Easy Self-Management System
Turbocharged Wealth Building
Nearly Endless Investment Options
Direct Control Over Your Funds
Easy Self-Management System
Turbocharged Wealth Building
Nearly Endless Investment Options
Direct Control Over Your Funds
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Discover why the Equity Solo 401(k) is a superior plan for business owners.
Save valuable time and act quickly on opportunities that come your way.
Save yourself the headaches and confusion of trying to comply with self-employed Solo 401(k) rules on your own.
A self-directed Solo 401(k) provides benefits for solopreneurs that no other retirement plan can. The Equity Solo 401(k) platform unlocks the plan's full potential.
Forget opening multiple accounts or requesting funds for investments. The Equity Solo 401(k) provides convenient, connected, hassle-free banking.
See how this plan compares to similar plans on the market.
| Features | Equity Solo 401(k) | Most Competitors | |
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Instant plan document generation IRS-approved plan documentation created on the spot within the platform |
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Comprehensive recordkeeping system Ability to manage and track assets, expenses, contributions, distributions, and more |
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One simple bank account Traditional and Roth contributions conveniently held in the same bank account |
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Comprehensive 401(k) services, one fee No additional charges for loan creation/payments, Roth conversions, and IRS 1099-R and 5500-EZ form completion |
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Dedicated investor education and support Backed by knowledgeable employees and a robust library of videos, blogs, and more |
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IRS-approved plan documentation created on the spot within the platform.
Ability to manage and track assets, expenses, contributions, distributions, and more
Traditional and Roth contributions conveniently held in the same bank account
No additional charges for loan creation/payments, Roth conversions, and IRS 1099-R and 5500-EZ form completion
Backed by knowledgeable employees and a robust library of videos, blogs, and more
STEP 1
Make sure you have self-employment income and no full-time employees other than yourself or your spouse.
STEP 2
You'll need two: one for your business and one for your Solo 401(k) plan. Our platform walks you through this step.
STEP 3
The platform walks you through the entire application, which takes just 10-15 minutes to complete.
STEP 4
Use our integrated bank or your preferred provider to establish your 401(k) bank account.
STEP 5
Contribute or roll over funds, then invest directly through your plan with your connected bank account.
STEP 1
Make sure you have self-employment income and no full-time employees other than yourself or your spouse.
STEP 2
You’ll need two: one for your business and one for your Solo 401(k) plan. Our platform walks you through this step.
STEP 3
The platform walks you through the entire application, which takes just 10-15 minutes to complete.
STEP 4
Use our integrated bank or your preferred provider to establish your 401(k) bank account.
STEP 5
Contribute or roll over funds, then invest directly through your plan with your connected bank account.
A complete rundown of the details of the Solo 401(k) and how it works.
Details on Solo 401(k) transfers, contributions, and other account activities.
Director of Education John Bowens gives a quick overview of Solo 401(k)s in this video.
Open your Equity Solo 401(k) now!
Set up your powerful small business retirement plan in minutes - our platform walks you through every step.
Our enhanced platform gives you direct access to plan creation, real-time Roth conversions, automatic tax form generation (5500-EZ and 1099-R), and checkbook control through one secure dashboard.
No. Unlike an IRA, a Solo 401(k) does not require a third-party custodian to hold plan assets or administer the account. While cash assets must still be held at a financial institution, the plan trustee has full authority to manage the funds and make investment decisions directly.
The Equity Solo 401(k) has a one-time setup fee of $1,295 and flat fee of $695 each year after that. This flat annual fee includes a range of services - including loan creation/payments, Roth conversions, and IRS 1099-R and 5500-EZ form completion - at no extra charge. Transfers of existing Solo 401(k) plans are subject to an additional one-time fee $250.
You can contribute directly to a Roth component in your 401(k), and also convert funds from a Traditional 401(k) to a Roth 401(k) in-platform.
You may be eligible for a $1,500 tax credit — up to $500 per year for three years — as part of the federal SECURE Act. To ensure proper eligibility and filing the required IRS forms, please consult with your tax advisor to make sure your credit is properly reported in your next three tax returns.
Equity Specialty Services, LLC ("ESS") has partnered with SEPira(k), a third-party technology provider, to offer you the Equity Solo 401(k) solution to establish and manage your Solo 401(k). By combining SEPira(k)'s technology platform with ESS's customer support, you will have the tools to manage your Solo 401(k) seamlessly.
Equity Specialty Services, LLC is a services company which offers services such as acting as a solo 401(k) solution provider, offering document preparation and referral loans services and other services to assist an investor with his/her investments. Equity Specialty Services does not offer investment, tax, or legal advice, and no services offered by us should be considered to replace the need for qualified investment, tax, and legal professionals. It is for education only. Please consult your legal or financial advisor before making any financial decisions. Equity Specialty Services may receive or give referral fees from third party vendors for services it offers to investors.
1 Equity WayWestlake, OH 44145
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© 2026 Equity Trust®. All rights reserved.
Equity Trust Company is a directed custodian and does not provide tax, legal or investment advice. Any information communicated by Equity Trust Company is for educational purposes only, and should not be construed as tax, legal or investment advice. Whenever making an investment decision, please consult with your tax attorney or financial professional. Equity Institutional services institutional clients of Equity Trust Company. Brokerage Services Available Through ETC Brokerage Services, Member SIPC, and FINRA. *Founded in 1974 | Self-Directed IRA Custodian since 1983. The predecessor business to Equity Trust Company was established in 1974 and the IRS approved as a custodian in 1983. **Assets under custody and administration as of 03/31/2026.
Terms of UsePrivacy PolicySite Map
© 2026 Equity Trust®. All rights reserved.
Equity Trust Company is a directed custodian and does not provide tax, legal or investment advice. Any information communicated by Equity Trust Company is for educational purposes only, and should not be construed as tax, legal or investment advice. Whenever making an investment decision, please consult with your tax attorney or financial professional. Equity Institutional services institutional clients of Equity Trust Company. Brokerage Services Available Through ETC Brokerage Services, Member SIPC, and FINRA. *Founded in 1974 | Self-Directed IRA Custodian since 1983. The predecessor business to Equity Trust Company was established in 1974 and the IRS approved as a custodian in 1983. **Assets under custody and administration as of 03/31/2026.
