Discover Why Millions Have Chosen the Solo 401(k) Self-Employed Plan

  • Higher Contribution Limits – up to $62,000
  • Complete Checkbook Control
  • Tax and penalty-free $50,000 Loan
  • Designed for Self-Employed and Small Business Owners

Why Choose IRA Financial


IRA Financial Group’s tax and ERISA specialists have helped more than 12,000 clients self-direct their IRA and invest $4 billion in alternative assets, such as real-estate.


Founder of IRA Financial Group and former tax and ERISA attorney, Adam Bergman, has published seven books to help investors self-direct their individual retirement account.


Find IRA Financial Group on Forbes! Adam Bergman is a frequent contributor to and an official member of the Forbes Financial Council.

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“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.”

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“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.'”

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

Benefits of Solo 401(k) Self-Employed Plan

solo 401(k) self-employed higher contributions

Higher Contribution

Experience the highest contributions of any retirement plan. Participants younger than 50 can make a maximum contribution of $56,000. Participants over 50 can contribute up to $62,000.

solo 401(k) self-employed checkbook control

True 401(k) Control

Take control over your 401(k) with checkbook control. You can make alternative investments, like real-estate and tax-liens without consent from a custodian. As trustee of the self-employed 401(k) plan, all investment decisions are truly yours.

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$50,000 Loan

With the Solo 401(k) Self-Employed Plan, you can borrow up to $50,000 of your account value tax and penalty-free. Use it for any purpose: fund your business, pay off debt or make more investments.

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Helps Small Business Owners

The Solo 401(k) Self-Employed Plan is the best IRA for small business owners with no full-time employees and the self-employed. Receive the full benefits of self-directing without a costly LLC.

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Compare to the SEP IRA

Make two types of contributions with a Solo 401(k): one as an employer and another as an employee. This allows you to reach your maximum savings with the Solo 401(k) Self-Employed retirement plan faster than an SEP IRA.

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Complete Transparency

With IRA Financial, there are absolutely no hidden transaction fees or asset valuation fees. We provide our clients with transparent pricing they can trust at one low annual fee.

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