The IRA Financial Difference

Experience You Need

IRA Financial Group’s specialists have the expertise to help you establish a Roth Solo 401(k) retirement plan that is fully IRS compliant.

A Team You Can Trust

Our tax and ERISA professionals have helped over 16,000 clients invest $4.6 billion in alternative assets. Let us help you generate tax-free gains with the Roth Solo 401K.

Unbeatable Reputation

IRA Financial founder, Adam Bergman, is a leading voice on self-directed retirement and is the author of 7 books on self-directing.

Tell Us What You Need

Work one-on-one with a specialist to help you establish your Roth Solo 401(k) retirement plan, provide free consultations and assist you in filing necessary tax forms.

Roth Solo 401(k) Benefits 

The Roth Solo 401(k) is the best retirement plan for self-employed and small business owners. With the potential increase of federal and state income tax rates, the ability to generate tax-free returns from your IRA investments is the last surviving legal tax shelter.

Power of Tax-Free Investing

With a Self-Directed Roth Solo 401(k), all qualified distributions of Roth earnings are tax-free. Also known as the Solo Roth 401(k) Plan, you never  pay tax on distributions.

High Contributions

Make after-tax contributions as high as $19,500 to the Roth Solo 401(k) account if you’re under 50. Participants who are 50 and older can make up to $26,000 in contributions. This tax-free retirement plan lets you earn thousands more.

Unlimited Investment Opportunities

With a Roth 401(k) Plan or Roth 401(k) plan sub-account, you can invest your after-tax Roth 401(k) Plan funds in real estate, precious metals, tax liens, private business investments and much more.

Loan Feature

IRAs offer no participant loan feature, but the Roth Solo 401k allows participants to borrow up to $50,000 or 50% of their account value (whichever is less). You can use this loan for any purpose at a low interest rate.

Offset the Cost of Your Plan with a Tax Deduction

Pay for your Solo 401(k) with business funds and become eligible to claim a deduction for the cost of the plan. The deduction for the cost associated with the Solo 401(k) Plan will help reduce your business’  income tax liability. In turn, this offsets the cost of adopting a self-directed Solo 401(k) Plan.

Cost Effective Administration

The Roth solo 401(k) plan is easy to operate. There is generally no annual filing requirement unless your solo 401(k) plan exceeds $250,000 in assets. In that case, you simply have to file a short information return with the IRS (Form 5500-EZ). Our specialists will assist you in completing the form.

Roth Solo 401(k) by IRA Financial Group

“What about your IRA, including rollover IRA? You need to look at state law, advises tax attorney Adam Bergman of New York’s IRA Financial Group. ‘If you have a judgment against you and you don’t file for bankruptcy, most states will still protect your IRA from the judgment,’ says Mr. Bergman.”

Roth Solo 401(k) by IRA Financial Group

“Jeff Brown…transferred roughly $50,000 from his workplace 401(k) account to purchase homes to fix up and sell, partnering with a few other investors. He uses a self-directed IRA that he set up through IRA Financial Group in Miami Beach, Fla.”

Roth Solo 401(k) by IRA Financial Group

“Adam Bergman…gets several calls a day from clients like McDermott looking to invest their retirement funds in real estate. ‘Our average client has retirement accounts of about $150,000 and is looking to buy one or two properties,” he said. “After 2008, they didn’t trust Wall Street. They wanted hard assets.'”

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