<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=683903349018117&amp;ev=PageView&amp;noscript=1">

The window to reserve your account has closed. Please contact LendingClub directly regarding your account with them.

Alto + LendingClub

The account reservation window has closed

Unfortunately, the account reservation window has closed for LendingClub IRA account holders.

If you're still interested in moving your account over to Alto, please fill out the form on the right and we'll be in contact if the reservation window opens back up.

Still interested? Let us know.

Curious how the account activation process will work?


1. You'll receive an email from us with a link to your account activation page.


2. On the account activation page, you'll verify your information.


3. Then you'll e-sign to activate your Alto account!

Note: You'll receive an account activation email from us in a few weeks!


Leave the paperwork behind

Alto is entirely online. Simply log in for quick access to some of the world’s most recognized investment partners—AngelList, Coinbase, Masterworks, and more. If there’s a specific opportunity you have in mind, BYOD. (That’s short for Bring Your Own Deal.)

Simple pricing is always what you see

Did we mention you’ll get $100 free in account fees? Meaning your Starter Plan is totally covered for the first year. From there, you’ll pay the lowest per-investment fees available on a self-directed IRA, starting at just $10. No minimums, no hidden fees, no surprises.



Grow your money, not your tax liability

Reinvest instead of taking a withdrawal or creating a taxable event. Alto IRA's are available as either: a Traditional IRA, where taxes are deferred until you take a distribution, or a Roth IRA, where qualified distributions are tax-free.1

Frequently Asked Questions

Account activation

This page says I can activate my account later on. What does activate mean?

We'll send you an email towards the end of May about how you can activate your account. Once you've activated your account, you'll be able to use LendingClub’s platform to request a cash transfer from LendingClub to your Alto account. You'll also be able to use Alto's platform to make a new investment or IRA contribution.

How will I be notified when I'm able to activate my account?
You will receive an email—to the email address you use for your LendingClub account—notifying you that you can activate your account. In this email, there will be a link to a site where you will verify your information and go through the easy, step-by-step process for activating your account with us.
How long will it take to activate my account?
Activating your account is simple and will take just a few minutes.
What will I need to do to activate my account?
To activate your account, you will need to verify some personal information and then simply e-sign to activate your account.

General Alto questions

Who is Alto?
Alto Solutions, Inc. d/b/a AltoIRA (Alto) is a Nashville, TN-based administrator of self-directed individual retirement accounts. We are not a registered or licensed broker, dealer, broker-dealer, funding portal, cryptocurrency exchange, investment advisor or investment manager. As such, we offer opportunities to use retirement funds to invest in alternative assets—things outside the public markets—but we do not provide investment advice or recommendations about any specific security offering, investment or asset. Alto®, The Alternative IRA®, the Alto logo and Alto CryptoIRA™ are trademarks of AltoIRA.
‍Are the tax benefits of an Alto IRA the same as those for IRA accounts held at a brokerage or investment firm?
Yes! Our self-directed IRA model puts the investor in the driver’s seat of their retirement account, allowing them to select the investments they want, all while maintaining the same tax-advantages as other IRA accounts.
What will this cost me?
We're waiving $100 in account fees for 12 months. This will cover your annual fee for our Starter plan. If you decide to make a private investment or bring your own deal, you will be prompted to upgrade to our Pro plan ($250/year), which would be $150 for the first year after your $100 credit towards your account fees is applied. You will also be prompted to upgrade to our Pro plan if you add a Checkbook LLC or re-register any assets held at another custodian.
What's next? What happens after the first year with Alto?

After the first 12 months with us, you will continue your current subscription and terms (monthly or annual). Our fees are paid by the credit card that's stored in your account and are securely processed using Stripe technology.

Transfers/funding your Alto account

How do I transfer my assets from Strata?
When you activate your account, you'll be provided with a pre-filled electronic transfer of assets form. Simply e-sign this and we'll work with Strata to transfer your assets and cash (if applicable) to your Alto account.
When can I get access to my money?
Once you have activated your Alto account, you will be able to transfer funds from LendingClub to us. It will take 1-3 business days for LendingClub to send funds to us.
How can I move additional funds to Alto?
Once you have activated your account, you can transfer funds through any of the following methods:
  • Transfer available cash from your LendingClub account
  • Transfer cash from a bank account
  • Transfer cash from another existing retirement account (401k or an IRA)
Can I move my other assets over to Alto?

You may transfer investments to your Alto account as long as they are private assets and are currently held in another retirement account. Re-registering assets will require an update to the Pro plan.

Do I have to pay any taxes or penalties if I transfer or rollover funds from an existing IRA or inactive 401(k) account to Alto?
In most cases, there’s no penalty to transfer or roll over to an Alto account. But we think it's a good idea to always consult your tax advisor for more information.


How can I invest with Alto?
After you activate your account, you'll have to fund your account before making an investment, which you can do through any of these methods:
  • Transfer available cash from your LendingClub account
  • Transfer cash from a bank account
  • Transfer cash from another existing retirement account (401k or an IRA)

Once your account is funded—and the IRS's required 7-day revocation period has passed—you can invest through any of our 25+ investment partners, or even bring your own deal! Here's where you can explore our investment partners.
Who is included on Alto's investment partner platform?
Alto provides access to 25+ investment partners, across a number of alternative asset classes. These include startups, real estate, cryptocurrency, shares in artwork, and more! Here's where you can explore our investment partners.
Do I need to be an accredited investor to invest through Alto's partners?
No, you don't. We support both non-accredited and accredited investors. Anyone can create an Alto account. Some offerings through our investment partners are open only to accredited investors; this designation is entirely up to the issuer or investment partner and may vary by type of offering.
When can I start investing through Alto?
Once your account has been activated and the IRS-mandated 7-day revocation period passes—you'll be able to start investing.