A Self-Directed IRA is a type of retirement account that allows you to invest in a broader range of assets beyond traditional stocks and bonds — including real estate, private companies, promissory notes, and more. At Central Bank, we provide the custodial services you need to make these alternative investments possible — all handled right here in Utah by our local, onsite team

We are your retirement services expert, with all account creation, document review, approval, and custodial support handled by professionals based in Utah. When you call, you'll talk to someone who knows and understands the rules governing IRA accounts, not a distant call center. We believe retirement planning should be personal, flexible, and seamless.

With a Central Bank Self-Directed IRA, you can invest in:

• Real estate (residential or commercial)
• Private placements
• Limited partnerships
• Trust deeds and promissory notes
• And more — as allowed by IRS rules

Our team will guide you through the process and help ensure your investments remain IRS-compliant.

Yes! Central Bank is a qualified custodian, and we provide full custodial services for your self-directed retirement account. Our local team ensures that your documentation, approvals, and compliance requirements are processed promptly and professionally.

• A Traditional IRA allows for tax-deferred growth — you may receive a tax deduction now, and you’ll pay taxes when you withdraw funds later.
• A Roth IRA allows for tax-deferred growth and is funded with after-tax dollars, so qualified withdrawals during retirement are tax-free.

Both options can be set up as self-directed accounts at Central Bank, giving you more control over your investment strategy.

Yes! You can rollover or transfer funds from another IRA, 401(k), or retirement plan into a Central Bank Self-Directed IRA. Our local retirement services team will work directly with you and your previous custodian to make the process smooth and secure.

Absolutely. Our retirement services team is based in Utah and available to meet in person, over the phone, or via email. We offer dedicated support, clear answers, and real relationships. You’ll never be routed out of state.

Yes, the IRS prohibits certain transactions — such as self-dealing or investing in entities you personally control. But don’t worry: Our experienced local team will help you stay compliant and avoid costly mistakes. We’re here to be your trusted guide.

Our fee structure is transparent, competitive, and locally managed. Since we’re not a national firm, you’ll avoid many of the “junk fees” and get honest pricing with direct support. Contact our team for a fee schedule specific to your account type and assets.

Call 801-655-2126. You can get started by contacting one of our local IRA specialists. We’ll schedule a consultation, explain your options, and guide you through account setup — all handled right here in Utah with service you can trust.