Strata Trust Company Review

June 7, 2023

In the world of retirement investing, it can be challenging to navigate through a sea of options and find a reputable company that offers alternative investment opportunities.

That's where Strata Trust Company comes in - a well-established national IRA custodian that specializes in alternative investments.

With over 30,000 investors and $3B in assets, Strata Trust Company offers investment options in real estate, precious metals, crowdfunding, and private equity.

Before we get started, investing your savings is a serious task. When it comes to adding precious metals to your portfolio, how do you know which companies to trust?

That is why we have researched every company in the industry and selected the very few with the highest customer service standards.

This way you can easily compare the best companies in the business, and choose one that fits your needs and investment goals.


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As an investor seeking to diversify their portfolio beyond traditional stocks and bonds, Strata Trust Company may provide an attractive option.

However, choosing the right IRA custodian is not a decision to take lightly.

In this review of Strata Trust Company's services, management team, IRA funding options, ratings, and fees – we aim to provide an objective analysis of what this company has to offer so that you can make an informed decision for your retirement investments.

About Strata Trust Company

This section provides an overview of the history, services, and management team of Strata Trust Company, a national IRA custodian specializing in alternative investments.

Founded in 2008 as Self Direct IRA services, the company underwent a major rebranding in 2017 to become what it is today.

They offer investment options in real estate, precious metals, crowdfunding, and private equity for retirement portfolios. Strata Trust Company has over 30,000 investors and $3B in assets under their custody.

The company launched institutional IRA services that benefit professionals, advisors, and investment platforms.

They are also among the first companies to work with crowdfunding platforms which generated a lot of investors.

Assets under their custody grew dramatically resulting in over 50 employees by 2019.

The management team of Strata Trust Company brings years of experience to the table.

This includes Kelli Click who serves as President with 28 years of experience in self-directed and institutional IRA custody; Jeff Thompson who is Chief Operating Officer with 29 years of experience in the industry; and Michele Maruri who is Chief Financial Officer with 30 years of experience in self-directed IRAs.

The company also prides itself on customer satisfaction evident through its excellent customer service rating on various review sites like BBB (A+ rating), Trustpilot (4.4 out of 5 rating), and its own website (5-star reviews).

Who Is Strata Trust Company?

The entity in question is Strata Trust Company, a national IRA custodian that specializes in alternative investments.

The company was founded over a decade ago and has since rebranded to become one of the leading players in the industry.

With over 30,000 investors and $3B in assets under management, Strata Trust Company offers a range of investment options including real estate, precious metals, crowdfunding, and private equity.

One of the key features that sets Strata Trust Company apart from its competitors is its excellent customer service.

The company's commitment to providing high-quality service to its customers has been widely praised by both individual investors and institutional clients alike.

This dedication to serving customers' needs has helped to establish Strata Trust Company as one of the most trusted names in the self-directed IRA space.

Strata Trust Company offers an impressive product suite for those looking to invest their retirement funds into alternative assets.

With a focus on customer service and a strong reputation within the industry, it is clear that this company takes its responsibilities seriously.

While every investor will have different needs and preferences when it comes to selecting an IRA custodian or investment platform, those who choose Strata Trust Company can rest assured they are working with one of the most respected firms in the business today.

Strata Trust Company Investing Options

Investors looking to diversify their retirement portfolio with alternative assets can explore a range of investment options offered by Strata Trust Company, including real estate, precious metals, crowdfunding, and private equity.

Precious metals remain an attractive option as they are tangible and can weather financial crises.

However, it is crucial to educate oneself about the precious metals industry before investing. Strata Trust Company does not sell or exchange precious metals directly; hence investors need to find a broker for this purpose.

Real estate IRA allows investors to own property in the form of single-family homes, raw land, and commercial property. It is an ideal investment option for those who have knowledge and expertise in the real estate market.

Another advantage of investing in real estate through an IRA is that one can also own mortgage notes and help others purchase properties.

Crowdfunding provides investors access to different assets like real estate, private stock, among others. Entrepreneurs use crowdfunding as a way of raising funds for start-ups; thus it offers new opportunities for investment diversification.

Private equity offers high risks but also comes with high rewards. Investors need to consider their retirement plans and goals when choosing this option.

It is essential to note that all investments come with inherent risks; thus, thorough research should be conducted before making any decisions.

