Solo 401(k)
The best plan for the self-employed
Maximize tax deductions and invest in alternative assets tax free.
- Maximize Contributions
Make annual contributions up to $58,000 or $64,500 if age 50 or older in Roth, pre-tax, or after-tax. - Borrow Up to $50,000
Borrow up to $50,000 or 50% of your account value (whichever is less) and use loan proceeds for any purpose. - Get Checkbook Control
Serve as trustee of your plan and make alternative asset investments on your own with no custodian. - Hassle-Free Administration
Easy to operate and administer. There’s generally no annual filing requirement unless your account exceeds $250,000 in assets. - Real Estate Investor Bonus
Leverage your 401(k) plan assets and pay no UBTI tax. - No Transaction Fees
Invest for one low flat fee, with no transaction fees, asset valuation fees, or minimum balance requirement.
The Solo 401(k)
As trustee of the Solo 401(k), you will have the authority to make investment decisions without the consent of a custodian. Read More
- Maximize Contributions
Make annual contributions up to $58,000 or $64,500 if age 50 or older in Roth, pre-tax, or after-tax. - Borrow Up to $50,000
Borrow up to $50,000 or 50% of your account value (whichever is less) and use loan proceeds for any purpose. - Get Checkbook Control
Serve as trustee of your plan and make alternative asset investments on your own with no custodian. - Hassle-Free Administration
Easy to operate and administer. There’s generally no annual filing requirement unless your account exceeds $250,000 in assets. - Real Estate Investor Bonus
Leverage your 401(k) plan assets and pay no UBTI tax. - No Transaction Fees
Invest for one low flat fee, with no transaction fees, asset valuation fees, or minimum balance requirement.
The Solo 401(k)
As trustee of the Solo 401(k), you will have the authority to make investment decisions without the consent of a custodian. Read More
Do everything on our app
1. Open an account
Sign up in minutes with our app and open a Self-Directed IRA account or call us at 800-472-0646.
2. Roll over funds
You can perform a tax-free direct rollover or indirect rollover to a passive custodian like IRA Financial Trust.
3. Invest
Invest in alternative assets like real estate, as well as traditional assets like stocks.
Do everything on our app
1. Open an account
Sign up in minutes with our app and open a Self-Directed IRA account or call us at 800-472-0646.
2. Roll over funds
You can perform a tax-free direct rollover or indirect rollover to a passive custodian like IRA Financial Trust.
3. Invest
Invest in alternative assets like real estate, as well as traditional assets like stocks.
Never step foot in a bank
Our relationship with Capital One bank allows us to open your account with no wiring fees or minimum balance requirement. No need to sign paperwork or go to a bank—we take care of everything.
Download our info kit for more in-depth reading about the Solo 401(k)
Robust, easy to read, and updated for 2020. This guide is your one-stop shop for all the most important questions about the Solo 401(k).
Our fees
Our fees are simple and transparent.
What you can invest in
With a Solo 401(k), you can make almost any type of investment and generate tax-free gains.
Open your account in minutes
Or get a free consultation
Contact IRA Financial at 1-800-472-0646 or fill out the form to learn more about opening a Solo 401(k).
We don’t share your personal information with anyone. Check out our Privacy Policy for more information.
Did You Know?
The Solo 401(k) is the best retirement plan for independent contractors, sole proprietors, gig workers, and consultants. Learn more