Solo 401(k) Plan

The best retirement plan for the self-employed


Get in touch with one of our Solo 401(k) Experts today!

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Why Go Solo?

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By self-directing your Solo 401(k) with IRA Financial, you can invest in almost anything you want including real estate, precious metals, cryptos, private businesses and so much more.

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Borrow up to $50,000

By utilizing the loan feature, you may borrow up to $50,000 or 50% of your account balance (whichever is less) to use tax- and penalty-free for any purpose.

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High Contribution Limits

The Solo 401(k) plan offers an individual the ability to save up to $66,000 or $73,500 if you are at least age 50 in 2023, more than other retirement plan out there.

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Easy Administration

There is little administrative work to do with the plan - Form 5500-EZ, an information report, is only required once your plan assets total more than $250,000.

Eligibility Requirements

To be eligible for a Solo 401(k) plan, there are just two requirements: the presence of self-employment activity & the absence of full-time employees

Limitless Investment Opportunities

There are only three things you cannot invest in with a Solo 401(k) plan: life insurance, collectibles and any transaction involving a "disqualified person"

Roth or Traditional

Choose from a traditional (pretax) plan and receive an upfront tax deduction or a Roth (after-tax) plan and enjoy tax-free distributions

The Solo 401(k) Process


Complete your application

Once completed, it will go into a queue to be reviewed (generally, 3-5 days).

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Application is reviewed

Your application is reviewd to ensure everything is filled out correctly

Open a Self-Directed IRA Online

Account number assigned

Once you application is approved, an account number is assigned and emailed to you (an additional 3-5 days).

How to Grow Your Retirement Account

Fund your account

You can now fund your Solo 401(k) via transfer, rollover, or direct contribution.

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Start investing

Once your 401(k) is funded, you can begin making investments!

The IRA Financial Difference

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23,000+ clients

Our tax and ERISA experts have helped over 23,000 clients in all 50 states.

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No hidden fees

No transaction or asset value fees. No minimum balance requirement. No termination fee.

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Serve as your custodian

IRA Financial holds over $3.2 Billion in alternative assets.

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IRA Financial’s founder, Adam Bergman, is the author of eight books on self-directed retirement.

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Dedicated support

Get direct access to a self-directed retirement expert to establish your Solo 401(k) plan.

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Use our app to setup and maintain your account.

What are you Waiting For?

Take Control Now & Start Saving for Your Future!


Our Solo 401(k) experts are standing by to answer ANY questions you have!

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The 2022 Tax Season is Behind us - Get Ready for Next Year and take $200 Off Account Setup Fees. Use Code SAVE2023