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.
Maximize your retirement savings with a Solo 401(k). See if you prequalify for an account in just 90 seconds.
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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.
Maximize Your Solo 401k Potential with IRA Financial’s Expertise
Expert-guided Investments
Leverage our deep industry knowledge to make informed investment decisions.
Control Over Your Funds
You decide where your money goes. Invest in alternative assets including businesses, real estate, precious metals, crypto, and more.
Safe and Compliant
Our services are fully compliant with financial regulations, giving you peace of mind.
Our Flat Fee Structure Means No Hidden Costs or Surprises
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IRA Financial
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Other Providers
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| Flat Annual Fee | ||
| $0 Investment Fee | ||
| $0 Asset Valuation Fee | ||
| $0 Roth Conversion Fee | ||
| Guaranteed IRS Audit Protection | ||
| Annual Tax Consulting | ||
| Annual Reporting & Filing Service |
Getting Started is Simple: Open Your Solo 401(k) Account
Begin the process
Get started in minutes with our simple online application.
Set Up Your Solo 401(k) Account
We’ll guide you through setting up your 401(k) account.
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.
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.
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.
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.
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.
Pricing: Starting at $3,500 setup fee, $1,200 annually
Testimonials
“I’m a HUGE IRA Financial fan. I’ve been a client for about 10 years and referred a number of friends and family for various self-directed retirement products. I always get clear and informed responses from the staff.”
4.8 Rating
4.3 Rating
Ready To Take Charge of Your Retirement Savings with a Solo 401k?
See If You Pre-Qualify Today