Self-Directed IRAs with Infinite Possibilities

Freedom to invest. Confidence to grow.

Explore a Smarter, Tax-Free Retirement Strategy

Take control of your retirement with lower taxes in a Self-Directed IRA.

Invest in alternative assets like real estate, crypto, precious metals, and private equity.

Founded with a mission to put investment power back in the hands of everyday Americans, Horizon Trust has helped thousands take the reins of their retirement through Self-Directed IRAs.

With best-in-class security, transparent fees, and personal support, we make it easy to invest with confidence in the assets you trust.

Invest in What You Trust:

Grow wealth with real estate, private equity, crypto, and more—without paying capital gains taxes.

Checkbook Control With LLC Formation:

Set up an affordable LLC and gain fast, flexible access to investment capital without custodian delays.

Transparent, Flat Pricing:

No hidden fees, no asset-based charges. Just a one-time setup fee and an annual account fee that scales with you, not against you.

Education & Peer Support

Join a thriving community with complimentary ebooks, biweekly webinars, and blogs that help you learn and grow with other SDIRA investors.

Take Control of Your Retirement Investments

Enter your details below to learn how a Self-Directed IRA works and whether it’s the right structure for your retirement strategy.

Are You Stuck In an Outdated Retirement Plan?

Standard retirement plans limit your investment options to the stock market, leaving you vulnerable to market downturns.

Entrepreneurs and small business owners are waking up to the benefits that a self-directed IRA can provide by allowing them to invest in assets they care about and are familiar with.

Unfortunately, millions of people still don’t know what self-directed retirement plans are or how they work, so they never even think about touching their 401(k) or IRA.

Horizon Trust was founded to help empower everyday Americans to take control of their retirement account and gain access to the little-known benefits of self-directed investing. With a self-directed IRA, you can invest in high-growth assets while minimizing taxes.

Stake Your Retirement on Assets You Trust

Gain access to a wider range of assets like gold, crypto, and real estate that beat stock market returns and hedge against inflation with a self-directed IRA from Horizon Trust.

For just $695 your first year, Horizon Trust can help you start investing in the assets you know with a self-directed retirement plan at a lower cost than other custodians.

Unlike other custodians that bury you in transaction fees and slow approvals, Horizon Trust empowers investors with transparent pricing, fast onboarding, and unmatched access to education and community support.

We provide custodial support for all assets inside your retirement plan, plus services that make it easy to open an LLC and gain checkbook control.

Low, Transparent Fees

$695 your first year and no hidden transaction fees.

5-Star Rated Custodian

Rated 5 stars on Google and Trustpilot by our customers

Educational Support

Gain access to complimentary ebooks, biweekly webinars, and a full library of educational content.

Expert Support

Fast and friendly support for all questions and IRS reporting requirements.

Unmute Here

Our Core Values

LOYALTY

We are committed to each other, our clients, and our mission

OTHERS FIRST

We put the needs of our clients and teammates ahead of our own.

DRIVE

We take initiative, act with urgency, and pursue excellence.

Proven Success. Trusted Leadership. Real Impact.

At Horizon Trust, we make it simple to open and manage a Self-Directed IRA, so you can take control of your retirement on your terms. Founded by Greg Herlean, who has overseen more than $1.3 billion in real estate transactions, Horizon Trust was built by someone who understands what self-directed investors need: personalized service, fast transactions, and a custodian that stays out of your way.

As seen on

Open a Self-Directed IRA in 4 Easy Steps

Imagine retiring early with rental income that pays you month after month–this is the power of retirement through a Horizon Trust Self-Directed IRA.

Here’s how it works:

STEP 1

One on One Consultation

Discovery call with an IRA Specialist to go over your options on what account type is best for your financial goals.

STEP 2

Open Your Account

Fast and guided onboarding from our IRA Senior Specialist.

STEP 4

Invest Your Funds

Work with an Investment Coordinator to guide you on the investment process.

STEP 3

Fund Your Account

Our Incoming Transfers Team will guide you on transferring your funds from your current custodian.

Optional (Recommended) NOT A STEP

Establish an LLC

Use our LLC formation services to establish checkbook control and manage your funds.

