Solo 401k: retirement for the Bitcoin age


The Solo 401k is the retirement plan for the Bitcoin age, combining the strengths of both IRA and 401k accounts and solving the weaknesses.

Bitcoin, but without the capital gains tax.

Watch your Bitcoin grow without paying a dime in capital gains tax. With a Solo 401k, you won’t owe any taxes until your funds are withdrawn. And if eligible for a Roth IRA, there’s no tax liability at all.

Bitcoin + tax benefits

Solo 401k vs
Self Directed IRA

The Solo 401k offers unmatched flexibility and a deduction limit of up to 10X more than an IRA.

Solo 401k
Self Directed IRA
Invest In Bitcoin
Maximum Tax Deduction
Easy Administration
Traditional & Roth
Bankruptcy Act Creditor Protection
Tax-Free Participant Loans
Be Your Own Custodian
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Solo 401k, the retirement account for Bitcoiners

We’ve partnered with Gemini to give you a simple, elegant, and secure platform to build your crypto portfolio with the tax benefits of a retirement plan.

It takes just a few minutes

Instantly Buy & Sell Bitcoin

Buy or sell Bitcoin in your retirement plan with just a few clicks

Automatic Recurring Buys

Set your daily, weekly or monthly buys, and we'll take it from there

Low Fees

Pay only 1% when you buy and sell Bitcoin and get free qualified rollovers

Cold Storage Available

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Industry Leading Security

Gemini is dedicated to creating the most secure Bitcoin infrastructure possible. ​

Earn Up to 8% APY

More than 100x the average national interest rate

Mega Backdoor Roth Enabled

Contribute more after-tax dollars and grow your retirement savings tax free

Automated Compliance

We make compliance easy so you can focus on your business

Buying Bitcoin in your Solo 401k is easy

Setting up a Solo 401k retirement plan takes just a few minutes and it puts you in control with access to a world of investment options like Bitcoin, cryptocurrencies and much more. Plus it allows for tax-deductible contributions up to 10X larger than an IRA.

Open Solo 401k Plan
Open your Solo 401k plan and holding account
Fund Your Solo 401k
Fund your Solo 401k with a rollover or contribution
Claim your tax deduction and invest in Bitcoin
App features shown above coming soon.
Plans Setup
0 K+
0 K+
Years in Business

When to choose a Solo 401k

When to go with an IRA

Venture beyond Bitcoin

If that’s your cup of tea

Digital Assets

Crypto-assets (ETH, SOL, etc)
DeFi tokens
Security tokens
L1s and L2s

Real Estate

Long-term rentals
Vacation rentals
Offshore property
Apartment syndications
Tax liens
Mortgage notes


Venture capital
Angel investing
Convertible notes

Traditional Assets

Mutual funds
Life Insurance


Precious metals
Private placements
Private lending
Hedge funds
Offshore investments
Solo 401k Loan
App features shown above coming soon.

Take a $50,000 loan instantly

No credit check, no bank—instant approval—all from within your Solo 401k online dashboard.

Invest in Bitcoin for your future, save on taxes today

The more you earn from self employment, the bigger the tax deduction you get for saving and investing for your future. The Solo 401k’s unique tax structure and powerful investment options make it an excellent choice for Bitcoin investors who need both retirement security as well as tax efficiency.

Contribution limits are based on net earnings from self employment.

Select Your Income Range

Your legacy awaits. Start building it with Bitcoin today.

Book a free no-pressure call with a Self Directed Retirement Expert and get answers to your questions about The Solo 401k or Self Directed IRA.

Get the FAQ's on The Solo 401k

The Solo 401k is a special type of retirement plan for business owners (and their spouses). In many ways, the Solo 401k functions like a corporate 401k plan but allows you greater freedom to invest in what you want, and contribute on your own schedule because you are your own 401k plan administrator and trustee.

There are two elements needed to qualify for a Solo 401k:

1) The presence of self-employment business activity and

2) the absence of full-time employees. Please see our page on Solo 401k

Click here to instantly see if you qualify.

The application will only take you a few minutes. After you submit your application to us, we’ll have your documents prepared and delivered to your private encrypted 401k document dashboard in just a couple hours! You have access to your private 401k dashboard 24/7 so you can begin a rollover at 2 am without waiting for someone to have to send you any paperwork. However, the Nabers Group team is always a phone call, email or online chat away to answer any of your questions and make sure you’re well supported.

Click here to start your Solo 401k application.

You can rollover almost any type of retirement plan into the Solo 401k, including a traditional IRA, another 401k plan, 403b, pension plan, TSP, etc. The only retirement plan that cannot roll into a Solo 401k is a Roth IRA as per IRS rules.

