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I just contacted Dan Raju. Tradier CEO and Chairman. Got a response within 11 minutes. Here is his response: The deal included IRA accounts too. We do offer Limited Margin IRA accounts. In those accounts, customers can trade option spreads of any type as long as they are covered. They cannot trade naked calls. IRA accounts can only be opened with level 2 options, but customers can complete 2 forms via DocuSign after the account is opened and we can upgrade the account to a Limited Margin IRA with level 3 options trading. For your reference, here are these DocuSign links: Options Limited Margin

I forget the numbers. I don't think there's any way to do this w/o calling Tradier, so just call them and they'll answer all of your questions. Their customer service is excellent; 9 times out of 10 you'll get a person immediately.