iTrustCapital

iTrust Capital Review 2025: Do You Need A Crypto IRA?

Quick Summary:

iTrustCapital is an IRA platform for cryptocurrency investing. The company provides you with all the tax advantages of an IRA account while having the ability to buy and sell cryptocurrency.

PROS

$1000 Minimum Investment

Transparent pricing

$100 referral bonus

CONS

A limited number of cryptocurrencies are available

You don’t control the keys

At A Glance:

Types of Retirement AccountsTraditional, Roth, Sep, Simple, and inherited [IRAs]
Number of Cryptocurrencies supported29
Account Opening Minimum$1,000
SecurityOffline cold storage through Coinbase custody and Fireblocks
Types of ordersMarket & Conditional for Cryptocurrencies

Who Should Use iTrust Capital?

iTrustCapital is a wise option if you are serious about adding cryptocurrencies as part of your long-term investing & retirement strategy.

The tax advantages of IRA accounts make it an easy choice for crypto retirement account investing.

It’s important to note that there are early withdrawal penalties before age 59 1/2, which are subject to being included in your gross income plus an additional 10 percent tax penalty.

But…

If you don’t plan to invest in crypto long-term, you’re probably better off using a traditional crypto brokerage like Coinbase.

What Is iTrust Capital?

ITrustCapital is an industry-leading crypto-based investment IRA platform. iTrust was created to fill the void between traditional retirement investing that permitted trading in assets like stocks and bonds and enable new-age investors to take advantage of the tax benefits of IRA accounts through cryptocurrency trading.

Founded in 2018 by Todd Southwick and Blake Skadron, repeat entrepreneurs, the company has processed over $4.5B in transaction volume.

The company recently completed US$125 million in Series A financing led by Left Lane Capital.

iTrust Capital is headquartered in Irvine, CA.

How Does iTrust Capital Work?

iTrust Capital allows individuals to trade cryptocurrencies and commodities through their Individual Retirement Accounts using their proprietary platform.

IRAs have been around for a long time, but many traditional brokers still only allow conventional investments like stocks and ETFs.

This is where iTrustCapital steps in.

If you want to invest in cryptocurrencies like Bitcoin using your IRA, you can do so through iTrust Capital with the same tax advantages IRAs have traditionally offered; tax-free trading and tax-deferred or tax-free gains. The maximum contribution limit is $6,000 annually for those aged 50 and under.

Cryptocurrency trading through Platforms like Coinbase only offers traditional brokerage accounts so you will be stuck with capital gains taxes.

What Is An IRA?

IRA stands for Individual Retirement Account.

An IRA is an individual retirement account that allows individuals to make tax-deferred investments to provide financial security when you retire. In 2022, the maximum contribution limit is $6,000. There are quite a few types of IRAs, but the most popular are Traditional and Roth IRAs.

Traditional IRA (in which you make tax-deductible contributions) or a Roth IRA (contributions are made on an after-tax basis, but distributions are tax-free).

Traditional and Roth IRAs can be opened without going through an employer.

Types of IRAs Offered

Cryptocurrency IRA

iTrustCapital’ss main feature is its cryptocurrency IRAs. With iTrust Capital, you can open a Traditional, Roth, Sep, Simple, and inherited [IRAs]. With a cryptocurrency IRA, you can buy and sell cryptocurrency in real-time, 24/7/365.

Precious Metals IRA

iTrust also offers a Precious metals IRA. Commodities, especially gold, can provide a safe hedge against inflation or volatile assets.

Unlike other IRAs, the iTrust Capital investment is primarily physical gold instead of futures or other financial instruments like bonds. iTrust invests in gold that is physically held at the Royal Canadian Mint.

Honestly, it seems odd that someone investing in crypto would hedge with precious metals, especially since this is a retirement account. I don’t see many users actively opening a crypto IRA and then hedging it with a precious metals IRA. It kind of defeats the purpose of investing for the long term.

