I did unchained. The only thing I don't like is legacy addresses only for their multi-sig vaults. I would not trust fortress with the amount in my IRA. Especially with it being the same founder as prime trust and the allegations there. Feels so good to load my IRA in my bitcoin wallet of choice and confirm it is there using my node. Keys scattered about geographically. Those funds feel more real and more safe than ever since the day I first started saving them.

Legacy addresses meaning… same keys as your personal unchained vault? That sort of thing? I transferred half an IRA to swan, not a lot, but was working on maxing or out this year too. I think I want to open an unchained vault, transfer my old stock ira, transfer my swan ira and max the rest out there. Despite the high cost, seems like it may be the safest way as you said

Legacy meaning no segwit or taproot to reduce transaction size and save fees. Not that big a deal since it is an IRA where very few transactions happen. With unchained I can spend at any time without asking their permission. Only thing slowing me down would be the drive from here to the second key. Only thing that happens is they would report me moving them to the IRS.

Also worth noting, you get a free personal vault if you have an IRA. I don't use it because of the legacy addresses, but it might interest you for your after tax buys. I didn't notice it anywhere in the marketing material. I only saw it in my account after it was created.

I already have a individual account, that’s where I first went to self custody though I am considering making myself my own multi sig self custody with blue wallet and 3 devices, running my own node etc. hopefully by the end of the year. Thanks for clarifying the legacy stuff, that makes more sense. Seems like a good solution for the IRA as you said