Alto Trust Co.

A New Mexico Trust Company

Providing custody, recordkeeping and regulatory reporting services for a broad range of alternative investments

State-chartered custodian for self-directed IRAs

Alto Trust Co. (“Alto Trust”) is a New Mexico state-chartered trust company that serves as the custodian for self-directed individual retirement accounts (SDIRAs).

As a regulated financial institution, Alto Trust provides custody, recordkeeping and regulatory reporting services for a broad range of alternative investments including private equity, venture capital, 
real estate and digital assets.

Governance and oversight

Operating under the supervision of the New Mexico Regulation and Licensing Department’s Financial Institutions Division, Alto Trust adheres to the highest standards of governance, regulatory compliance and operational integrity. Alto Trust’s principal office is located in Albuquerque, New Mexico and serves as the center of this critical work.

From this office, Alto Trust’s leadership and compliance teams manage:

Custodial account oversight and operations

Financial reporting and audit functions

Regulatory compliance

Governance and board activities

Commitment to excellence

Alto Trust is dedicated to upholding the high level of safety, security and transparency investors expect. Alto Trust provides the institutional foundation that powers Alto’s self-directed IRA platform, ensuring every investor’s assets are held with care, oversight and accountability.

Contact Us

Mailbox

Alto Trust Co
6565 Americas Pkwy, Suite 234
Albuquerque, New Mexico 87109

Email

Our friendly client support team is
here to help
altotrust@altoira.com‍

Questions?

Well, we've got answers. Can’t find the answer you’re looking for? Please visit our FAQ page
Visit FAQ page
Who is Alto Trust?
Alto Trust Co. (“Alto Trust”) serves as the custodian for self-directed individual retirement accounts (“SDIRAs”), which account holders open to invest in a variety of alternative assets such as private placements, real estate, private funds, and cryptocurrency. Alto Trust is a chartered New Mexico non-depository trust company.
What does an IRA custodian do?
The core duties of an IRA custodian include safeguarding retirement assets, executing investment transactions, handling regulatory compliance, and reporting account activities 
to the IRS.
What does an IRA administrator do?
An administrator is an entity that performs certain administrative duties on behalf of a custodian. For example, Alto Trust, as custodian, has engaged its parent company, Alto Solutions, Inc., to provide certain administrative services in connection with 
Alto SDIRAs.
Is Alto Trust regulated?
Trust companies are generally subject to state regulation. 
As a New Mexico chartered trust company, Alto Trust is regulated by the New Mexico Regulation and Licensing Department’s Financial Institutions Division.
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©Alto Solutions, Inc. 2025 All Rights Reserved.

Alto Solutions, Inc. d/b/a AltoIRA (“Alto”) is an administrator of self-directed individual retirement accounts and is not a registered or licensed broker, dealer, broker-dealer, funding portal, cryptocurrency exchange, investment advisor or investment manager. Neither Alto nor any of its affiliates is an FDIC-insured bank. Banking services provided to Alto are by Needham Bank (Bank) Member FDIC. The FDIC insures each AltoIRA account holder up to $250,000 based on deposit insurance rules in the event of bank failure. Certain conditions must be met for pass-through insurance coverage to apply. Securities and Crypto assets are not insured by the FDIC, may lose value, are not deposits or other obligations of the Bank, and are not guaranteed by the Bank. Alto does not control or monitor the operation or conduct of the Bank or any third-party investment platforms, funds, cryptocurrency exchanges or issuers, or their offerings. Whenever making an investment decision, investors should consult with their tax attorney or financial professional. Investors are responsible for conducting their own due diligence regarding investments, for using their Alto accounts in compliance with law, and for all tax and other risks and obligations arising from account transactions.

Alto Securities, LLC (“Alto Securities”) is a broker-dealer and may act as the placement agent of funds and other investments offered by issuers with which it has a relationship. Neither Alto nor Alto Securities nor any of their affiliates provide any investment advice or make any investment recommendations to any persons, ever, and no communication herein or otherwise shall be construed as investment advice or a recommendation about any specific security offering, investment, asset, or fund. Information provided on this website by Alto and its affiliates does not constitute an offer, nor the solicitation of an offer to buy or subscribe to, any securities to any person in any jurisdiction. Any communication made by Alto or any of its affiliates with regard to opening or using an IRA account shall not be construed as a recommendation, call to action, or investment strategy to establish a particular account type (e.g. traditional, Roth, or SEP). Alto provides investors self-directed accounts and neither recommends an account type to investors for a fee as part of its services or products, nor advises customers in relation to the tax consequences of accounts, including but not limited to penalties associated with withdrawals, application of required minimum distributions, holdings of employer stock, and special features of an existing account.

Investing in private securities, cryptocurrencies, securitized assets, and other alternative investments (“Private Securities”) is intended for highly sophisticated investors and involves substantial risks. These risks include but are not limited to a lack of operating history, leverage, liquidity of the portfolio, segregated portfolio fund risk, diversification and concentration risk, and long-term investment risk. Furthermore, there is a risk that investors may receive little or no return on their investment or may lose part or all of their investment. For example, the success of a fund’s investment objective depends, in part, on the effective deployment of its assets by the managers of the fund. However, there can be no assurance that the managers will successfully achieve the fund’s investment objective or deliver positive returns.

Investing in Private Securities carries a high risk and is considered speculative. There is no guarantee that an issuer or its investment strategies will succeed under all market conditions. The success or failure of a fund, for example, and its value may be affected by numerous factors, including investment performance, realized and projected market returns, fluctuations in market interest rates, and other pertinent factors.

It is important to note with regard to any reference to high-net-worth individuals and institutions, that these investors often have substantial financial resources and longer investment horizons, which may differ from those of individual investors. Potential investors should carefully consider their own financial circumstances, risk tolerance, and investment objectives before participating in these opportunities. Past performance is not indicative of future results, and all investments carry inherent risks. Diversification does not eliminate risk, and there is no guarantee of returns on investments. It is advisable to consult with financial professionals and conduct due diligence before making any investment decisions.

Alto Securities, LLC is a member of FINRA/SIPC

‍Where Alto Securities, LLC serves as the placement agent for the offering of a fund or other issuer, it will be compensated based on the investments made in the fund. Check the background of Alto Securities, LLC on FINRA BrokerCheck.

Alto®, The Alternative IRA®, the Alto logo and Alto CryptoIRA® are trademarks of AltoIRA.

All other trademarks are the properties of their respective owners.