Cryptocurrencies Available

iTrust Capital offers trading in 29 cryptocurrencies, including Bitcoin, Chainlink, Solana, and UniSwap, to name a few. You can either place market orders (execution at the current market price) or conditional orders, which will only be executed when specified criteria are met, such as the price is above or below your specified criteria.

Tradeable Crypto Currencies
Bitcoin (BTC)Ethereum (ETH)Cardano (ADA)
Chainlink (LINK)Polkadot (DOT)Litecoin (LTC)
Dogecoin (DOGE)Bitcoin Cash (BCH)Stellar (XLM)
EOS (EOS)Uniswap (UNI)Compound (COMP)
Sushi (SUSHI)Yearn. finance (YFI)Polygon – Matic (MATIC)
Aave (AAVE)Solana (SOL)Curve DAO (CRV)
Basic Attention (BAT)Enjin (ENJ)Algorand (ALGO)
Cosmos (ATOM)Tezos (XTZ)Maker (MKR)
Shiba Inu (SHIB)Decentraland (MANA)

iTrust is constantly evaluating new cryptos to add to its platform. The primary consideration is whether the currency is supported by its vendors and partners. While the crypto brokerages tend to offer more currencies, you will likely see a more limited selection of coins through IRA accounts.

Pricing & Fees

iTrust Capital’s only fee is 1% for buying or selling cryptocurrency. iTrustCapital does not have a monthly, yearly, or maintenance fee. $50 over spot per ounce for gold and $2.50 over spot per ounce for Silver.

In general, iTrust’s fees are reasonable.

Cryptocurrencies, in general, have a complicated fee structure. For reference, Coinbase and Gemini usually have flat trade rates between $1 and $2, with 2% percentage fees.

Other Fees: There is a onetime conversion fee of $75 to convert a Traditional IRA to a SEP IRA or Roth IRA. This conversion will incur a taxable event

Trading Fee1% for Cryptocurrencies
Maintenance FeesNone
Monthly FeesNone
Gold$50 over spot per ounce
Silver$2.50 over spot per ounce
Other Fee$75 to convert your IRA

How To Open An Account

Opening an account with iTrustCapital is straightforward. Plus, they make easy-to-follow videos for those who don’t like reading.

Step 1. Create an account, and you will be asked to complete the usual details such as name, address, and DOB.

iTrust Capital Create an account

Step 2. Select your IRA type (Traditional, Roth, Sep, Inherited) and how it will be funded.

iTrust Capital Sign-Up

Step 3. Submit for Processing.

iTrust Capital

After that, iTrustCapital will email you if they have any questions while reviewing your application.

Once in good order, the processing team will email you to DocuSign your application.

That’s it.

Funding Instructions Will be Emailed to You After Your IRA has been Opened.

With iTrustCapital, you can fund your account 3 ways:

  • Rollover of an employer plan
  • Transfer of an existing IRA
  • Contribution of new funds

Lastly, if you have any questions or need help, iTrustCapital has a dedicated team to assist with onboarding.

Is My Account Safe & Secure?

TrustCapital works with Coinbase Custody and Fireblocks to secure client assets in institutional storage. Both companies are SOC 2 Type II Certified, implement offline cold storage and multi-party computing solutions, and carry their own insurance policy.

Fireblocks

Fireblocks is SOC 2 Type II Certified. The company has a multi-layered approach to security, eliminating single points of failure. The company carries a $42 million insurance policy.

Coinbase Custody

Coinbase Custody is an independently-capitalized entity from Coinbase.com, which follows different asset storage protocols. . All digital assets are segregated and held in trust for the benefit of their clients. The company is SOC 2 Type II certified and carries a $320 million insurance policy.

Is iTrust Capital Legit?

At first, I was a bit skeptical about iTrustCapital too. I’d never heard of the company before until I saw a commercial on tv recently. After that, I did a bit of research on the company, and the company is legit. They are registered with the SEC and received $125 million in series A funding from Left Lane Capital.

Alternatives To iTrust Capital

As crypto investing becomes more mainstream, more and more crypto-focused IRA platforms appear almost monthly. iTrustCapital’s largest competitor is Alto and RocketDollar. Some other sites compare iTrust to a brokerage like Coinbase, but Coinbase does not offer IRA investing through their platform.

