Can’t you do both? IRA and self custody the majority. Save some tax now and use a reputable custodian for the IRA. I understand there is 3rd party risk. I haven’t found anything I’m comfortable with, hence the question, but I also like to do some tax planning and have multiple buckets just in case I can retire some day.
Discussion
Do you think the current fiat IRS regime will still be in power by the time you retire?