Private investments, funded with retirement capital
Whether you're guiding clients, raising capital or investing retirement dollars, Alto makes it possible.
What if retirement capital could flow freely into private investments?
There are a few common scenarios where this comes into play:
- An investor has conviction in a specific opportunity and wants to deploy retirement capital into it
- An issuer, founder, fund manager or company wants to open their offering to investors who want to use qualified assets
- An advisor is doing either of these on behalf of a client and needs a way to execute it without taking on a separate custodial or compliance relationship
Alto bridges the gap, handling the account structure, compliance, and operational complexity so that everyone else can focus on the deal.
Alto connects retirement capital with private market opportunities across several paths:
Alto for advisors
When a client brings you a private market opportunity, or you want to allocate funds across your book through client IRAs, Alto has a dedicated path built around how your practice actually works. Custody, compliance and workflow are handled end to end, so you're not managing a separate relationship on top of what you already do for clients.
Raise capital
Through Alto’s private deal room, issuers list a private offering and invite their investors to participate using self-directed IRAs. Alto supports the retirement account setup and investment process, allowing IRA capital to be included alongside other funding sources.
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Bring a deal
With Alto’s private deal room, investors identify a private investment they want to participate in and invite the issuer to work with Alto so the investment can be completed using retirement funds. Alto provides the structure needed to bring that investment into a self-directed IRA.
What to know about private market access
Learn how Alto helps financial advisors unlock retirement capital, simplify operational complexity, and give clients a more seamless path into alternative investments.
How can advisors facilitate private market investing for clients using retirement capital?
When a client brings a private market opportunity, or an advisor wants to allocate funds across their book through client IRAs, there's a dedicated path built around how the practice already works. Custody, compliance, and workflow are handled end to end, so advisors aren't managing a separate relationship on top of what they already do for clients.
How can issuers raise capital from investors' retirement accounts?
Issuers list a private offering in the private deal room and invite their investors to participate using self directed IRAs. Retirement account setup and the investment process are supported, so IRA capital can be included alongside other funding sources.
How can investors use retirement savings to invest in a deal they already believe in?
Investors identify a private investment they want to participate in and invite the issuer to work with Alto so the investment can be completed using retirement funds. The structure needed to bring that investment into a self directed IRA is provided as part of the process.
Who handles the account structure, compliance, and operational complexity when retirement capital funds a private deal?
Alto handles the account structure, compliance, and operational complexity, so investors, issuers, and advisors can focus on the deal itself.
What situations call for using a private deal room instead of a separate custodial relationship?
There are usually three types of situations that call for the use of a private deal room instead of a separate custodial relationship:
- An investor has conviction in a specific opportunity and wants to deploy retirement capital into it.
- An issuer, founder, fund manager or company wants to open their offering to investors who want to use qualified assets.
- An advisor is doing either of these on behalf of a client and needs a way to execute it without taking on a separate custodial or compliance relationship.
Learn more about raising from retirement capital
A practical resource for issuers, founders and fund managers, this guide explains how raising capital with IRA funds works, why it fits the private market model and what to consider when enabling investors to participate.