That said, let’s take a look at other platforms that offer crypto IRAs.

FeatureiTrustCapitalAltoLogoRocketDollar
Overall Rating
Monthly FeeNone$10-$25/mo$15-30/mo
Onetime Setup FeeNone$0$360
Minimum Investment$1,000$10/crypto
$50/alternatives
Varies
Types of AccountsIRAsIRAsIRAs, Solo 401K
Coins/Tokens on the Platform29150+
Types of InvestorsOpen to all investorsOpen to all investorsOpen to all investors
Open An AccountRead ReviewNone

Is iTrustCapital Worth It?

If you are serious about adding cryptocurrencies as part of your long-term investing strategy, then yes, opening a crypto IRA through iTrustCapital is worth it. You can take advantage of the tax advantages of IRA accounts while investing in a new, albeit volatile, asset class. Their low $1,000 minimum deposit and 1% transaction fee make their platform transparent with low barriers to entry.

Does iTrust Capital Offer Staking?

According to their website, iTrust Capital staking services are currently developing. Staking is expected to go live in 2022.

Domain Money Review 2024: An All-in-one Wealth Management Service

Domain Money is an all-in-one wealth management service that provides investment management and much more.

Quick Summary:

Domain Money is an all-in-one wealth management service that helps you manage your entire financial life with a dedicated Financial Planner. 

Overall Rating:

Tools & Features:

Ease of Use:

Price:

PROS

  • Transparent Pricing
  • No Minimum Investment

CONS

  • Pricey
  • New Company

Price:

$2,500 – $7,500

Features:

Dedicated Financial Planner

External Portfolio Review

Mobile App:

No

Current Promotions:

None listed

SIGN UP FOR FREE

What is Domain Money?

Domain Money is an all-in-one wealth management app that helps you manage your entire financial life with a dedicated Certified Financial Planner. 

Founded by industry experts who developed Clarity Money and Marcus by Goldman Sachs, Domain built a set of proprietary technologies and processes that radically streamline the time it takes to deliver its services.

Utilizing a team of specialists behind the scenes who handle specialized tasks, such as Certified Public Accountants (CPAs) and investment management specialists, their advisors can focus their time and attention on their clients.

How Does Domain Money Work?

Domain Money’s key offering is its financial Planner service.

When you sign up for Domain Money, they will connect you with an investment advisor investment advisor who is registered as a CERTIFIED FINANCIAL PLANNER™ Professional (CFP® Professional).

Unlike other platforms, Domain’s Financial Planners are actual company employees, which means customers are treated with the highest standard of care to act in the best interests of their clients.

Domain CFPs are fiduciaries, which means they are legally required to manage your money for your benefit, not theirs.

NOTE: Domain does not use AI to deliver financial advice. Their approach ensures a highly qualified human advisor, who is dedicated to your account and oversees all financial advice.

Domain does not charge fees based on your chosen products, meaning their advice is entirely objective and helps align their interests with their clients.

Your Domain advisor will collaborate with you to recommend the most suitable account type and asset allocation based on various factors, including your objectives, risk tolerance, and future plans.

The investment advisor will help you construct cost-effective portfolios with a high level of diversification, primarily using exchange-traded funds (ETFs) and index funds.

Try DOMAIN Money

Key Features

As an all-in-one wealth management app, Domain Money offers various financial services to keep your money in order.

One Page Plan

The One Page Financial Plan provides a tactical guide for those starting out and wanting to optimize their financial resources. 



This is a 90-minute financial planning session with an actionable One Page Plan to clean-up your current finances and get you on track for your financial goals.

The one-page plan charges a flat fee of $2,500.

Strategic Plan

The Strategic Financial Plan enables clients to choose up to three financial areas on which to focus and receive customized advice and recommendations. 



The most common areas are cash flow, home affordability and retirement. This plan includes two meetings and one month of unlimited phone and email access.

