Investing in alternatives with an Alto IRA aligns long-term investment horizons with saving for retirement, an overlap in investment strategy we refer to as duration matching. Since retirement funds are tax-advantaged,1 using them can be a way to keep as much of your investment earnings as possible.
1 Traditional IRA funds are generally tax-deferred, Roth IRA funds are generally tax-free subject to qualified withdrawals. IRS rules and regulations apply.
Example is for illustration purposes only and does not represent a specific past, current or future investment.
*Assumes an income tax rate of 12% at the time of withdrawal as income tax rates generally decrease upon retirement.
**Assumes a long term capital gains rate of 20%
Actual tax rates are subject to each tax payer’s personal situation and circumstances.
Complete this intake form (estimated 1 minute)
You’ll be automatically directed to create your Alto account (estimated 3 minutes)
Fund your IRA (estimated 5 minutes)
Receive and approve an invite to participate in Portfolia's investment offerings (estimated 2 minutes)
Portfolia's team approves your investment on Alto
Alto executes subscription documents on behalf of your IRA and funds your investment within one business day*
*IRA must be funded to cover the investment. Further, based on Federal Treasury regulations, there is a seven day waiting period for a newly established IRA prior to investment.
Get startedOur belief in simplifying access to alternative investments with retirement funds extends to our pricing. Alto IRA accounts are charged a simple quarterly Account Fee based on Total Invested Capital with 50% off of Account Fees for the first two years for Portfolia investors.
$0.00
$18.75 per quarter for your first two years*
$37.50 thereafter
$50 per quarter for your first two years*
$100 thereafter
*Initial Quarterly Payment. Customer shall timely pay the first quarterly subscription fee for the Service (the “Initial Quarterly Payment”). The promotional discount described below does not apply to the Initial Quarterly Payment.Discount Period. Provided the Initial Quarterly Payment is received in full and the account remains in good standing, beginning with the first invoice issued after the Initial Quarterly Payment, Alto will apply a 50% discount to the applicable subscription fees for 24 months (the “Discount Period”).Scope & Exclusions. The discount applies only to recurring subscription fees and excludes taxes, other investment or service fees, usage-based or overage fees, and any one-time implementation or professional services. The discount is not stackable with other offers, credits, or promotions and has no cash value.
**Fees charged by investment platforms and third-party or affiliated issuers may apply.
Alto's holistic alternatives investment platform empowers individual investors to diversify their portfolios by investing in alts while supporting issuers with a range of fundraising methods to suit their unique needs.
Offering traditional, Roth, and SEP IRAs, Alto is bringing alternative investments to the mainstream, and the trillions in retirement savings in the United States to firms raising capital.
*All data as of September 30, 2024
Eric Satz is a serial entrepreneur, investor, and financial innovator. As the Founder and CEO of Alto, he is redefining how individuals invest their retirement savings, opening doors to private market assets.
Beyond Alto, Eric is the host of The Altogether Show, where he interviews unconventional guests about the intersections of life, success, and purpose. He also served as a Director on the Board of the Tennessee Valley Authority, appointed by President Obama, where he helped oversee one of the nation’s largest public utilities.
Scott is a specialist in the global financial software services industry, with years of software design and implementation experience. Scott spent a good deal of his career in the public markets and then moved to Carta, where he was first exposed to private markets and how differently they operate.
He then had the opportunity to work for Securitize, where he learned about blockchain and the digital asset security industry. Scott is also a board member for Cheqly, a full-stack neobank for startups.
As one of Alto’s earliest team members, Andrea Kampine has been instrumental in shaping the company’s growth and culture. Now serving as Chief Operating Officer, she brings a strategic, customer-centric approach to scaling Alto’s operations and driving long-term success.
Andrea’s deep understanding of Alto’s business stems from her two years as Chief People Officer, where she worked to design a culture of excellence embodied by every team member at Alto, creating a company that inspires personal growth, rewards talent and effort alike, and where our team is proud to work.
Alicia McIlhinney brings more than 20 years of marketing leadership across financial services and fintech, spanning investment management, technology, operations, and insurance. As Senior Vice President, Head of Marketing at Alto, she helps expand access to alternative investments through innovative technology and clear, investor-focused storytelling.
Before joining Alto, Alicia led marketing at Archer and held leadership roles at FS Investments, Lincoln Financial, and SEI. She is also an advocate for diversity, equity, and inclusion in financial services and actively mentors women across the industry.
Alto Solutions is a self-directed IRA administrator builds and operates easy-to-use technology that enables individual investors to access alternatives. Alto’s self-directed IRA products, the Alto IRA and Alto CryptoIRA® offer the same tax advantages as more conventional IRAs, while providing access to investment opportunities not offered by most custodians, without complicated or hidden fees.
