Midland Trust Review

Midland Trust Review

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Are you looking to diversify your investment portfolio with self-direction in alternative assets?

Many financial institutions offer these types of investment services. One financial institution, in particular, is Midland Trust. 

Midland Trust is an employee-owned company offering a variety of services for individual investors and financial professionals. They focus specifically on self-directed alternative assets for new and professional investors. 

If you’re looking for the best institution to start your investment journey, we’re here to help. Read on for a review of Midland Trust investment services.

Before we get started with this review:

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Overview of Midland Trust

midland trust homepage

Midland Trust provides self-directed retirement accounts that give you the freedom to invest with ease. Self-directed accounts refer to the way an account is administered. 

Midland Trust is a leading custodial service provider that primarily focuses on self-directed IRA accounts and private fund custody services.

Since Midland Trust prioritizes self-directed investments, you can expect a lot of options in this area as well as a lot of support from their advisors. 

Midland Trust has been providing clients with as many opportunities to defer or eliminate taxes and grow their wealth since 1994. Regardless of your financial goals, Midland is backed with experience and knowledge to assist clients nationwide.

Midland Trust Goals

Midland Trust has five key goals for its clients, including:

  • Develop and appreciate their employees
  • Target and win business
  • Provide professional and personal service
  • Operate with unrelenting efficiency
  • Trust and respect one another

Products Offered by Midland Trust

woman picking flowers

Midland Trust offers several products and services to take your self-direction investing to the next level. Whether you're an individual investor or a financial professional, you will find various services to meet your investment needs.

  • IRAs, ESAs, and HSAs

Midland Funding provides its clients with the freedom and flexibility of various individual retirement account types.

Clients have the option to choose from a broad range of alternative investments like real estate, private placements, hedge funds, futures, and more.

  • Traditional IRA

The most common type of IRA is the traditional IRA. Anyone with earned income can use this type of IRA account.

  • Roth IRA

A Roth IRA is a preferred plan for those who make post-tax contributions of up to $6,000. Unlike a traditional IRA, you make contributions upfront.


A simplified employee pension plan is great if you have a small business.

  • Individual 401k

An individual 401k is a great option for those looking to save the most amount of money. An individual 401k has about the same profit-sharing as a traditional 401k. In contrast, individual 401k plans are less complex and have lower costs.

  • Private Investments

Midland Trust also provides private investment options. These options include Private Equity, Hedge-Funds, and Closely-Held LLC.

  • Cryptocurrency

Clients can receive cryptocurrency in the form of an IRA. A cryptocurrency is a digital form of token that can be exchanged for goods and services. 

Cryptocurrency works using blockchain technology. Blockchain is highly secure that manages and records crypto transactions.

  • Gold & Silver IRA

Asset diversification is key to a successful portfolio. A self directed gold IRA enables you to buy gold and silver as long as the purchased assets meet the requirements of the IRS.

Midland Trust Services

Midland Trust also provides a variety of financial services for clients. Here is a look at some of their top services:

Investment Advisors and Financial Planners

Are you an investment advisor or financial planner? Many are turning to alternative assets to help their clients diversify their retirement portfolios. 

Midland Trust states that retirement accounts with their company hold a range of alternative assets, and Midland is focused on streamlining the process of portfolio diversification for all of its clients. 

With investment advisors and financial planners, clients will receive the following:

  • Dedicated representative
  • Master account investment for investment advisors/RIAs
  • Advanced online portal for clients
  • Fast processing times
  • Easy valuation solutions

Investment Onboarding

Midland Trust offers investment onboarding. The onboarding process helps Midland better understand the nature and expectations of your investments. This makes it easier for investment professionals to choose the best option for financial goals.


OnePath is Midland's patented technology that makes it easier for clients to choose self-directed investments. 

OnePath makes investing a seamless, unified investing process by enabling clients to make investment choices through this simple, yet innovative technology.

Most IRAs follow three steps: opening an account, funding the account, and authorizing the investment transaction. With OnePath, these steps are combined into one.

Reasons to Choose Midland Trust

Midland Trust offers many incentives for clients. If you're looking for a financial institution to diversify your portfolio, Midland provides clients with plenty of reasons to choose them.  

Midland holds over 20,000 accounts, has more than 17,000 clients, more than 25 years of business experience, and has a 4.9 out of 5 customer satisfaction rating. Let's take a closer look at the benefits of working with Midland Trust.

Professional Partner Benefits

For professional partners, your clients will benefit from alternate sources of funds to invest in. 

Additionally, Midland offers partners new ways to raise capital. Midland Trust essentially acts as your strategic partner by making the process easier for both investment sponsors and their clients. 

