Solo 401(k): The Alternative Investor’s Retirement Plan
The retirement plan built for self-employed entrepreneurs, real estate pros & crypto traders. Invest with higher contribution limits and flexible investment options.
- Contribute up to $70,000 annually ($77,500 if you are 50+, or $81,250 if you are between the ages 60-63)
- Invest in alternative assets like real estate, gold, crypto, and private equity
- Avoid brokerage restrictions and gain freedom to invest in real assets
Trusted by thousands, IRA Financial offers fast setup, expert support, and full IRS compliance — so you can save more, stress less, and invest with confidence. Start today.
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What is a Solo 401(k)?
A Solo 401(k), also known as an Individual 401(k), is a retirement savings plan designed specifically for self-employed individuals and small business owners with no full-time employees other than themselves, their spouse, or other business owners. This plan allows for both employer and employee contributions, enabling higher annual contribution limits compared to other retirement plans.
A Solo 401(k) can also offer a Roth option, loan provisions, and the ability to invest in a wide range of assets, including stocks, real estate, and precious metals, through the self-directed structure. It’s a powerful tool for maximizing retirement savings while maintaining flexibility and control.
Full Benefits, Transparent Pricing
- No asset value, transaction, or asset purchase fees
- Free Solo 401(k) plan tax and consulting services
- Free preparation and filing of IRS Form 5500-EZ
- Borrow up to $50,000 tax free
- Mega Backdoor Roth option included
- Guaranteed IRA audit protection
The #1 Self‑Directed Retirement Company
IRA Financial, founded in 2010, is a leading provider of self-directed retirement plans and your partner in financial freedom. Our platform and mobile app make managing your account easier than ever and our in-house tax and compliance team ensures your investments stay within IRS rules.
Why IRA Financial?
- Over $5 billion in retirement assets under custody
- 25,000+ clients across all 50 states
- 97% client retention rate
- Guaranteed IRA audit protection
- Expert support from highly trained specialists
How It Works
01
Open Your Account
Start by opening a new account in less than 10 minutes with us.
02
Fund Your Account
Make a contribution or transfer from another IRA account.
03
Choose Your Investments
Pick from any number of alternative asset investments.
See What Our Clients Have to Say
I decided to open a Self-Directed IRA because I wanted to invest in real estate projects. Also, having control of my money was a big motivating factor as well. Being able to decide where and when to invest has been very successful for me. All the real estate projects I have selected have been solid investments. I have recommended IRA Financial to friends and family.
I researched several companies before deciding to go with IRA Financial. I am completely happy with my choice. I appreciate that I can ask questions about rules prior to making an investment to make sure I am compliant. I like that I can invest in traditional investments, but also real estate. I have invested in land, rentals, and home flips. Whenever I am speaking with self-employed individuals, I bring up IRA Financial and the idea of opening a Solo 401(k). I think it is a no-brainer for someone who is self-employed and wish I had opened mine up sooner.
Online application process was very simple. Any questions I had was quickly responded to by humans and not simply an unintelligent bot. Establishment of my LLC and bank account was very smooth.
Ready To Take Control of Your Retirement Savings?
Take control of your retirement by investing in alternative assets like real estate, cryptocurrency, businesses, and more. Start creating wealth today by starting your application.
