A Transparent Look at Our Fees and Services
When you’re a self-employed professional or small business owner, your retirement strategy should give you freedom, flexibility, and financial control—without hidden fees or red tape. That’s why the Solo 401(k) from IRA Financial stands out in a crowded field: you get transparent pricing, top-tier features, and unmatched support—all built for your long-term success. Read on to learn why choose IRA Financial for your Solo 401(k) plan.
What Makes IRA Financial Different?
Other Solo 401(k) providers may bury you in fine print, charge percentage-based fees, or limit your investment options. IRA Financial takes the opposite approach:
- Flat, Transparent Pricing
- Self-Directed Investment Control
- IRS-Approved Documents
- Unrivaled Client Support
- No Assets Under Management (AUM) Fees
- No Transaction Fees
With IRA Financial, what you see is what you pay. And what you get is industry-leading service with no surprises.
Solo 401(k) Pricing Breakdown (2025)
| Feature | IRA Financial Cost | Notes |
| One-Time Setup Fee | $999 | Includes plan docs, EIN filing, and IRS compliance |
| Annual Fee | $399/year | Flat renewal for document maintenance & support |
| Add-on Roth Component | Included | No extra cost for Roth contributions |
| Loan Processing (Optional) | No Extra Charge | Borrow up to $50K tax-free under IRS rules |
| Checkbook Control Option | Included | Enables direct investing in real estate, crypto, etc. |
| Support via Phone/Email/Chat | Included | Unlimited access to experts |
| Investment Transaction Fees | $0 | No commissions or hidden charges |
| IRAfi Crypto | Included | IRA Financial’s crypto platform included |
Compare that with providers charging 0.5%–2% of your account value annually—and IRA Financial quickly becomes the smarter long-term choice.
What’s Included in Your Plan?
- Customized Plan Documents: Built to meet your business structure and goals
- EIN Filing Assistance: IRA Financial handles the IRS filing for you
- IRS Compliance: Ongoing updates to keep your plan in line with changing regulations
- Free Roth Option: No need to open a separate Roth 401(k)—it’s already included
- Loan Feature: Access up to $50,000 from your plan with no early withdrawal penalty
- Investment Freedom: Buy real estate, private equity, tax liens, cryptocurrency, and more
How IRA Financial Compares to Other Solo 401(k) Providers
| Feature | IRA Financial | Rocket Dollar | Vanguard | MySolo401k.net |
| Setup Fee | $999 | $600 | N/A | $650 |
| Annual Fee | $399 | $480 | N/A | $125 |
| Roth Included | ✅ | ✅ | ❌ | ❓ |
| Checkbook Control | ✅ | ✅ | ❌ | ❓ |
| Real Estate/Crypto Allowed | ✅ | ✅ | ❌ | ✅ |
| IRS Audit Support | ✅ | ❌ | ❌ | ✅ |
| AUM Fees | ❌ | ❌ | ✅ | ❌ |
IRA Financial combines the flexibility of boutique providers with the reliability of national firms—at a flat cost and with premium support.
Security, Compliance, & Peace of Mind
- IRS-Approved Documents
- In-House Legal & Tax Team
- Annual Plan Reviews
- 401(k) Audit Support
- Encrypted Online Portal
Your retirement shouldn’t come with risk—or guesswork. IRA Financial provides everything you need to stay compliant and confident in your financial future.
Who Is the Solo 401(k) For?
- Freelancers and Consultants
- Small Business Owners with No Full-Time Employees
- Side Hustlers and Gig Workers
- High-Income Earners Looking for Roth and Pretax Strategies
The Solo 401(k) offers contribution limits more than 3x higher than IRAs, with powerful features like Roth options, loan provisions, and self-directed investing.
Ready to Open Your Solo 401(k)?
Start Your Solo 401(k) Today
Or Book a Free Consultation with a Specialist
Whether your goal is to maximize contributions with some of the highest limits available, reduce your tax burden through pretax or Roth strategies, or take full control of your investments from real estate and crypto to private placements and beyond, the IRA Financial Solo 401(k) puts the power in your hands.
Unlike traditional providers, you won’t face percentage-based fees, transaction charges, or restrictive investment menus. Instead, you’ll get a retirement plan designed for entrepreneurs and self-starters: flexible, IRS-compliant, and backed by a dedicated support team that understands your unique needs. With IRA Financial, you’re not just opening a Solo 401(k), you’re building a retirement strategy that grows with your business and your future, on your terms.
