Sign up today to get $75 back*

How to get started


Open an IRA with Alto — choose between a Roth, traditional, or SEP IRA.


Fund your IRA with cash, or transfer funds from an existing retirement account.

Make an Investment

Make your first investment through one of our partners or any private deal!

We'll take care executing the documents and finalizing your investment!


Explore alternative assets

With our easy-to-use platform, you can invest in alternative assets — things like startups, growth companies, cryptocurrency, real estate, and more with endless possibilities.

Make an investment through one of our 25+ partners, or invest in any private deal you have on your radar!

Bring on the tax benefits

Growing your money doesn’t need to be taxing. Choose which IRA type works best for your tax situation to increase your return on investments. With a traditional and SEP, you pay no taxes until you take a distribution, and with a Roth IRA, you pay no taxes on gains.1



Lower IRA fees, for everyone

We believe in equal pricing for everyone, whether you’re investing hundreds or thousands.

Pro Starter
$25/month $10/month
Pay $250/year and get 2 months free! Pay $100/year and get 2 months free!


The main difference? With Pro, you'll gain access to:

• Investing in your own private deals
• Ability to add a Checkbook+ to your IRA
• Re-register your assets at another custodian with Alto

Curious about how Alto works? Check out our video below.

Frequently Asked Questions

What does my friend get for referring me?

Your friend receives rewards based on the number of people they refer in a given calendar quarter.

Here's how it breaks down:

  • 1 friend = $50
  • 3 friends = $200
  • 5+ friends = $500

People who sign up using your friends link and fund their account by 12/31/20 are considered a referral from Q4 of 2020.  People who sign up using your friends link and fund their account by 3/31/21 are considered a referral from Q1 of 2021. The maximum amount earned in a given quarter is $500.

Can I sign up for the referral program?

Once you become an Alto customer, and fund your account you are eligible to sign up for our referral program.