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.
Award-Winning Innovation You Can Trust
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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've looked at all of the participants in this space and IRA Financial was the clear choice. They were the easiest to work with, answered all my questions and concerns prior to me taking the steps to open the account. The process is straight forward and there are no surprises. My investments in Real Estate have been largely successful. IRA Financial is professional, has great support, and put the customer in the driver's seat.
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 have been a client of IRA Financial for several years and I really love them. I've worked with other companies, and they just were not as easy to work with. I appreciate being able to get somebody on the phone and getting help with taxes. Just everything has been so easy to work with. I have, and do, recommend them to anyone thinking about self-directed investing.
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.
