Solo 401(k): Retirement Made Easy for the Self‑Employed
Specifically designed for small business owners or self-employed individuals with no full-time employees.
- Borrow up to $50,000 or up to 50% of your account value
- Invest in your own business, alternative assets, and more
- Add a free Roth Solo 401(k)
- Maximize tax deductions, up to $77,500
We’ve been an industry leader in self-directed retirement since 2010, helping over 25,000 clients save money on taxes and grow their retirement portfolios.
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Maximize Your Solo 401(k) Potential with IRA Financial's Expertise
Our Flat Fee Structure Means No Hidden Costs or Surprises
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Getting Started is Simple: Open Your Solo 401(k) Account
01
Begin the process
Get started in minutes with our simple online application.
02
Set Up Your Solo 401(k) Account
We’ll guide you through setting up your 401(k) account.
03
Add Funds
Transfer funds to your account and start investing in your future.
Self-Directed Solutions Fit for Your Retirement Needs
Solo 401(k)
Best retirement plan if you are self-employed. Enjoy high annual contributions, Roth and loan features, and unlimited investment opportunities.
- High Contribution Limits
- Employee, Employer, and After-Tax Contributions
- Tax Deferred Growth
- Borrow up to $50,000, Tax Free!
- Flexibility – Checkbook Control
- Traditional & Roth Options
Pricing: $999 setup fee, $399 annually
Self-Directed IRA
With a custodian-controlled IRA, you tell us the investments you want to make, and we’ll do all the work. Invest in traditional and alternative assets, like real estate.
- Portfolio Diversification
- Funding Flexibility
- Access to Alternative Investments
- Cost Saving with One Flat Fee
- Investment Control
- Tax Free/Tax Deferred Gains
Pricing: $0 setup fee, $495 annually
Checkbook IRA
By utilizing the IRA LLC structure, you have total “checkbook control” to make investments when you want, without custodial consent.
- Flexibility – Gain Checkbook Control of Your Funds
- Privacy & Confidentiality
- Special Purpose LLC approved by IRS
- Enhanced Investment Speed
- Partnership Availability (Multi-Member LLC)
- Asset Protection
Pricing: $999 setup fee, $495 annually
IRAfi Crypto™
With the all-new IRAfi Crypto™ trading app, you can now buy, sell, and trade the most popular cryptos, including Bitcoin, Ether, and XRP, for a low, annual fee of just $100.
- Custodial Platform
- Self-Directed Investing 24/7
- Hedge Against Inflation
- Digital Currency
- 35 Different Cryptos/Tokens
Pricing: $0 setup fee, $100 annually, 1% fee per trade
Rollover as Business Startup
An IRS-approved structure that allows you to use retirement funds to start your own business or raise capital for an existing business.
- Use existing retirement funds
- Start a new business
- Fund an existing business
- Earn a salary
- IRS compliant
Pricing: Starting at $3,500 setup fee, $1,200 annually
See What Our Clients Have to Say
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.
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.
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.
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.