The strategic plan charges a flat fee of $4,500.

Comprehensive Plan

The Comprehensive Plan includes everything in your life with a dollar sign, and while the numbers form the foundation for the plan, it is your goals and values that drive the recommendations. Financial areas include goal setting, cash flow analysis, debt management, investments, tax planning, real estate, education savings, retirement planning, insurance and estate planning. 



The Comprehensive Planning process is a six-month engagement and consists of four meetings to actively help you implement the plan and keep you accountable.

The comprehensive plan charges a flat fee of $7,500.

Pricing & Value

Domain Money’s pricing is transparent and simple.

Is Domain Money Worth It?

Domain Money offers an interesting opportunity to streamline personal finance and wealth management. If you are overwhelmed by managing your finances or don’t want to deal with the details, then Domain Money is worth it.

SIGN UP TODAY

Frequently Asked Questions

Is Domain Money Legit?

Yes, Domain Money is legit. The company was founded and is run by Adam Dell (brother of Dell Computer founder Michael Dell). Before founding Domain Money, Dell was a partner at Goldman Sachs – Marcus.

Our Review Methodology

Investing in the right financial products is crucial for achieving your financial goals. That’s why our review methodology is designed to give you a comprehensive understanding of various investing platforms and tools. Here’s a breakdown of what we focus on:

Tools and Features

We dig deep into the suite of tools that each platform offers. Whether it’s automated investment features, tax optimization, or specialized charting tools, we evaluate how these features contribute to smarter investing decisions. We ask questions like:

  • What is its main offering, and how does it compare to its peers?
  • How effective are the risk assessment tools?
  • Are there any value-added services like educational content?

Price and Value

Price matters, especially when it comes to investing, where every penny counts. We analyze:

  • Subscription fees
  • Hidden Charges
  • Price compared to the overall value received

We’ll let you know if the platform gives you the most bang for your buck.

Ease of Use

User experience can make or break an investment platform. We assess:

  • Interface Design – Is it intuitive and easy to use?
  • Mobile app availability and functionality
  • Customer Support – where applicable.

Nobody wants to navigate a clunky interface when dealing with their hard-earned money.

How We Do It

  1. Hands-On Testing: I signed up for Domain Money to provide real insight. This is how I give my unique perspective. We’re unlike some other sites where they simply rehash marketing materials.
  2. Customer Reviews: What are other users saying? We look at reviews and customer feedback to gauge public opinion.
  3. Comparative Analysis: Finally, we compare each platform against competitors regarding features, pricing, and user experience.
Titan Invest

Titan Invest Review 2024: Invest Like Wall Street Elite With Just $100

Quick Summary:

Titan Invest is a premier investment management firm that offers everyday investors a hedgefund-like experience with investment amounts starting at $100.

Overall Rating:

Stock Analysis:

Tools & Features:

Ease of Use:

Price:

Best For:

Buy and hold investors

Capital appreciation-oriented investors

PROS

  • SIPC Insurance Up To $500,00
  • Lower management fee than typical hedge funds
  • Personalized hedge

CONS

  • Higher fees than a mutual fund or index fund
  • Concentrated portfolios (15 -25)

Price:

1% management fee over investments $10,000, otherwise $5 per month

Features:

2 new stock picks per month

Exclusive investing articles

Nearly real-time trade alerts

Mobile App?

Yes, through the Seeking Alpha App

Current Promotions:

None listed

TRY ALPHA PICKS

At A Glance:

  • Minimum investments start at $100
  • 4 Investment Strategies
    • Flagship
    • Opportunities
    • Offshore
    • Crypto
  • Offers individuals brokerage accounts & IRA(s)
  • No performance fees
  • No lock-up period
  • Unique referral program
  • Personalized hedge based on an individual’s risk tolerance.

Who Should Invest With Titan?

Titan Is A Good Option For…

  • Titan is best suited for individuals who want a low-cost actively-managed portfolio with the ability to mitigate losses during market downturns based on your risk tolerance.

