Advanta IRA: Platform Profile

Overview

Advanta IRA is a self-directed retirement-account administrator whose current custodian is Advanta Trust Company, Inc., a Nevada-licensed retail trust company.

That brand/custodian distinction is important.

Current structure:

• Brand administrator: Advanta IRA
• Custodian: Advanta Trust Company, Inc.
• Custodian founded: 2025
• Nevada retail trust company: Yes

Advanta supports a broad range of alternative assets and account types.

Its fee schedule gives clients two annual recordkeeping methods:

1. price by number/type of assets;
2. price by total account value.

The better economic choice depends on the account.

May fit better for

• investors holding real estate, notes, private placements, or private stock;
• investors who want to choose between per-asset and account-value pricing;
• investors using several account types beyond Traditional/Roth IRAs;
• investors seeking a Checkbook IRA LLC;
• investors interested in private lending, syndications, precious metals, or crypto;
• users who value a dedicated alternative-asset administrator with a regulated trust-company custodian.

May fit less well for

• investors who want zero custodial fees;
• very large accounts that automatically assume value-based pricing will be cheaper;
• accounts with many separate assets that do not model both fee options;
• investors who want Advanta to recommend investments;
• investors who confuse Advanta IRA with the legal custodian;
• users who expect personal possession of IRA assets without regard to tax rules.

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Current custodian

Advanta's current disclosures state:

• Custodian: Advanta Trust Company, Inc.
• Nevada licensed retail trust company: Yes
• Passive custodial services: Yes

Advanta Trust was founded in 2025 according to current Advanta materials.

The review should not use an older custodian identity as current.

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Current account-opening fee

Current fee schedule:

• Account opening fee: $50

This is a one-time account-establishment fee.

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Annual fee Option 1 — number of assets

Current per-asset pricing:

• Real estate holding: $345 per year each
• Other asset holding: $295 per year each
• Nonrecourse loan holding: $150 per year each
• Precious metals holding: $250 per year per depository
• Precious metals storage: additional

The $295 category includes current examples such as:

• notes;
• LLCs;
• private placements;
• private stock.

A one-asset private-placement account is therefore not priced the same as a one-property real-estate account.

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Annual fee Option 2 — account value

Current value-based schedule:

Current schedule states value-based fees are billed in quarterly installments.

The customer may switch annual billing options once per 12-month period under the current schedule.

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Current transaction and service fees

Selected current charges:

• Purchase sale exchange other asset: $95
• Purchase sale exchange real estate: $145
• Additional capital to existing investment: $50
• Incoming wire: $15
• Outgoing wire: $30
• International wire: $60
• Bill pay check or ACH: $10
• Online portal bill pay: $0
• Cashiers check: $10
• Partial distribution: $20
• Special services: $150 per hour; $50 minimum
• Returned item or stop payment: $30

Current IRA-to-IRA transfer/account-closure charge:

• Fee: 0.5% of transfer amount
• Max if account open more than 2 years: $150
• Max if account open less than 2 years: $250

Late fee:

• Late fee after 30 days: $25 per month

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Fee-option decision is account-specific

The two annual methods can produce materially different costs.

Example:

A $200,000 IRA holding one private placement.

Per-asset method

• $295 annual holding fee

Value-based method

• $700 annual fee

before transaction/service charges.

Now assume the same $200,000 account holds five separately titled private placements.

Per-asset method

• 5 × $295 = $1,475

Value-based method

• $700

The fee option can reverse depending on the number of holdings.

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Checkbook IRA LLC

Advanta supports Checkbook IRA LLC structures.

A checkbook entity can reduce the number of custodian-processed transactions depending on the structure.

It does not remove the need to comply with:

• prohibited-transaction rules;
• disqualified-person restrictions;
• account titling;
• valuation;
• required tax reporting;
• UBIT/UDFI rules where applicable.

Advanta's current fee page specifically notes that checkbook IRA LLC structures can cap costs regardless of account asset count/value.

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Current asset breadth

Current Advanta materials support:

• Real estate: Yes
• Private lending: Yes
• Private placements: Yes
• Private equity: Yes
• Cryptocurrency: Yes
• Precious metals: Yes
• Syndications: Yes
• Foreign investments: Yes
• LLCs: Yes

Crypto can be structured through current self-directed-account methods, including direct IRA/exchange arrangements or an IRA-owned entity depending on the setup.

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Account types

Current account menu supports:

• Traditional IRA: Yes
• Roth IRA: Yes
• SEP IRA: Yes
• SIMPLE IRA: Yes
• Inherited IRA: Yes
• Solo 401K: Yes
• HSA: Yes
• Coverdell ESA: Yes
• Qualified plan recordkeeping: Yes

Account eligibility and tax rules differ.

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Protection and advice

Advanta's role is administrative/custodial rather than investment selection.

State trust-company regulation does not guarantee private investments, real estate values, crypto prices, note repayment, or liquidity.

Assessment

Advanta's most useful pricing feature is not that it has a low headline fee.

It is that the investor can choose between two different annual fee bases.

A single private asset can favor the $295 per-asset method.

Several assets in a larger account can make the value-based method less expensive.

That means an accurate review should model the actual holdings rather than quote one annual number.

The second important point is legal identity.

Advanta IRA is the service brand; Advanta Trust Company, Inc. is the current Nevada-licensed retail trust-company custodian.

For an investor comparing custodians, that distinction is more important than marketing language around "control."