Strata Trust company offers storage services for precious metals as well as bank wire transfers for both contribution funding and distributions from accounts holding these alternative investments.


Investment fees and service charges are important considerations when selecting Strata Trust Company's IRA accounts, as the fees vary depending on the type of investment and required services.

Precious Metals IRA has a set-up fee of $50 and an annual account fee of $95, while the Basic IRA has a set-up fee of $50 and an annual account fee of $125.

The Flex IRA, on the other hand, has a higher annual account fee of $300.

In addition to the basic fees, Strata Trust Company also charges storage fees for commingled or segregated precious metals storage at $100 and $150 respectively.

Shipping options are available for precious metal purchases but come with additional costs estimated at purchase time plus a handling fee of $10 per shipment.

Payment options for future purchases include debit card, bank wire transfer or check payment.

It is crucial to understand all service charges before investing in any IRA account offered by Strata Trust Company.

Incorporating factors such as partial transfer out ($100), note modification ($50), in-kind distribution ($30 per asset) and research/special requests (starting from$25 up to$75/hr) can make these accounts more affordable or expensive than other financial institutions offering similar services.

Customer Reviews

The voice of the people echoes loudly in the realm of investment decisions, and customer reviews serve as a mirror reflecting the level of satisfaction or dissatisfaction with IRA accounts' fees and services.

In the case of Strata Trust Company, the majority of its customer reviews are positive.

The company has received a 4.4 out of 5 rating on Trustpilot and an A+ rating on BBB, indicating that customers are satisfied with their experience.

Most customers appreciate Strata's excellent customer service, which is always available to answer questions.

There are some complaints about fees associated with IRA-approved products like gold coins and shipping costs. It's essential to consider these factors when choosing an IRA custodian to avoid any surprises down the line.

Strata Trust Company receives high marks from its customers for its commitment to providing alternative investment options while maintaining excellent customer service.

While there are some concerns about fees, it's important to keep in mind that fees vary depending on services required; it's crucial to research thoroughly before making any investment decisions.

Frequently Asked Questions

Frequently asked questions about self-directed IRA investments, including information on prohibited investment types, precious metals, funding options, and custodial requirements.

When it comes to precious metals, Strata Trust Company does not sell or buy them.

Instead, investors need a broker to negotiate the exchange, sale, or purchase of these commodities.

It is crucial to research and educate yourself before choosing a dealer to avoid fraudulent cases.

Strata Trust Company offers a broad selection of IRA-approved precious metals that meet specific requirements set by the IRS.

Some precious metals are not permitted in an IRA account. Strata has published a list of all unapproved precious metals on its website for investors' reference.

All precious metals must remain in the custody of Strata Trust Company according to IRS guidelines and cannot be stored in an individual's home storage facility.

Funding options for self-directed IRAs include IRA contribution, direct rollover, or direct transfer. Investors can combine all these methods if they are capable.

Self-directed IRA contributions might be limited depending on income levels and other factors such as retirement plans at work.

It is essential for investors to seek guidance from experts at Strata Trust Company before making any investment decisions regarding their retirement funds.

With excellent customer service and robust institutional services available for professionals and advisors alike - Strata Trust Company is worth considering when looking into alternative retirement opportunities.


Strata Trust Company is a reputable IRA custodian that specializes in alternative investments. With a diverse range of investment options, including real estate, precious metals, crowdfunding, and private equity, Strata Trust Company has established itself as a reliable partner for investors looking to diversify their retirement portfolios. 

The company's management team boasts extensive experience in the financial industry and is committed to providing exceptional customer service.

While Strata Trust Company's fees may be higher than some competitors, the company's commitment to transparency and flexibility make it an attractive option for investors seeking alternative investment opportunities.

Customer reviews are generally positive, with many investors praising the company's knowledgeable staff and efficient processes.

As the saying goes, 'don't put all your eggs in one basket.' Strata Trust Company offers investors the opportunity to diversify their retirement portfolios with alternative investments that can provide greater returns than traditional stocks and bonds.

While there are fees associated with these investments, Strata Trust Company's commitment to transparency and flexibility make it a reliable partner for those looking to invest in non-traditional assets.

Overall, Strata Trust Company is worth considering for those seeking alternative investment options for their retirement savings.