A Solo 401(k) from Rocket Dollar gives self-employed professionals and small business owners the highest contribution limits of any retirement account — plus the freedom to invest in real estate, crypto, startups, and more.
Contribute up to$70,000/year — more than 3x a traditional IRA
Invest in real estate, crypto, private equity & more
⚡️ Open in under 5 minutes — fastest account setup in the industry
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🏆 Best SDIRA 2026
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Best Self-Directed IRA 2025
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What is a Solo 401(k)?
A 401(k) designed for one-person businesses.
If you're self-employed with no full-time employees (other than a spouse), a Solo 401(k) lets you act as both employer and employee — maximizing contributions and accessing a far wider universe of investments than Wall Street wants you to know about.
$70k
max contribution · 2025
Compare to a Traditional IRA's $7,000 cap. A Solo 401(k) can supercharge your retirement savings every single year.
Why self-employed investors choose the Solo 401(k)
Beyond the extraordinary contribution limits, a Rocket Dollar Solo 401(k) lets you invest those dollars in what you actually know — real estate, startups, private credit — not just a menu of mutual funds. You're the trustee. You make the calls.
Side-by-Side
Not all Solo 401(k)s are created equal.
Most brokerages offer a “Solo 401(k)” — but restrict you to their own investment products. Rocket Dollar unlocks the full power of checkbook control.
Standard SDIRA Custodian
Traditional IRA — someone else decides
Stocks, bonds, and mutual funds only
Every transaction routed through the custodian
Per-transaction fees on active deals
No real estate, crypto, or private investments
Slow wires — miss time-sensitive deals
Rocket Dollar Solo 401(k)
Rocket Dollar — you decide
Invest in anything the IRS permits — real estate, crypto, startups, lending
Checkbook control — write checks or wire funds directly as plan trustee
Unlimited transactions included
Roth option available for tax-free growth
Close as fast as any cash buyer
What you can invest in
Go beyond stocks and bonds.
Millions of Americans don't know their retirement savings can be invested in assets they actually understand. With a Rocket Dollar Solo 401(k), your options are virtually unlimited.
Real Estate Rentals, fix-and-flip, raw land, syndicates
Cryptocurrency Hold your own keys, tax-advantaged
Startups Angel rounds, SPVs, private equity
Private Lending Hard money loans, notes, mortgages
Open your account online in minutes. We handle all the LLC formation, IRS paperwork, and setup — so you can focus on finding great investments.
01
Open Your Account
Open your Rocket Dollar account entirely online — no branch visits, no paperwork stacks. We set up your Self-Directed IRA and IRA-owned LLC, handling all the formation documents and IRS compliance for you.
⚡ 5 minutes to start
02
Fund via Rollover
Move your existing 401(k), IRA, or 403(b) into your new account penalty-free. Our team handles the paperwork and coordinates directly with your current custodian so your money moves quickly and safely.
⏱ 1–2 weeks to fund
03
Write Checks. Close Deals.
Once your account is funded, you're in control. Write a check, wire funds, or sign contracts directly from your IRA LLC — invest in the deals you find, on your timeline, without asking anyone for permission.
Any self-employed individual or small business owner with no full-time W-2 employees other than a spouse qualifies. This includes freelancers, consultants, independent contractors, 1099 workers, and sole proprietors — even if you also participate in a 401(k) at a separate employer.
Most brokerages restrict you to their own investment products — stocks, ETFs, and mutual funds. Rocket Dollar establishes a self-directed trust that you control as trustee, giving you checkbook authority to invest in real estate, private equity, crypto, and other alternative assets the IRS allows.
Yes. Most 401(k)s, Traditional IRAs, SEP IRAs, and 403(b)s are eligible for a penalty-free rollover. Our team handles the transfer coordination and paperwork with your current custodian. Expedited service is available for time-sensitive investments.
For 2025, you can contribute up to $70,000 total — combining employee deferrals of up to $23,500 with employer profit-sharing contributions of up to 25% of net self-employment income. If you're age 50 or older, a $7,500 catch-up contribution raises the ceiling to $77,500.
Yes. Unlike IRAs, a Solo 401(k) permits participant loans of up to 50% of your vested balance or $50,000 — whichever is less. This can be a powerful tool for accessing capital without triggering a taxable distribution. Your specialist can walk you through the mechanics.
The IRS prohibits transactions between your plan and "disqualified persons" — primarily yourself, your spouse, and lineal family members. You cannot purchase property you already own personally, and life insurance and most collectibles are off-limits. Your specialist will cover all applicable rules in detail on your first call.
Get Started Today
Your retirement savings should work as hard as you do.
Speak with a Solo 401(k) specialist today — free, no obligation, no pressure.
