zelle, collect rent via ACH.

₿

Crypto + Gold Ready

Hold BTC in cold wallet under LLC, store metals in private depository. No LLC-owned exchange limits.

📜

Estate & Asset Shield

Trust continuity, beneficiary succession, charging-order protection. Pass checkbook control to heirs tax-efficiently.

Live deal: $182k duplex bought with Checkbook IRA — rented in 9 days

Diversified: BTC, private credit & rentals in one retirement checkbook

03 — Setup in 48 hours

From old 401(k) to checkbook in 4 steps.

Free Strategy Call

We map rollover eligibility, UBIT risk, Roth vs Traditional. 20 min, no pitch.

Trust + LLC Drafted

Attorney creates your Checkbook Trust, LLC articles, EIN, operating agreement.

Fund by Rollover

We handle custodian transfer paperwork. Tax-free, penalty-free rollover in 5-12 days.

Write Your First Check

Open LLC bank account, get debit + wires. Invest same day you’re funded.

Check eligibility free★ 4.9/5 from 2,300+ verified reviews • A+ BBB

04 — What we build for you

One platform. Every alternative asset.

🏘️ Checkbook Real Estate IRA

Single-family, multifamily, syndications, tax deeds, flips, seller finance. Collect tax-sheltered rent.

Explore →

💸 Private Lending IRA

Lend at 10-14% secured by real estate. We draft notes, deeds, UCC filings for your LLC.

Explore →

🚀 Startup & Syndication Trust

Invest in Regulation D, SAFEs, funds as your LLC. K-1 handled, UBIT blockers included.

Explore →

05 — Transparent pricing

One flat fee. Lifetime checkbook.

No AUM %. No per-asset fees. All plans include trust + LLC + EIN + lifetime support.

Essential Trust

$999

For rollovers under $75k

✓ Checkbook IRA Trust
✓ Single-state LLC + EIN
✓ Operating agreement
✓ Rollover concierge
✓ 1-yr compliance alerts

Choose Essential

Wealth Checkbook

$1,499 ~~$1,899~~

For real estate + multi-asset

✓ Everything in Essential
✓ Delaware premium LLC
✓ Bank setup + wire kit
✓ Private lending docs pack
✓ Lifetime support + audit letter
✓ Roth conversion roadmap

Claim Wealth →

Dynasty + Solo 401(k)

$2,499

For self-employed $250k+

✓ Checkbook Trust + Solo 401(k)
✓ $69k/yr contributions
✓ $50k participant loan option
✓ Multi-member protection
✓ CPA tax strategy session

Talk to attorney

06 — Client wins

$890M moved at checkbook speed.

★★★★★

"Closed on a Memphis quadplex 3 days after funding. My old custodian took 6 weeks just to review docs. Checkbook Trust paid for itself 20x."

Marcus T. — Austin, TX
$312k Real Estate IRA

★★★★★

"I lend private money at 12% from my LLC checking. Notes, wires, payoffs — all same day. CPA said docs were the cleanest he'd seen."

Sarah L. — Tampa, FL
$185k Private Lending Trust

★★★★★

"Rolled two old 401(k)s, bought BTC cold storage + a syndication. One checkbook, zero custodian fees. Setup took 2 days."

David K. — Denver, CO
$540k Diversified Checkbook

07 — FAQ

Is Checkbook Trust legal with the IRS?

Yes — 100% when structured correctly. Here’s what the IRS actually says.

Is a Checkbook IRA legal?

Yes. IRS allows IRAs to own an LLC (Swanson v. Commissioner, 1996). Our trust + LLC structure follows that precedent with prohibited-transaction safeguards, proper EIN, and arms-length operating agreement.

How fast can I invest?

Trust docs in 24-48h. Rollovers fund in 5-12 days. Once funded, you invest instantly from your LLC checking — no approval queue.

What can I invest in?

Almost anything except collectibles, life insurance, and deals with disqualified persons (you, spouse, ascendants/descendants). Real estate, notes, crypto, startups, gold, tax liens all allowed.

Do I still need a custodian?

Yes, but passive. A licensed custodian holds the IRA Trust for IRS reporting ($99/yr included year 1). They don’t approve deals or charge per transaction — you control the LLC.

What about taxes and UBIT?

Rent, capital gains and interest grow tax-deferred or tax-free (Roth). Leveraged real estate or active business income may trigger UBIT — we include blockers and CPA guidance.

08 — Insights & News

Learn to wield your checkbook like a bank.

Fresh guides on IRS rules, deals, and structures — updated weekly by our trust attorneys.

Oct 27, 2026 • Checkbook Guide

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Limited — 17 setups left for this month

Get your Checkbook Trust + LLC in 48 hours.

Free eligibility check • Rollover help • Attorney-drafted docs • Bank-ready EIN. Join 11,482 Americans who stopped asking permission.

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