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Roth Academy

Self-Directed Retirement

Your Plan.Your Starting Point.

Two paths to explore a different kind of retirement investing. Start with your situation, then build the right foundation.

01 / The Business Owner
Self-Directed

401(k)

Build a retirement plan around your business, your ambitions, and the way you want to invest.

Business-sponsoredPlan featuresInvestment flexibility
Explore the 401(k)
02 / The Individual Investor
Self-Directed

IRA

Explore a wider investment world inside an individual retirement account, with the right provider and a clear plan.

Individual accountTraditional or RothProvider coordination
Explore the IRA

A Clearer First Decision

Which Starting PointFits Your World?

This is a starting comparison. Eligibility, provider capabilities, and the actual account or plan terms still need review.

Who does it serve?

Self-Directed 401(k)
Business owners, sole proprietors, partnerships, and corporations.
Self-Directed IRA
Individual investors, with or without business ownership.

Business eligibility

Self-Directed 401(k)
Owner-only businesses with no full-time employees other than an owner or spouse.
Self-Directed IRA
None required, anyone with earned income or funds to roll over can open one.

Funding options

Self-Directed 401(k)
Employee deferral and employer profit-sharing contributions, plus rollovers from eligible plans.
Self-Directed IRA
Annual contributions plus rollovers from an old 401(k) or existing IRA.

Key features

Self-Directed 401(k)
Higher contribution limits, checkbook-level control, and a built-in loan provision where the plan allows.
Self-Directed IRA
Traditional, Roth, or SEP options, with checkbook-level control available through certain structures.

Price

Self-Directed 401(k)
$1,500 all-inclusive
Self-Directed IRA
$1,500 all-inclusive
Open My 401(k)Open My IRA
Help Me Choose

Already Have An Account Or Plan?

Bring the current arrangement and the change you have in mind.

Explore existing plan support

From Interest To Action

A Good StartHas A Clear Process.

  1. 01

    Choose Your Plan

    Tell us your goals and we'll confirm whether a self-directed 401(k) or IRA fits.

  2. 02

    Complete Your Setup

    Sign your paperwork and get your account established with our team's help.

  3. 03

    Fund Your Account

    Move or roll over funds into your new account, ready to invest in what you understand.

Before Your Next Move

Good Questions.Clear Answers.

A More Independent Tomorrow

Make It Count.

Your goals deserve more than a standard plan. Open a plan and put your retirement money to work.

Open a PlanAsk a Question