# Accuplan Benefits Services > Accuplan Benefits Services is a self-directed IRA third party administrator (TPA) established in 2007 (with roots in estate planning since 1985). Accuplan enables investors to hold alternative assets — real estate, precious metals, private equity, cryptocurrencies, private debt, and more — inside tax-advantaged retirement accounts. The company is not a broker-dealer or investment advisor; it administers accounts on behalf of investors who direct their own investments. The custodian is American Estate and Trust (AET). Accuplan manages over $1.5 billion in assets across 10,000+ active accounts. The custodial partner is American Estate and Trust. Accuplan's primary offices are in Riverton, Utah and Las Vegas, Nevada, with additional offices in California and Arizona. Toll-free phone: 1-800-454-2649. Key distinctions: - Accuplan is a **third party administrator (TPA)**, not a custodian or investment advisor. American Estate and Trust (AET) is the custodian. Accuplan does not provide investment recommendations. - Self-directed means the account holder chooses and directs all investments. - Alternative assets held in IRAs must comply with IRS rules on prohibited transactions and disqualified persons. - Precious metals must be stored at an approved depository (Accuplan uses Delaware Depository). Self-storage is not permitted by the IRS. - Checkbook Control IRAs use an LLC structure to give the account holder direct checkbook access to IRA funds. ## Individual Retirement Accounts - [Self-Directed IRA Overview](https://www.accuplan.net/self-directed-ira/): What a self-directed IRA is, how it differs from a standard IRA, and what alternative assets you can hold. - [Traditional IRA](https://www.accuplan.net/self-directed-ira/individual-accounts/traditional/): Tax-deferred growth with pre-tax contributions; taxes paid at withdrawal in retirement. - [Roth IRA](https://www.accuplan.net/self-directed-ira/individual-accounts/roth/): After-tax contributions with tax-free growth and tax-free qualified withdrawals. - [Checkbook Control IRA](https://www.accuplan.net/self-directed-ira/checkbook-ira/): IRA-owned LLC structure giving the account holder direct checkbook access for faster investment execution without custodian approval per transaction. - [Self-Directed IRA Rules](https://www.accuplan.net/self-directed-ira/rules/): IRS rules including prohibited transactions, disqualified persons, UBIT/UDFI, and contribution limits. ## Business Retirement Accounts - [Self-Directed 401(k)](https://www.accuplan.net/business-accounts/self-directed-401k/): Solo 401(k) and employer-sponsored plans that allow alternative investments alongside traditional assets. - [401(k) Administration](https://www.accuplan.net/401k-administration/): Full-service third-party administration for employer 401(k) plans including compliance testing and recordkeeping. - [SEP IRA](https://www.accuplan.net/business-accounts/sep-ira/): Simplified Employee Pension for self-employed individuals and small businesses with higher contribution limits than traditional IRAs. - [SIMPLE IRA](https://www.accuplan.net/business-accounts/simple-ira/): Savings Incentive Match Plan for employers with 100 or fewer employees. - [ESOP](https://www.accuplan.net/business-accounts/esop/): Employee Stock Ownership Plans allowing employees to own shares in their company through a retirement trust. ## Investment Options - [Real Estate](https://www.accuplan.net/self-directed-ira/investments/real-estate/): Residential, commercial, rental, and raw land investments held inside an IRA. - [Precious Metals](https://www.accuplan.net/self-directed-ira/investments/precious-metals/): IRS-approved gold, silver, platinum, and palladium bullion and coins stored at Delaware Depository. - [Private Equity](https://www.accuplan.net/self-directed-ira/investments/private-equity/): Invest IRA funds in private companies, startups, LLCs, and limited partnerships. - [Cryptocurrencies](https://www.accuplan.net/self-directed-ira/investments/bitcoin-ira/): Bitcoin, Ethereum, and other digital assets held in a self-directed IRA. - [Private Debt/Lending](https://www.accuplan.net/self-directed-ira/investments/private-lending/): Promissory notes, private loans, and peer-to-peer lending funded from IRA assets. - [Tax Liens / Tax Deeds](https://www.accuplan.net/self-directed-ira/investments/tax-liens/): Government tax lien certificates and tax deed properties as IRA investments. - [Trust Deeds](https://www.accuplan.net/self-directed-ira/investments/trust-deeds/): Secured real estate notes and trust deeds held within an IRA. ## Health Savings Accounts - [HSA Overview](https://www.accuplan.net/hsa/): Tax-advantaged Health Savings Accounts with competitive interest on cash balances and investment options. - [HSA Features](https://www.accuplan.net/health-savings-account-features/): Interest earning, contributions, transfers, receipt tracking, and expense reimbursement. - [Employee Wellness Program](https://www.accuplan.net/wellness-program/): Employer-sponsored wellness program integrated with HSA, built on three pillars: savings, education, and action. ## Getting Started - [Open an Account](https://app.accuplan.net/onboarding): Create a new self-directed IRA, 401(k), or HSA account online in under 10 minutes. - [Transfer or Rollover](https://www.accuplan.net/forms/): Download forms to transfer an existing IRA from another custodian or roll over a 401(k). - [Fees](https://www.accuplan.net/fees/): Complete, transparent fee schedule for all account types including setup, annual, and transaction fees. - [Contact Us](https://www.accuplan.net/contact-us-today/): Reach Accuplan's retirement account specialists by phone, text, or online form. ## Company - [About Us](https://www.accuplan.net/about/): Company history from 1985 estate planning roots to current $1.5B+ AUM, team, and mission. - [Our Locations](https://www.accuplan.net/our-locations/): Office locations in Utah, Nevada, California, and Arizona with contact details. - [B2B Partnership Program](https://www.accuplan.net/partnership-program/): White-label and referral partnership program for financial advisors, CPAs, and firms. ## Optional - [Blog](https://www.accuplan.net/blog/): Educational articles on self-directed IRAs, alternative investments, retirement planning, contribution limits, and market insights. - [IRA Forms](https://www.accuplan.net/forms/): Downloadable PDF forms for account setup, transfers, contributions, beneficiary changes, asset valuation, and precious metals transactions. - [Privacy Policy](https://www.accuplan.net/privacy-policy/): Data privacy and information handling policies. - [Sitemap](https://www.accuplan.net/sitemap/): Complete HTML sitemap of all pages.