Plans

Three plans. One goal: full control over your retirement.

Every plan delivers Checkbook Control and the ability to invest in alternatives — the right structure depends on how you invest.

Use the Plan Finder Talk to onboarding

Choose the structure that fits your strategy

All three plans are priced at or below half the industry average. Setup is fast. Pricing is transparent.

IRA Trust

Simplicity, efficiency, and privacy

Best for:Paper and digital assets
Ideal assets:Private lending, cryptocurrency, private placements, syndications, venture capital, tax liens, mineral rights

Setup:$400

Set Up IRA Trust Explore IRA Trust

IRA LLC

The true "real estate IRA"

Best for:Liability protection
Ideal assets:Real estate, foreign investments, and any asset where legal liability from ownership is a real concern

Setup:$500 + state LLC fee

Set Up IRA LLC Explore IRA LLC

Solo 401(k)

The ultimate plan for self-employed investors

Best for:Debt-financed real estate and all other assets
Ideal assets:All alternative assets — uniquely tax-advantaged for mortgaged rentals, multi-family syndications, and high-income savers

Setup:$400

Set Up Solo 401(k)Explore Solo 401(k)

Detailed pricing is outlined on each plan page. See the Plan Finder for a guided walkthrough.

The Liability Question

Investing in real estate? The LLC adds a critical layer of protection.

A trust gives you Checkbook Control but no liability shield. If a tenant sues and your trust assets aren't enough to cover the judgment, you may have personal exposure. An LLC firewall prevents that.

IRA LLC is the right call for direct real estate ownership.

The Tax Question

Using a mortgage? The Solo 401(k) saves you real money every year.

IRAs pay tax on income attributable to borrowed funds (UDFI). A Solo 401(k) is exempt from this tax on debt-financed real estate — meaning more of your return stays in the plan.

Solo 401(k) is the most profitable structure for leveraged real estate.

The Contribution Question

High-income self-employed? The Solo 401(k) lets you save far more.

IRA contribution limits cap at $7,500 per year. A Solo 401(k) can accept up to $72,000 annually through combined employee and employer contributions — with no custodian required.

Solo 401(k) wins on savings capacity if you qualify.

Full Feature Comparison

All figures reflect 2026 IRS limits.

Eligibility

IRA Trust

Any IRA-eligible individual

IRA LLC

Any IRA-eligible individual

Solo 401(k)

Self-employed individuals with no full-time employees (other than owner/spouse)

IRA Trust

IRA LLC

Solo 401(k)

YesUp to $50,000 or 50% of vested balance, whichever is less

Rollover sources accepted

IRA Trust

Most plans — Traditional IRA, 401(k), 403(b), Roth IRA, inherited IRA

IRA LLC

Same as IRA Trust

Solo 401(k)

Traditional IRA, 401(k), 403(b), 401(k) RothCannot accept Roth IRA or inherited IRA rollovers

Privacy

IRA Trust

HighTrust document is private; no state registration

IRA LLC

LowLLC filing is public record; registered in each operating state

Solo 401(k)

HighPlan documents are private; no state registration required

State registration

IRA Trust

None

IRA LLC

RequiredMust register in each state with business nexus; franchise taxes may apply

Solo 401(k)

None

Annual IRS reporting

IRA Trust

Custodian files Forms 5498 & 1099-RForm 990-T if UBIT applies

IRA LLC

Custodian files Forms 5498 & 1099-RForm 990-T if UBIT applies

Solo 401(k)

Form 5500-EZ when assets exceed $250,000Form 990-T if UBIT applies (i.e. trade or business income)

Ready to start?

Set Up IRA Trust Set Up IRA LLC Set Up Solo 401(k)

Feature	IRA Trust	IRA LLC	Solo 401(k)
Eligibility	Any IRA-eligible individual	Any IRA-eligible individual	Self-employed individuals with no full-time employees (other than owner/spouse)
Custodian required	Yes	Yes	No
Checkbook control	Yes	Yes	Yes
Annual contribution limit (2026)	$7,500$8,600 if age 50+	$7,500$8,600 if age 50+	Up to $72,000$80,000 age 50–59 or 64+ \| $83,250 age 60–63
Multi-participant (spouse)	NoIRA is individual by nature	NoIRA is individual by nature	YesBoth spouses may participate if employed by the sponsoring business
Liability protection	NoTrust beneficiary may have personal exposure if trust assets are insufficient	YesStatutory LLC protection shields the IRA and personal assets from investment-level claims	NoPlan is a trust. An LLC may be formed under the plan for real estate to add protection
Ideal assets	Notes, syndications, cryptocurrency, private placements, tax liens, mineral rights, venture capital	Real estate, foreign investments, liability-exposed assets	All alternative assetsEspecially advantageous for leveraged real estate
UDFI on leveraged real estate	TaxableIRC §514 applies to all IRA plans	TaxableIRC §514 applies to all IRA plans	ExemptSolo 401(k) is exempt from UDFI on real property debt-financing — a meaningful advantage for syndications and mortgaged rentals
Participant loan	No	No	YesUp to $50,000 or 50% of vested balance, whichever is less
Rollover sources accepted	Most plans — Traditional IRA, 401(k), 403(b), Roth IRA, inherited IRA	Same as IRA Trust	Traditional IRA, 401(k), 403(b), 401(k) RothCannot accept Roth IRA or inherited IRA rollovers
Privacy	HighTrust document is private; no state registration	LowLLC filing is public record; registered in each operating state	HighPlan documents are private; no state registration required
State registration	None	RequiredMust register in each state with business nexus; franchise taxes may apply	None
Annual IRS reporting	Custodian files Forms 5498 & 1099-RForm 990-T if UBIT applies	Custodian files Forms 5498 & 1099-RForm 990-T if UBIT applies	Form 5500-EZ when assets exceed $250,000Form 990-T if UBIT applies (i.e. trade or business income)
Ready to start?	Set Up IRA Trust	Set Up IRA LLC	Set Up Solo 401(k)

Not sure which plan fits?

Answer a few questions about your employment status, investment goals, and funding sources — and we’ll point you to the right structure.

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