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Investing through an IRA

🏦 Investing Through an IRA on DealMaker

You can invest in select offerings on DealMaker using funds held in a U.S.-based Individual Retirement Account (IRA). This article explains what you need to know about eligibility, custodians, payment process, registration requirements, and IRA-specific limitations.

✅ Can I Use My IRA to Invest?

Yes, many issuers on DealMaker accept investments funded through an IRA. However, not all do. IRA investments are:

  • Subject to the issuer's approval

  • Typically supported through self-directed IRAs

  • Often require coordination with your IRA custodian or administrator

🔍 Check the offering’s FAQ or ask your custodian to confirm if the deal qualifies before proceeding.

🧾 Common Types of IRAs Accepted

DealMaker-compatible IRA structures usually include:

  • Traditional IRAs

  • Roth IRAs

  • SEP IRAs

  • Self-Directed IRAs (SDIRAs) — most commonly used for private placement investments

All IRA investments must be facilitated by a qualified custodian, who will review and execute the investment on your behalf.

💳 How to Fund an IRA Investment

To fund an investment using an IRA:

  1. Complete the investment questionnaire in DealMaker, and select IRA or custodian account as your investor type.

  2. Choose Wire Transfer or ACH as your payment method (depending on what your custodian supports).

  3. Submit the deal information and funding instructions to your custodian, who will then:

    • Review the offering documents

    • Send the funds to the issuer

    • Complete the transaction on your behalf

📩 If your custodian requires specific forms or deal details, download a copy of the subscription agreement and wire instructions directly from the DealMaker platformPay and Sign Your Subscription….

Wire Instructions Are Unique to Each Investment

Every investment on DealMaker generates its own unique wire instructions, tied to your specific subscription in this offering.

If your custodian reuses wire instructions from a previous DealMaker investment, the funds will go to the wrong account. Always provide your custodian with the wire instructions from this investment's checkout page — not from any prior investment.

What to Give Your Custodian

After signing your subscription agreement, you'll receive wire instructions by email. Provide your custodian with:

- Beneficiary name

- Bank name and address

- Account number and routing number

- Reference/memo number

Your custodian should also include the ancillary fee in the total wire amount. The fee is shown on your checkout page and in your wire instructions. Fees are sometimes missed because custodians reference the subscription agreement, which does not list them.

📝 How to Register Shares in an IRA (U.S. Only)

IRA shares must be registered in the name of the custodian, not the individual investor. Example registration format:

[Custodian Name] FBO [Investor Name] [IRA Type] Example: "ABC Trust Company FBO Jane Doe Roth IRA"

If registered incorrectly, you may face delays in confirmation or share issuance.

🔁 Can I Update the IRA Registration Later?

Yes, if your shares were mistakenly registered in your name instead of your custodian, DealMaker or the Transfer Agent (if applicable) can help initiate a correction:

  • You’ll need to submit the correct registration name and possibly supporting documentation from your custodian.

  • A registration update form or written authorization may be required.

  • This can take several business days depending on the issuer’s or transfer agent’s processing policy.

✉️ Submit a support request with your updated IRA account information if needed.

❗ Limitations on Reg CF Investments

Regulation Crowdfunding (Reg CF) investments cannot be held in an IRA account.

This is due to regulatory restrictions around:

  • The nature of Reg CF securities (non-transferable)

  • Custodial control over illiquid investments

📌 If the deal you’re interested in is offered under Reg CF, you’ll need to invest using a personal or entity account insteadPay and Sign Your Subsc….

🛡️ Tips and Reminders

  • Always confirm that your custodian is aware of the investment and can process private placement transactions.

  • If Funds are sent to the wrong place, Contact DealMaker Support immediately. Do not ask your custodian to send a second wire — this may create a duplicate payment. Our team will help locate the funds and route them correctly where possible.

  • Provide accurate registration and payment information to avoid delays.

  • If unsure, contact your custodian first to initiate the process—they will guide you through necessary compliance steps.

💬 Need Help?

  • Visit our Help Center for FAQs.

  • Use the in-portal web chat tool for real-time support.

  • Submit a support ticket if you have questions about your IRA investment.

📌 DealMaker is not a custodian and cannot access or control your IRA account. We do not provide tax or financial advice.

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