Titan Is Not A Good For

  • Day traders
  • Investors who want control over their portfolio composition
  • Individuals looking for low-cost investment options.

What Is Titan Invest?

Titan is a premier investment management firm built for everyday investors like you and me.

The company adopted a mobile-first investment platform on the premise that Wall Street only catered to the ultra-wealthy, and they’re here to change that.

Titan aims to introduce radical transparency by eliminating the Blackbox – professional investors with little insight into their investment process. They aim to change this by providing detailed analysis and updates to help you become the best investor.

Co-founded by Clayton Gardner, Joe Percoco, and Max Bernardy. All three have legit pedigrees graduating from the University of Pennsylvania and Stanford and experience working at elite hedge funds, consulting, and technology companies.

The company manages over $750 million across 50,000+ clients.



Titan Investment Strategies Explained

With Titan Invest, you can become an investor with just $100. Titan aims to grow your capital faster than the market.

To achieve its goal, they seek to do that through 2 main strategies: its Titan Flagship (Large Cap Growth Strategy) and Titan Opportunities (Small, fast-growing under the radar stocks). Both approaches have the same underlying philosophy, high-quality, long-term growth.

Titan Flagship

Titan Flagship is the firm’s large-cap investment strategy. The Flagship strategy is long-term focused with low turnover, meaning that only a few stocks change each quarter. On the short side, clients have personalized downside protection via a market index hedge.

  • Minimum Investment: $100
  • Management Fee: 1%
  • Lockup Commitment: None
  • Objective: Outperform the S&P 500 over a 3 -5 year time horizon. The portfolio is updated as needed when the Portfolio Manager identifies a better risk/reward opportunity than the current holdings.
  • Portfolio Composition: The strategy invests in 15-25 large-cap stocks.
  • Returns: Since inception & net of fees as of Feb 2022, Titan Flagship returned an annualized return of 14.0% vs. 14.6% in the S&P 500. 
  • Personalized Hedge: A personalized hedge using an inverse S&P 500 ETF is dynamically applied depending on the individual’s risk tolerance.
Titan Flagship Returns

Titan Opportunities

Titan Opportunities focuses on small/mid-cap companies in the US. It seeks to invest in equities of market-leading U.S.-based companies under $10B in market capitalization.

  • Minimum Investment: $10,000
  • Management Fee: 1%
  • Lockup Commitmment: None
  • Objective: Outperform the Russell 2000 over a 3 -5 year time horizon.
  • Portfolio Composition: 15-25 long positions compromise the portfolio, plus a personalized hedge based on each client’s risk tolerance. The hedge aims to reduce market exposure during downturns.
  • Returns: Since inception and net of fees as of February 2022, the opportunities fund returned 25.0% vs 19.4% compared to the Russell 2000.
  • Personalized Hedge: A personalized hedge using an Inverse Russell 2000 ETF is dynamically applied based on the individual’s risk tolerance to protect against market downturns.
Titan Opportunities returns

Titan Offshore

Titan Offshore is the firm’s international growth strategy. The Titan Offshore portfolio seeks to invest in the world’s best non-us companies, from China to Latin America.

  • Minimum Investment: $10,000
  • Management Fee: 1%
  • Lockup Commitment: None
  • Objective: Outperform the MSCI ACWI ex USA Index over a 3-5 year horizon.
  • Portfolio Composition: Invest in 15 – 25 stocks with an average market cap of $157 billion.
  • Returns: Since Inception and net of fees, returns as of Feb 2022 are -29.9% annualized vs. -3.3% for MSCI ACWI ex USA index.
  • Personalized Hedge: A personalized hedge using an Inverse MSCI Emerging Markets ETF is dynamically applied based on the individual’s risk tolerance to protect against market downturns.
Titan Offshore returns

Titan Crypto

  • Minimum Investment: $100
  • Management Fee: 1%
  • Lockup Commitment: None
  • Objective: Outperform the Bitwise 10 Large Cap Crypto Index over a 3-5 year horizon
  • Portfolio Composition: 5 – 10 large cap crypto assets.
  • Returns: Since Inception and net of fees, returns as of Feb 2022 are 9.8% vs. -17.4% for the Bitwise Large Cap
  • Personalized Hedge: None available
Titan Crypto returns

Titan Investment Process

Titan applies a rigorous quantitative and qualitative investment approach to identify investments that meet its criteria.

