RocketDollar Solo 401k Review, Features, and Pricing (2025)

Choosing the right Solo 401k provider matters when you want more control over your retirement savings. RocketDollar is one option that has gained attention for its focus on investment flexibility and its simplified approach to account management.

In this 2025 review, we’ll cover RocketDollar’s Solo 401k features, benefits, and pricing. You’ll also see who the plan may suit best and how it compares with other providers. The goal is to give you a balanced overview so you can decide whether RocketDollar fits into your long-term retirement strategy.

What Is RocketDollar Solo 401k and Who Is It For?

A Solo 401k is designed for self-employed individuals and small-business owners who want to save for retirement with higher contribution limits than an IRA. RocketDollar’s version offers added flexibility, allowing account holders to direct investments themselves rather than relying on a custodian to approve each move.

RocketDollar Solo 401k Plan Overview

RocketDollar structures its Solo 401k as a trustee-directed plan, meaning you act as the trustee of your own retirement trust. With this setup, you gain direct account control (sometimes called “checkbook control”) over a dedicated bank account in the plan’s name. This arrangement can allow you to place retirement funds into almost any IRS-approved asset type without waiting for third-party approval.

Common asset choices include:

Because transactions are made directly through the trust account, they typically process as quickly as a wire or ACH transfer. Even with this flexibility, RocketDollar’s plan remains an IRS-approved one-participant 401k. 

📝 Note: RocketDollar provides the plan documents, an integrated banking partner, and online setup through its Silver and Gold pricing tiers. These services simplify account management but do not change the fundamental structure of the plan itself.

Who Should Consider It

RocketDollar’s Solo 401k may appeal to different types of investors:

✅ Self-employed individuals and owner-only businesses. If you earn income on a 1099, operate a single-member LLC, or run a business without full-time W-2 employees, you typically meet IRS eligibility rules for a one-participant 401k.

✅ High savers seeking Roth strategies. RocketDollar’s plan documents support after-tax contributions and in-plan conversions. This structure can enable the Mega Backdoor Roth strategy, which is not always available with traditional providers.

✅ Investors focused on alternatives and direct control. Real estate, private deals, or niche assets can be accessed quickly thanks to broader menu and same-day transaction authority.

✅ Spouses working in the same business. If your spouse is on payroll, both of you can participate under the same plan, effectively doubling household contribution potential.

That said, potential users should weigh service expectations. Some reviews mention delays in customer support or document processing, particularly under the higher-priced Gold tier. If ongoing service quality matters more than maximum asset flexibility, it may be worth comparing RocketDollar with brokerage-based Solo 401k providers before making a decision.

RocketDollar Solo 401k Features and Pricing

When looking at RocketDollar, two areas stand out: the wide investment menu and the tax treatment of contributions. Both follow IRS rules for Solo 401k plans but are paired with RocketDollar’s direct-control structure.

Investment Flexibility

RocketDollar’s Solo 401k is trustee-directed, meaning you act as the trustee and manage a dedicated trust bank account. This setup gives you direct account control, often called “checkbook control,” so transactions move as soon as a wire or ACH clears.

You are not limited to public market investments. The plan allows nearly any IRS-approved asset type, such as:

🚫 Restrictions apply. The IRS prohibits collectibles (like art or wine) and certain self-dealing transactions with disqualified persons. Staying within those rules is essential to preserve the plan’s tax benefits.

Contribution Limits and Tax Benefits

Because this plan is structured as a standard one-participant 401k, contribution limits match IRS rules for 2025. You can contribute up to $70,000 through combined employee deferrals and employer profit-sharing, or $77,500 if you are age 50 or older and eligible for catch-up contributions.

You may fund the account with pre-tax, Roth, or after-tax dollars. This flexibility enables strategies like the Mega Backdoor Roth, where after-tax contributions are converted inside the plan. Earnings grow tax-deferred in traditional accounts or tax-free in Roth accounts. Pre-tax contributions may also lower your taxable self-employment income for the year.

Pricing: Silver vs Gold

Tier	Setup Fee	Monthly	Key Extras
Silver	$360	$30	Checkbook control, online dashboard, phone / email support, no AUM fees
Gold	$600	$40	Expedited onboarding, unlimited fee-free transactions, priority support, free debit card, integrated trust checking

📌 Source: Rocket Dollar Pricing

Transaction Costs

RocketDollar’s Solo 401k structure does not include asset-based fees or annual filing charges, which means account growth is not reduced by percentage-based costs. Instead, the plan uses flat transaction pricing:

Plan holders are responsible for filing Form 5500-EZ directly with the IRS once assets exceed $250,000.

Security and Support

RocketDollar has completed a SOC 2 Type 1 audit, which evaluates controls for security, availability, processing integrity, confidentiality, and privacy. Customer information is encrypted both in storage and during transmission, and accounts require two-factor authentication for added protection.

In terms of support, RocketDollar provides educational resources through its knowledge base, webinars, and podcast. Silver members can schedule calls for additional guidance, while Gold members receive priority phone access and faster document turnaround times.

Getting Started With RocketDollar

Opening and funding a Solo 401k through RocketDollar is relatively straightforward, but it does involve a few key steps. Each stage comes with different timelines and responsibilities, so it helps to understand what to expect before moving forward.

How to Open and Fund an Account

Step 1: Open an account.

The process begins with an online application that typically takes about 10 minutes. RocketDollar prepares the official Solo 401k plan documents, registers an Employer Identification Number (EIN) for the plan, and sets up a trust checking account through a partner bank. Standard (Silver) processing usually takes 2–4 weeks, while Gold members may see their accounts ready in about 2 weeks.

Step 2: Fund your account.

After setup, you can bring money into the plan in two ways:

✅ Rollover or transfer — Funds from an old employer plan or IRA can be moved into the Solo 401k. RocketDollar provides digital forms and step-by-step checklists to guide the process. This includes instructions on how to properly title checks or wires to keep the rollover tax-free.

✅ Contributions — For 2025, you may contribute up to $70,000 (or $77,500 if age 50 or older) directly into the trust account by check or ACH.

Step 3: Invest into your account.

Once the money arrives, you act as trustee of the plan. This means you can deploy funds into a wide range of investments such as real estate, private funds, brokerage accounts, or precious metals. Because RocketDollar uses a direct account control model (sometimes called “checkbook control”), you do not need custodian approval for each transaction. With direct control, deals close as soon as payments are made.

Conclusion: Is RocketDollar Right for You?

RocketDollar appeals to investors who value flexibility and want direct control over a wide range of retirement investments. The platform gives account holders the ability to pursue opportunities beyond traditional stocks and bonds, but it also places responsibility for record-keeping and compliance on the individual.

For some, the balance of flexibility and hands-on management makes RocketDollar a practical fit. For others, a lower-cost brokerage Solo 401k may be more suitable. Ultimately, the right choice depends on your priorities, investment style, and comfort level with administration.

📌 If you’d like to continue comparing options, explore our other Solo 401k articles to see how different providers stack up:

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