Disclaimer

Horizon Trust Company is an independent passive Custodian and is not associated or affiliated with and does not recommend, promote or advise any specific investment, investment opportunity, investment sponsor, investment company or investment promoter or any agents, employees, representatives or other of such firms or entities. Investments are not FDIC Insured, offer no bank guarantee and may lose value.

Your Future, Backed by Our Track Record

Clients Empowered

0 +

Trusted by investors nationwide to take control of their retirement through Self-Directed IRAs.

in Assets Under Custody

Over $ 0

Helping clients grow and protect wealth across real estate, crypto, and private investments.

Why Investors Choose Horizon Trust

Personalized service, fast transactions, and fair pricing. You handle the investing. We handle the paperwork.

1. Service

Personalized support you can count on.

Our dedicated team ensures your Self-Directed IRA journey is smooth, clear, and stress-free.

2. Speed

Move at the pace of opportunity.

With Horizon Trust, Most transactions are processed within 24-48 hours.

3. Cost

Transparent and fair pricing.

We keep fees simple and competitive, so more of your money works for you.

Tax-Advantaged Retirement Planning

Your Self-Directed IRA is more than an account. It's your key to investing on your terms. Horizon Trust opens the door to options far beyond Wall Street.

Roth IRA

Traditional IRA

SIMPLE IRA

SEP IRA

Solo 401(k)

Coverdell ESA (CESA)

Health Savings Account (HSA)

Latest Insights From Horizon Trust

Stay ahead of the curve with fresh perspectives on wealth building and retirement security.

Self-Directed IRA Education

Roth IRA vs. Mutual Fund: Which Is Better for Retirement?

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Self-Directed IRA Guide 2026: Rules, Limits & Investments

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10 Highest-Yielding Self-Directed IRA Investments

In recent decades, many people have begun turning their traditional IRAs into a self-directed IRAs...

5-Star Rated Custodian

    
 
 
       Posted on Google  
   
   L Brown 
 
 
 
 Trustindex verifies that the original source of the review is Google. Valerie was amazing! If y’all weren’t so busy, I would call back just to visit!
  
 
      Posted on Google  
   
   R Bush 
 
 
 
 Trustindex verifies that the original source of the review is Google. Taddie was super helpful today and she was able to resolve all of my questions and issues in one call - fantastic!
  
 
      Posted on Google  
   
   L Randall 
 
 
 
 Trustindex verifies that the original source of the review is Google. Valerie was especially helpful waking me through the steps necessary to get into the portal and then to access a particular document. Very helpful, pleasant interaction.
  
 
      Posted on Google  
   
   K Freitas 
 
 
 
 Trustindex verifies that the original source of the review is Google. Fantastic service! Dana was wonderful and is passionate about what she does. She highly cares for her customers. I felt valued and trusted her expertise.
  
 
      Posted on Google  
   
   C Matellan 
 
 
 
 Trustindex verifies that the original source of the review is Google. I want to sincerely thank Jessie and Dana for the excellent service they provided. They smoothly walked me through the entire process, truly held my hand every step of the way, and patiently answered all of my questions—and I had a lot! Their knowledge was impeccable, and their support made everything easy and stress-free. I would highly recommend Horizon Trust to anyone. Thank you!
  
 
      Posted on Google  
   
   M P. 
 
 
 
 Trustindex verifies that the original source of the review is Google. Robert answered all of my questions perfectly!
  
 
      Posted on Google  
   
   R Spennato 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great experience with Amber, Mercie so far! Buttoned up with great communication and follow up…
  
 
      Posted on Google  
   
   A Thompson 
 
 
 
 Trustindex verifies that the original source of the review is Google. The team members at Horizon Trust Company are prompt in responding to questions.  I've had a great experience with their customer service.
  
 
      Posted on Google  
   
   S Han 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great company to work with! Amazing team and they went above and beyond to help me understand the SDIRA process. My friends are now using Horizon as well so we can invest in more real estate opportunities that we couldn't get into with old 401ks.
  
 
  
  
 
 
      Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Your Ultimate Guide To Self-Guided Success

Your retirement is of utmost importance to you, and it’s also important to us. Our ultimate retirement guide will tell you everything you need to help ensure the success of your self-directed retirement account. In it, you’ll find the differences between various retirement accounts and the many wealth accumulation vehicles, including real estate, and more.