White Alto Logo.

Using Your Tax-Advantaged IRA

Trade 200+ digital assets like Bitcoin, Ethereum, and Solana.

Financial Wellness

New Study Links Financial Wellness with Happiness and Better Sleep

Trouble sleeping? It could be your finances. We look at new research linking sleep to financial wellness, plus share four tips to improve your finances and sleep better.

Learn more about investing in alternatives using tax-advantaged IRA funds.

No commissions, no paperwork.

Whether you’re a seasoned investor or new to the scene, investing with Alto is (almost too) easy.

Create your account

Get started with an Alto IRA or CryptoIRA to trade on Coinbase.

Select your IRA type

Every IRA has a tax advantage. Choose from traditional, Roth, or SEP.

Fund your account

Transfer funds from an existing retirement account, or cash from a bank account.

Start investing

Get access to our network of alternative investment partners or invest in crypto.

Put your "future funds" to work.

We like to think of your future funds as retirement dollars that don’t just sit there, but instead work for you. Reinvest the money you’d otherwise pay taxes on with an IRA that gives you more options for growth. Because it’s good to have options.

Alto CryptoIRA®

This isn’t your typical retirement account. Use your IRA to buy, sell, and trade Bitcoin, Ethereum, and more on Coinbase.

Alto IRA

Invest in a wide range of alternative assets—from shares in artwork and real estate to growth companies and startups.

Simple, transparent pricing. Always.

We’re not into “fee menus”—you know the kind, where the list goes on and on. See what we charge all on one page, no surprises.

Alto CryptoIRA

No monthly fees

Alto IRA

Starting at $10/mo

Word on the street.


The Alternative IRA® from Alto is an individual retirement account that gives investors the freedom to invest in alternative assets like startups, private companies, real estate, loans, and cryptocurrencies using the Alto platform. Find an alternative asset opportunity using Alto’s investment partners.

We’ve built an easy-to-use and enjoyable user experience. Our pricing is simple: we have no hidden fees. We’ve moved the entire process online and include the counterparty in the transaction process—saving you the burden of massive amounts of paperwork.

Yes! The AltoIRA puts the investor in the driver’s seat of their retirement account, allowing them to select the investments they want while maintaining the same tax-advantages as other IRA accounts.

There is no legal distinction between a traditional IRA and a self-directed IRA. While traditional, Roth, SEP, and other IRAs can all be “self-directed” (meaning you choose what to invest in), most brokerages and custodians don’t allow investments in unregistered securities, frequently referred to as “alternative assets.” With The Alternative IRA®, Alto investors have the control and flexibility to invest their IRA in assets uniquely suited to long-term investing—like startups, real estate, and more.