Take Complete Control with The Nabers Solo 401k.

The Nabers Solo 401k gives you access to more investment options, the highest contribution limits, and the lowest true cost of any fully self directed retirement plan.

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Who is this for?

The Nabers Solo 401k is for Self Employed individuals with No W2 Employees (excluding spouse) who are dealing with these problems:

You can’t Buy & hold the investments you’re passionate about with Other Solo 401k providers or traditional plans

Basic Solo 401k plans force you to buy and hold investments you don't believe in. The Nabers Solo 401k gives you full access to a world of investment options like real estate, cryptocurrencies, precious metals, startups, and much more in one tax-optimized retirement vehicle.

You're A High Income Earner But Aren't "Keeping" As much as you'd like After Taxes

You are making money, and good money money, but every year you write a larger check to "Uncle Sam" because you haven't implemented one tax strategy that can help you save tens of thousands on taxes, keep more of your hard earned dollars, and grow real wealth.

Your time is valuable and you can't spend weeks waiting for document approvals or researching answers to your questions

You know that time is money and we value your time too! That's why our team of experts has created the easiest, fastest Solo 401k setup process in this industry (just a couple of hours). And since your plan is entirely self-directed, you never have to wait for loan or trust document approvals.

You're tired of New Fees that Materialize after signing up and want a predictable flat cost for your solo 401k Setup and Maintenance

Don't let bargain Solo 401k companies fool you and hold your money hostage! With The Nabers Solo 401k, there are no surprise fees and all Solo 401k setup and maintenance is included for one low monthly cost.

You want a retirement vehicle that gives you complete "checkbook control" and access to your capital BEFORE retirement age if needed

Need to access your Solo 401k funds before retirement age for any reason? No problem! Take a loan of up to $50K from your Solo 401k with no credit check, no bank—instant approval—all from within your Solo 401k online dashboard.

You're dead serious about compliance and Need Your solo 401k plan to hold up In Case of an IRS Audit

You don't mess around when it comes to compliance. You need a plan that will hold up with the IRS and keep your assets safe. Our Solo 401k plan documents are written by top attorneys and come with an IRS Opinion Letter proving the Qualified Status of your retirement plan!

Join 10,000+ Happy Customers

Invest in virtually anything.

The Nabers Solo 401k makes you the CEO of your money with access to a full range of investment options so you can grow your money faster.

Real Estate

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

Digital Assets

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


Venture capital
Angel investing
Convertible notes

Traditional Assets

Mutual funds
Life Insurance


Precious metals
Private placements
Private lending
Hedge funds
Offshore investments

If you're searching for a Solo 401k, do not be fooled by discount providers!

The Nabers Solo 401k has everything you need to take complete control of your retirement.​

Discount Solo 401k Providers
Solo 401k Logo
Invest in virtually anything – real estate, crypto, precious metals & much more with full “checkbook control”.
Grow Wealth Tax-Free OR Tax-Deferred with Traditional or Roth plan options.
FREE Q&A call with a member of our Solo 401k concierge team (get answers not a veiled a sales pitch).
One affordable monthly-fee that covers all Solo 401k setup, maintenance and rollovers.
Unlimited expert support by phone, chat, or email for the life of your Solo 401k plan.
The easiest and fastest Solo 401k setup process in the Self Directed Retirement industry. Setup your Solo 401k plan in just a couple of hours (not days or weeks).
30-Day 100% money back guarantee if you’re unsatisfied for any reason.


The True Cost of Discount Solo 401k Providers

Discount Solo 401k have a complicated, time consuming setup process that requires you to jump through hoops, wait for approvals, do your own research. For 18 years we’ve lead the self directed retirement space, creating the most streamlined setup process in existence. With the Nabers Solo 401k, you can be up and running in just a couple of hours.

Select your hourly time value below to see how much you will save:

You’ll save $1,800

Estimate above is based on a the average time saved setting up a Solo 401k with Nabers (18 hours) vs discount providers.

Let's Put It Into Perspective...

How much would it cost to get everything we offer on your own?
Total Value: $20,600

We’re only a small fraction of that AND WE HAVE A GUARANTEE.

Join Thousands of Self Directed Entrepreneurs

For 17 years, we have helped thousands of happy customers take control of their retirement with a Solo 401k.

Watch Your Money Add Up Faster

The difference this can make in your finances is significant due to the effects of larger contributions and a higher growth rate

Chart Inputs:

Solo 401k
$56,000 annual contribution
12% growth rate illustrates the potential of alternative investments (real estate, cryptocurrencies, precious metals, private notes, tax liens, private equity, startups, etc)

$6,000 annual contribution
Annual growth rate of 4.83% (2000-2018 S&P 500)

$37,000 annual contribution
Annual growth rate of 4.83% (2000-2018 S&P 500)

* Illustration assumes net earnings from self employment of $148,000/yr, maximum Solo 401k contributions of $56,000/yr and investment growth of 12%/yr with alternative investments; compared to maximum contributions into IRA of $6,000 and SEP IRA of $37,000 with compound annual growth rate equal to that of S&P 500 in 2000-2018, including dividends, which is 4.83%.

Money Back Guarantee

Our 30-Day, No Questions Asked Guarantee

We GUARANTEE you’ll love our service or get a 100% refund within 30 days of signing up. Just email us or call our support line and you’ll get an immediate refund.

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? Visit our knowledge-base.

Speak with a self directed retirement expert

Our experts are here to help you every step of the way.

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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.

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Suite 2800
Denver, CO 80202

Cryptocurrency exchange services are provided by Gemini Trust Company LLC. Securities services are provided by Nabers Wealth LLC.

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14362 N Frank Lloyd Wright Blvd, Suite 1000 Scottsdale, AZ 85260