Professional partners will also receive a dedicated service team to help them and their clients every step of the way. Additionally, with Midland's OnePath feature, investors can complete their investment requirements with ease.

Individual Investor Benefits

Midland Trust offers various benefits for individual investors. For starters, they make investing easy by streamlining the process on your behalf. If you have questions, Midland Trust has answers and will support new clients every step of the way. 

Investors will also get to take advantage of case studies to help make better decisions for their investment portfolios. These case studies enable you to draw inspiration from other investors through their self-direction stories.

When you open an account with Midland Trust, you'll find that their services are quite flexible. You can use the same account for all of your alternative investment needs.

Lastly, investors will enjoy an easy and intuitive online portal. With the Midland360 Client portal, you'll have 24/7 account access.

How to Open an Account

The process to open an account with Midland Trust is relatively straightforward. If you're ready to sign up, you can visit their website and select "Create an Account" at the top of the screen.

On the Welcome page, you'll need to provide some basic information, such as your first and last name, email, and what type of account you would like to open.

Their application process does involve various steps. Be prepared to set out time to complete the application. Other steps in the process include:

  • Disclosures
  • Owner information
  • Owner questionnaire
  • Beneficiaries
  • Investment details
  • Fee arrangement
  • Funding options
  • Account notifications

Funding the Account

You will need to fund your newly created account. You can fund your account by transferring money from your bank account, contributing, or an IRA rollover.


To invest, all you need to do is pick from the various alternative assets accepted by Midland Trust.

Pros and Cons of Working with Midland Trust

Midland Trust is one of the top financial institutions to work with when it comes to diversifying your financial portfolio. Before committing, we're going to explore a few pros and cons of investing with this company.

  • Pros

There are many reasons to choose to invest with Midland, whether you are an individual investor or a financial professional. Here are a few advantages to think about:

Educational Material 

Midland Trust makes it clear that they want their clients to succeed. This is why they provide a host of educational materials to appeal to their client's needs.

Whether you want to learn more about self-directed investing or what type of investment is best for you, Midland will provide you with the tools you need to thrive.

Flexible Fees 

Understanding fees is essential when it comes to choosing a company to make your investments with. Midland Trust offers flat and sliding fees each year, along with charge options.

Investors can stay within their budget as they continue to make investment choices that will make an impact on their long-term success.

Professional and Novice Investor Focus 

Midland Trust is suitable for all types of investors. Whether you're investing for the first time, you're a long-term investor or a financial professional, Midland has products and services that will work for your needs.

Midland has plenty of individual investor products from traditional IRAs, simple IRAs, and more. They also offer a host of services from investor onboarding to financial advisors and investment sponsors.

Low Initial Investment 

There are many reasons why you may want to fund your account with a low initial investment. Some investors want to invest small due to their budget.

Other investors might be new to investing and would rather start with a relatively small investment amount. 

Many financial institutions want investors to fund their accounts with large sums of money to open an account, which can make it difficult for some investors to get started.

Fortunately, Midland Trust allows investors to open accounts with as little as $5,000, to begin with. 

Industry Leading Investment Kit 

Midland Trust does everything it can to provide investors and aspiring investors with the tools and education they need to make essential financial decisions.

When you file the online form, you will have access to an extensive, industry-leading investment kit that provides you with invaluable information to kickstart your investment journey.

  • Cons

Midland Trust has many benefits that make it worthwhile, but there are a few things to keep in mind before committing.

Investment Choices  

Compared to other financial institutions, Midland Trust does not have as many investment choices and types. Due to the lack of options, Midland Trust may not hold as much value for some investors who have specific needs. 


Midland Trust allows clients to fund their accounts with a relatively lower initial investment compared to competitors. But it has been said that this financial institution has many hidden fees that can make investing with them more costly.

Final Thoughts

Midland Trust is a great option for investors looking for self-directed retirement accounts. Midland offers several products and services that cater to beginner investors and seasoned professionals. 

Getting started with Midland Trust is simple. You can visit their website and start the online application.

If you have a question about getting started with the application or need help with the investment process, Midland provides plenty of resources to help you get started, including advisors.

One thing to keep in mind is that Midland Trust does not have as many investment options compared to other financial institutions. For starter investors, Midland’s products may be sufficient.

But this can be a problem for seasoned investors who are looking for more investment opportunities.

Additionally, it is said that they have hidden fees. For this reason, you'll want to make sure you talk with someone to make sure you know what fees are involved before committing.

Regardless of what you decide, be sure to thoroughly research to make the best financial decision for your needs.

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