Self Directed Retirement Plans TRUE IRA and TRUE 401(k) combine the best of both worlds. The flexibility to invest when, where and how you choose, along with 100 CHECKBOOK CONTROL. No more waiting. No more paperwork. Investing is as simple as writing a check. All these benefits, and the TRUE Self-Directed IRA and TRUE 401(k) are less costly to maintain. Fees are significantly lower than traditional "Self-Directed" custodians.