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Get Tax-Free Retirement Growth with a Roth Solo 401(k)

A Roth Solo 401(k) lets self-employed individuals and small business owners maximize retirement contributions beyond traditional 401(k) limits. Benefit from tax-free investment growth, broad investment flexibility, and direct control over your retirement strategy.

Open Account
Schedule a Consultation

Get Tax-Free Retirement Growth with a Roth Solo 401(k)

A Roth Solo 401(k) lets self-employed individuals and small business owners maximize retirement contributions beyond traditional 401(k) limits. Benefit from tax-free investment growth, broad investment flexibility, and direct control over your retirement strategy.

Open Account
Schedule a Consultation

Why Choose Us as Your Roth Solo 401(k) Provider?

IRA Financial is a specialized Roth Solo 401(k) provider. When you select us to manage your Roth Solo 401(k), you’ll benefit from personalized support, straightforward pricing, and a smooth setup process—making it simple to build tax-free retirement wealth on your terms.

No Hidden Fees

Flat, transparent pricing with no asset-based costs.

Expert Support

Live chat available 8AM–6PM Central Time.

Checkbook Control

Invest directly, without the need for custodian approval.

24,000+ Clients

Proudly serving over 24,000 clients across all 50 states.

Industry Expertise

Led by Roth Solo 401(k) specialists.

Dedicated Focus

100% Self-Directed Retirement solutions.

Trustpilot

Roth Solo 401(k)

  • Best plan for self-employed individuals
  • Invest in almost everything you want
  • Checkbook Control – serve as your own trustee
  • Maximize tax deductions (up to $77,500)
  • Borrow up to $50,000 tax free!
  • Mega Backdoor Roth option included
  • No transaction or asset value fees
  • Guaranteed IRS audit protection

Pricing Details

$999

setup fee

$399

annually

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Download Fee Schedule

How to Open a Roth Solo 401(k) Plan

Opening a Roth Solo 401(k) account should be straightforward. Follow these steps to set up your plan and start investing.

Open an account

Step 1

Start by opening a new Roth Solo 401(k) account with us here.

Get your Roth Solo 401(k) account number

Step 2

Once approved, you’ll receive your Roth Solo 401(k) account number to move forward.

Fund your account

Step 3

Transfer, roll over, or contribute funds directly to your 401(k) to start investing.

The Benefits of a Roth Solo 401(k)

    Superior tax advantages

    Contributions are made with after-tax dollars, allowing your investments to grow completely tax-free. You pay taxes now, but your qualified withdrawals in retirement are entirely tax-free.

    Ability to borrow funds

    Gain flexible access to your retirement savings by borrowing up to $50,000 (or 50% of your account balance, whichever is lower) without taxes or penalties, providing a convenient source of liquidity if needed.

    Higher contribution limits

    Up to $23,000 employee deferral (or $30,500 if age 50+); plus employer contribution up to combined $70,000 (or $77,500 if 50+)

    Broader investment choices

    Diversify beyond conventional investments like stocks and bonds into alternative assets, including real estate, private equity, cryptocurrency, precious metals, and more, enhancing your potential for wealth accumulation.

    Direct investment control

    Make direct investment decisions without needing brokerage or custodian approval. With full checkbook control, you have ultimate authority to manage your Roth Solo 401(k) investments efficiently and independently.

    Creditor protection

    Funds within your Solo 401(k) receive strong federal creditor protection under ERISA, providing greater security for your retirement savings compared to many other investment accounts.

    Our Roth Solo 401(k) vs Other Providers

    Many Roth Solo 401(k) providers charge asset-based fees, restrict your investment options, or require custodian approvals for transactions. We offer a straightforward, flat-fee plan that gives you complete investment flexibility and direct access to your retirement funds.

    IRA Financial Other Providers
    Flat Annual Fee
    $0 Account & Transaction Fees
    $0 Admin & Processing Fees
    Expert-Guided Investments
    Guaranteed IRS Audit Protection
    Annual Tax Consulting
    Annual Reporting & Filing Service

    Book a Consultation

    Schedule a free consultation with a member of our team to explore how opening a self-directed retirement account can unlock your ability to invest tax-free in a variety of alternative assets.

    Let’s Talk!

    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

    What Alternative Assets Can You Invest in with a Roth Solo 410(k) Plan?

    A Roth Solo 401(k) plan provides flexibility to invest beyond traditional assets like stocks and mutual funds, unlocking opportunities in alternative investments with greater potential for diversification and growth.

    Real Estate

    Residential, commercial, raw land, and rental properties.

    Learn More

    Cryptocurrency

    Bitcoin, Ethereum, and other digital assets.

    Learn More

    Precious Metals

    Gold, silver, and other IRS-approved metals.

    Learn More

    Tax Liens & Deeds

    Acquire property liens for potential returns.

    Learn More

    Private Equity

    Invest in startups, private companies, and venture capital.

    Learn More

    Private Placements

    Invest in a non-public company through the sale of securities.

    Learn More

    Roth Solo 401(k) FAQs

    Below are the answers to common Roth Solo 401(k) questions covering eligibility, contributions, investment flexibility, and tax advantages.

    What is a Roth Solo 401(k)?

    A Roth Solo 401(k) is a retirement plan specifically designed for self-employed individuals and business owners with no full-time employees.

    • Contribute up to $70,000 in 2025 (or $77,500 if 50+). Roth contributions grow tax-free, and qualified withdrawals in retirement are also without tax.
    • Optional loan feature: Borrow up to $50,000 or 50% of the account balance without taxes or penalties.
    • Self-directed plans offer checkbook control for direct investing beyond traditional assets.

    There are a few differences between a Roth Solo 401(k) and a Roth IRA

    • A Roth IRA, on the other hand, has lower contribution limits $7,000 (or $8,000 if 50+), does not permit loans, and is unavailable to high earners.
    • A Roth Solo 401(k) offers significantly higher contribution limits compared to a Roth IRA. It also provides the option to borrow funds and there are no income restrictions. 

    To qualify for a Roth Solo 401(k), you must:

    • Generate self-employment income (from freelancing, contracting, small business activities, etc.).
    • Be self-employed or operate a business with no full-time employees (other than yourself or your spouse).

    For 2025, the total contribution limit is:

    • Up to $70,500 annually (if under age 50).
    • Up to $77,500 annually (if age 50 or older).

    This limit includes employee elective deferrals (up to $23,000/$30,000) plus employer profit-sharing contributions (up to 25% of compensation) up to the annual limit.

    With a Roth Solo 401(k) you can invest it:

    •  Real Estate – Buy rental properties, raw land, or commercial real estate.
    • Cryptocurrency – Invest in Bitcoin, Ethereum, and other digital assets
    • Private Equity – Fund startups, private businesses, or venture capital
    • Tax Liens & Deeds – Purchase tax lien certificates for potential returns.
    • Precious Metals – Buy IRS-approved gold, silver, and platinum.

    Prohibited investments include collectibles and transactions involving disqualified persons (e.g., yourself or immediate family).

    Yes! A Roth Solo 401(k) loan allows you to borrow:

    • Up to $50,000 or 50% of your account balance (whichever is lower).
    • Funds are tax- and penalty-free.
    • Loans must be repaid within five years.

    This is a significant advantage over IRAs, which do not permit standard loans.

    Beginning in 2024, thanks to the SECURE Act 2.0, the RMD rules have changed. Roth Solo 401(k) accounts are no longer required to take RMDs during the account owner’s lifetime. This rule mirrors how Roth IRAs work.

    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 Account

    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 Account

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