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Manage Your Future Like a Boss With the Equity Solo 401(k)

This powerful retirement plan gives self-employed investors control, compliance, and flexibility without hidden fees or investment restrictions.

Open Laptop and Mobile Phone, showing example dashboards with charts and graphs, within the Equity Trust solo 401k management system.

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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Featured On

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Features

Discover why the Equity Solo 401(k) is a superior plan for business owners.

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Fast and easy

Save valuable time and act quickly on opportunities that come your way.

  • Solo 401(k) plan is established in minutes
  • Invest directly from plan account – no extra steps needed
  • Lightning-fast transactions, including seamless Roth conversions

State-of-the-art management platform

Save yourself the headaches and confusion of trying to comply with Solo 401(k) rules on your own.

  • Intuitive, comprehensive account management tools
  • Complete recordkeeping system for IRS compliance
  • Automated tracking saves time and effort
Smiling man looking at mobile phone with overlay image showing the man’s phone screen and a dashboard for his Equity solo 401k plan.
Smiling man looking at mobile phone with overlay image showing the man’s phone screen and a dashboard for his Equity solo 401k plan.
Image from the point of view of a phone screen, showing a man clicking on a dollar sign button on the screen. The overlay image shows the man’s screen with a solo 401k management dashboard.

Turbocharged retirement investing

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.

  • Enables investing in a wide variety of traditional and alternative assets
  • Contribution limits 10X higher than IRAs
  • Traditional, Roth and After-Tax buckets to maximize contributions
  • Portion of contributions are tax-deductible

Integrated banking

Forget opening multiple accounts or requesting funds for investments. The Equity Solo 401(k) provides convenient, connected, hassle-free banking.

  • Direct control of funds for fast, easy investing
  • Single account for pre- and post-tax fund sorting
  • Loan creation, Roth conversions, IRS-approved documents and more included for flat annual fee
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Smiling bearded man in business attire looking at his phone with an overlay image showing his phone screen with a solo 401k management dashboard.

How the Equity Solo 401(k) stacks up

See how this plan compares to similar plans on the market.

Features Equity Solo 401(k) Most Competitors

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

Image showing a Check under the Equity Solo 401k column indicating they have the feature Image showing an X under the Most Competitors column, indicating they don’t have the feature

One simple bank account

Traditional and Roth contributions conveniently held in the same bank account

Image showing a Check under the Equity Solo 401k column indicating they have the feature Image showing an X under the Most Competitors column, indicating they don’t have the feature

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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Features
Equity Solo 401(k)
Others
Instant plan
document generation

Image showing a Check under the Equity Solo 401k column indicating they have the feature
Image showing an X under the Most Competitors column, indicating they don’t have the feature

IRS-approved plan documentation created on the spot within the platform.

Comprehensive
recordkeeping system

Image showing a Check under the Equity Solo 401k column indicating they have the feature
Image showing an X under the Most Competitors column, indicating they don’t have the feature

Ability to manage and track assets, expenses, contributions, distributions, and more

One simple account
Image showing a Check under the Equity Solo 401k column indicating they have the feature
Image showing an X under the Most Competitors column, indicating they don’t have the feature

Traditional and Roth contributions conveniently held in the same bank account

Comprehensive
services, one fee

Image showing a Check under the Equity Solo 401k column indicating they have the feature
Image showing an X under the Most Competitors column, indicating they don’t have the feature

No additional charges for loan creation/payments, Roth conversions, and IRS 1099-R and 5500-EZ form completion

Dedicated
education and support

Image showing a Check under the Equity Solo 401k column indicating they have the feature
Image showing an X under the Most Competitors column, indicating they don’t have the feature

Backed by knowledgeable employees and a robust library of videos, blogs, and more

How to get started with an Equity Solo 401(k)

In just 5 steps, you can be on your way to growing your wealth your way with your new Solo 401(k).

STEP 1

Confirm your eligibility

Make sure you have self-employment income and no full-time employees other than yourself or your spouse.

STEP 2

Obtain your EINs

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

Complete your application online

The platform walks you through the entire application, which takes just 10-15 minutes to complete.

STEP 4

Open your bank account

Use our integrated bank or your preferred provider to establish your 401(k) bank account.

STEP 5

Fund your plan & start investing

Contribute or roll over funds, then invest directly through your plan with your connected bank account.

STEP 1

Confirm your eligibility

Make sure you have self-employment income and no full-time employees other than yourself or your spouse.

STEP 2

Obtain your EINs

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

Complete your application online

The platform walks you through the entire application, which takes just 10-15 minutes to complete.

STEP 4

Open your bank account

Use our integrated bank or your preferred provider to establish your 401(k) bank account.

STEP 5

Fund your plan & start investing

Contribute or roll over funds, then invest directly through your plan with your connected bank account.

Solo 401(k) education

Learn more about this powerful retirement planning tool for self-employed investors.

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ACCOUNT OVERVIEW

Investment Options, Contribution Limits, and Rules

A complete rundown of the details of the Solo 401(k) and how it works.

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DIG DEEPER

The Ultimate Retirement Plan for the Self-Employed

Details on Solo 401(k) transfers, contributions, and other account activities.

Thumbnail for YouTube video featuring John Bowens, Head of Education and Investor Success, with the title "What is a Solo 401(k)?"

SOLO 401(K) EXPLAINED

What is a Solo 401(k)?

Director of Education John Bowens gives a quick overview of Solo 401(k)s in this video.

TAKE CONTROL

Open your Equity Solo 401(k) now!

Set up your powerful small business retirement plan in minutes – our platform walks you through every step.

Get Started

Open Laptop, Tablet, and Mobile Phone, showing example dashboards with charts and graphs, within the Equity Trust solo 401k management system

Frequently Asked Questions

FAQs

Everything you need to know about the Equity Solo 401(k).

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, you do not need a custodian for your Solo 401(k). As the trustee of your plan, you manage the assets and make investment decisions directly. Equity provides the technology and platform to support you.

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.

Yes. You can contribute directly to a Roth component and convert funds 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.