Skip Navigation

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
  • Full IRS-Compliant setup backed by industry experts
  • Avoid brokerage restrictions and gain freedom to invest in real assets

This is a secure form

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.

Checkbook Control

Invest with custodian approval to add layers of protection and credibility.

Higher Contribution Limits

With a $70,000 limit, you can save more each year compared to other SDIRAs

Creditor Protection

Funds are protected under ERISA, making them safer from creditors

Solo 401(k) Details

  • 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.

Pricing Details

$999

setup fee

$399

annually

Get Started

The #1 Self-Directed Retirement Company

IRA Financial, founded in 2010, is a leading provider of self-directed retirement plans and dedicated to helping individuals and business owners invest freely and retire confidently.

Why IRA Financial?

  • Over $5 billion in retirement assets under custody
  • 25,000+ clients across all 50 states
  • 97% client retention rate
  • IRS-compliant platform designed for self-directed investors
  • Expert support from highly trained specialists
Trustpilot

Open Your Solo 401(k) in 3 Easy Steps

See if You Prequalify

Submit the form at the top of this page and apply online

Fund Your Account

Make a contribution or transfer from another IRA account

Choose Your Investments

Pick from any number of alternative asset investments

Get Started Now

See What Our Clients Have to Say

I’m beyond pleased with having my self-directed IRA in your teams capable hands. In a few short months, it’s already proving to be a solid retirement investment vehicle. The fees are insignificant compared to the value. Many thanks.

Ann M. C.

Illinois

The process of setting up my self-directed IRA was quick and painless. There were a lot of forms to be completed, but the customer service at IRA Financial Group is great and they are very quick to respond. I was able to complete my set up quickly and get my funds transferred very quickly. Thanks!

Christy

Virginia

I am extremely pleased with the service and professionalism provided by the IRA Financial Group. I don’t think you can find a better firm to handled Self Directed IRA accounts. Keep up the great work and I will always do business with you.

Owen S.

Texas

IRA Financial Group was invaluable in setting up my account. They explained all of the details involved with the process and made the entire evolution simple and efficient. If someone is considering a self-directed IRA, IRA Financial Group is the clear choice.

Michael J.

Utah

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.

Get Started with a Solo 401(k)

Ready to plan for your future?

Take control of your retirement by investing in alternative assets like real estate, cryptocurrency, businesses, and more. Start creating wealth today by opening an account.

Open an account