Let’s take a glance:

1. Long-term “economic moats.” In other words, they look for companies with long-term competitive advantages that allow them to earn above-average returns. Economies of scale(a business is profitable due to its scale, switching costs (think your cable company) are examples of economic moats.

2Identifying companies that can grow sustainability faster than average. For example, they look for “secular industry tailwinds.” such as shifting from brick-and-mortar retail to eCommerce.

3. Large Returns on Capital. As shareholders, when Titan invests money into a company,y they consider how much money can expect in return.

4. Identifying companies trading at a discount to their long-term intrinsic value. This means they look for companies whose valuations are at a significant discount to their intrinsic value and have little to no permanent risk of capital impairment.

Personalized Hedge Explained

Titan’s personalized hedge can help you mitigate losses in a market downturn.

The hedge increases in value when the specific index it is linked to decreases in value. I like the fact that the hedge is applied dynamically based on the investment teams’ research and an individual’s risk tolerance.

  • The hedge is applied dynamically based on when the Titan investment team believes their strategies are undergoing or have a high risk of undergoing an extended downturn.
  • The degree of hedge increases during a downturn and decreases when the downturn ceases, as determined by Titan’s investment team.
  • The Inverse ETF acts as a hedge by reducing your portfolio’s overall exposure (“beta”) to the market. Beta is the volatility of the portfolio of securities relative to its benchmark.
Fund TypeHedge
Titan FlagshipInverse S&P 500 ETF
Titan OpportunitiesInverse Russell 2000 ETF
Titan OffshoreInverse MSCI Emerging Markets ETF
Risk ToleranceMarket Downturn % of Portfolio HedgedNo Downturn % of Portfolio Hedged
Aggressive5%0%
Moderate10%5%
Conservative20%10%

How To Start Investing With Titan

Step 1) Create an account and transfer as little as $100

It takes roughly 2 minutes to open a Titan Invest Account. You can choose either a taxable account or a retirement account. Then link a bank account or send a wire transfer. This money goes into your own separately managed account.

Step 2) Titan goes to work and starts investing.

Titan starts investing on your behalf in one of their Investment strategies (Flagship, Opportunities, Offshore, and Crypto).

Step 3) Titan provides investors with real-time updates to help you better understand what’s moving your portfolio.

Titan Referral Program

Titan offers a unique referral program. When you refer someone, and they invest in their first fund account (retirement or non-retirement) with a minimum deposit of $100, provided the referred account remains open and funded, and your account is open and funded too.

For each Qualified New Client, Titan Invest reserves the right to reduce our Advisory Fee by 25 basis points (or our Wrap Program Fee by 25%) for both you and the Qualified New Client for 1) your Titan accounts and 2) the accounts of the Qualified New Client.

You can reduce your Advisory Fee on your accounts by referring Qualifying New Clients until you reach an Advisory Fee of 0% on your accounts or pay $0 in Wrap Program fees.

Furthermore, you can refer new clients after you reach a 0% advisory fee. Still, it will not impact your fees any further – only for those who were referred.

Alternatives To Titan Invest

Titan’s closest competitor is a new(ish) crypto and stock platform called Domain Money

The most significant difference between the platforms is that Domain Money offers self-directed investing and professional investment strategies. Titan only gives investors access to an investment platform that contains four equity and one crypto fund with no self-directed investment options. However, Titan allows customers to invest via an IRA, a feature not available at Domain Money.

Also, in a market downturn, Titan provides a dynamic market hedge for its equity strategies to mitigate downside risk, a feature not available at Domain Money.

Feature
Domain Money
Titan Invest
Actively Managed Portfolios
Number of Crypto Portfolios41
Self-directed Investing
Retirement Account Investing
Fees1%1%

Frequently Asked Questions