The Nabers Group team is here to help every step of the way. Our revolutionary proprietary software will help you complete and generate a rollover packet to send to your current custodian in 2 minutes or less. Your rollover packet includes all the relevant compliance paperwork proving your Solo 401k is an IRS-approved plan, including a copy of our IRS Opinion Letter, and even sample 1099-R so your custodian can document the rollover as a direct rollover.

You’ll receive a check in the mail for your rollover funds with the check made payable to your new Solo 410k trust. Nabers Group never touches your money so it’s safe in your hands as your own 401k trustee. Nabers Group is not a custodian so we don’t manage your investments. You are your own custodian, giving you full freedom and flexibility to invest your funds any way you choose.

You can rollover a portion or all of your funds into the Solo 401k plan. It’s your choice.

You can rollover cash and/or in-kind assets. Our rollover paperwork will give you a section to note if and how you’d like to rollover in-kind assets such as stocks, bonds, or even real estate.

As of 2022, you can contribute up to $61,000 (or $69,500 if you are age 50 or older). If your spouse participates in the Solo 401k plan with you, double that contribution amount!

Yes, you can!

Yes! The Solo 401k has two types of contributions: employee (salary deferral) contributions and employer (profit-sharing) contributions. Your employee contributions are limited to $19,500 across all 401k plans (or $26,000 if you are age 50 or older). That means if you are contributing $10,000 to your regular 401k at work, you would be able to contribute the remaining $9,500 to your Solo 401k plan. Employer (profit-sharing) contributions stand alone so the amount you contribute to the employer portion of your Solo 401k plan does not affect your regular job 401k because they are two distinct employers/businesses.

Yes! Ever since the Pension Protection Act was passed in 2006, you have the ability to do a tax free transfer, or “rollover,” of retirement funds from one retirement account to another.

You must meet 2 requirements to open a Solo 401k:

1) Entrepreneurship – This can be working as a freelancer, independent contractor, or business owner. This can be in the form of a sole proprietor or a formal corporation or LLC. Your entrepreneurship can be brand new, part time, or full time.

2) No full time employees – If you pay yourself a W2 paycheck that’s fine, but no outside W2 employees who work 1000+ hours a year.

No problem! We’ll write a special type of Solo 401k plan for you (for a small additional fee) where your business partner is excluded from participating in your plan. This allows the plan to remain truly “Solo”.
No. If you or your spouse own a business that has W2 employees who work more than 1000 hours per year, you do not qualify for a Solo 401k account and the Checkbook IRA is the best type of Self-Directed retirement account for you.
Yes, it is possible for your spouse to participate in your Solo 401k, without having to create another Solo 401k plan. He/she will be able to rollover and contribute funds alongside you. This also means you and your spouse can combine your retirement funds for investments, which is illegal in IRAs.
The Solo 401k is a retirement account and is tax-deferred, therefore there is no tax return due for a Solo 401k plan. Once you have $250,000 or more in total plan value (add up all your assets and cash in the plan), you will file form 5500-EZ. If you have less than $250,000 in your 401k plan, nothing needs to be filed. The Nabers Group team has guides and articles to guide you and your CPA through successfully completing this form. Our clients have told us that with the help of our trainings and guides, the 5500-EZ took them less than 10 minutes to complete!
Yes, we were the very first non-custodial document provider in the industry and have been setting up Solo 401k plans since 2006 when the Solo 401k first came into existence. Your Solo 401k plan includes a copy of our IRS Opinion Letter proving our 401k plan and trust have been approved by the IRS. We work with the IRS and DOL on a consistent basis to ensure our documents are up to date and afford the greatest freedoms to Solo 401k accountholders while maintaining the strictest compliance standards.

No. With a Solo 401k, you can be your own custodian.

No. Because you don’t need a custodian, you also don’t need to create a “checkbook control” LLC. Your “checkbook control” feature is built in to your Solo 401k. This saves you fees, delays, and the potential of getting into compliance trouble as most self directed IRA fraud happens in custodian accounts.

Yes! And it’s better than a self directed IRA because your Solo 401k is exempt from taxes on leveraged real estate profits.

Yes! ROTH is a special tax treatment that allows you to not only grow your money tax free, but make retirement distributions tax free as well. You can have traditional and Roth funds all in one Solo 401k, and your spouse can too. This means it’s like 4 retirement accounts in one.
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Have more questions?

Nabers Group is a A+ Better Business Bureau Accredited business with a fanatical dedication to excellence in customer service and lifetime customer support to our accountholders.

600 17th Street
Suite 2800
Denver, CO 80202

Phone: 877-765-6401
Fax: 775-201-1456
Email: [email protected]

Business Hours:
Monday-Saturday 8 am-6 pm MT
Sunday by appointment

Cryptocurrency services provided by Gemini Trust Company LLC.


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