Solo401k Nabers Group Review and Pricing (2025)

Running your own business often means balancing daily operations with long-term financial security. Retirement planning can easily take a back seat, yet the Solo 401k provider you choose could shape how flexible, cost-effective, and efficient your plan becomes.

This review takes a closer look at Nabers Group’s Solo 401k in 2025. You’ll learn what the plan offers, how its pricing compares to others, and what the setup process typically looks like, so you can decide if it suits your retirement goals.

Nabers Group Solo 401k Overview

The Nabers Group Solo 401k is designed for owner-only businesses and their spouses. It’s positioned as a fully self-directed option for self-employed professionals who want flexibility beyond standard brokerage accounts.

The plan is self-directed, going beyond the traditional brokerage-only model. Instead of limiting you to mutual funds or ETFs, the plan structure combines trustee services with direct account control (also called checkbook control). 

This setup allows your retirement account to be held at nearly any U.S. bank or credit union, all while staying compliant with IRS rules. Contributions follow the standard IRS limits for 2025, and the plan documents are created and delivered fully online.

Key Features of Nabers Group Solo 401k

Nabers Group highlights several features that aim to give self-employed savers more flexibility and control over their retirement plan:

✅ Direct Account Control

You get direct check-writing authority over your Solo 401k. This setup lets you issue checks or send wire transfers directly from the account without waiting for custodian approval, which could help you act more quickly on opportunities.

✅ Broad Investment Choices

The plan supports almost any asset type, including real estate, private equity, and promissory notes. This flexibility goes beyond what many brokerage-only Solo 401k providers offer.

✅ Roth Solo 401k Option

In addition to pre-tax contributions, Nabers Group includes a Roth feature. This could allow you to allocate part of your savings for potential tax-free withdrawals in retirement.

✅ Participant Loan Feature

The plan permits loans of up to $50,000, subject to IRS rules. This option provides access to funds without triggering a taxable distribution, though it requires careful repayment.

✅ In-Service Distributions

You may take certain distributions while still contributing to the plan, a feature often reserved for larger employer 401k programs.

Who the Nabers Group Plan Could Suit

The Nabers Group Solo 401k may be worth considering if you:

✅ Want to maximize employee and employer contributions under IRS Section 402(g) and Section 415 limits
✅ Prefer direct control over where your retirement dollars go
✅ Are comfortable evaluating and managing alternative investments yourself
✅ Need plan features such as Roth accounts or participant loans, which are often unavailable with low-cost providers

Support and Educational Resources

In addition to the plan itself, Nabers Group provides educational support that may help account holders navigate the complexities of Solo 401k rules. This includes:

✅ Weekly webinars that cover compliance updates, investment strategies, and administrative requirements
✅ On-demand courses that explain contribution rules, distribution strategies, and filing responsibilities
✅ Access to plan experts by phone or email for questions about setup, IRS filings, or audit preparation

Nabers Group Solo 401k Pricing and Fees

Setup Fee and Ongoing Costs

✅ One-Time Setup – Nabers Group charges a $499 setup fee.
✅ Monthly Subscription – $29 per month (≈ $348 per year). This includes plan documents, updates, Form 5500-EZ prep, and ongoing support.
✅ No Extra Charges – No transaction fees, asset-based fees, or rollover costs.

How Nabers Group Compares

Provider	One-Time Fee	Ongoing Fee	Direct Account Control	Alternative Assets
Nabers Group	$499	$29 / month	✅ Yes	Real estate, crypto, notes, more
Fidelity	$0	$0	❌ No	Brokerage securities only
Schwab	$0	$0	❌ No	Brokerage securities only
Rocket Dollar Silver	$360	$30 / month	✅ Yes	Broad menu (similar to Nabers)
Rocket Dollar Gold	$600	$40 / month	✅ Yes	Same as Silver + premium support

Extra Services vs. Low-Cost Plans

✅ Nabers Group & Rocket Dollar both offer direct account control, IRS-approved plan documents, participant loan features, and Form 5500-EZ preparation. Nabers adds weekly webinars and on-demand training at no extra cost.

✅ Fidelity & Schwab have no setup or admin fees, but investors are limited to brokerage securities. Hard assets are not allowed, and account holders must handle compliance tasks (like Form 5500-EZ) on their own.

📝 Note: Nabers Group costs more than the free brokerage options but provides broader investment flexibility and hands-on compliance support. For self-employed savers who want self-direction and education, those features could justify the extra cost.

How to Open a Nabers Group Solo 401k

Eligibility Checklist

Before signing up, make sure your business qualifies:

✅ Self-employment income required – You must earn income from a trade or business. Part-time or full-time both qualify, and income can come from 1099 work, a Schedule C, or a corporation.

✅ No common-law employees – Your business cannot employ non-owner W-2 workers who work 1,000+ hours per year. A spouse who earns income from the business may also participate.

✅ Follows IRS one-participant 401k rules – Contribution limits, fiduciary responsibilities, and IRS reporting (such as Form 5500-EZ) apply the same way they do for any other Solo 401k.

Step-by-Step Sign-Up Process

Step 1: Complete the online application – Provide basic information about yourself and your business. This usually takes around 10 minutes.

Step 2: Receive plan documents – Nabers Group creates a customized plan and trust. Documents are uploaded to your secure dashboard the same day, often within two hours, for e-signature.

Step 3: Open a trust bank or brokerage account – You can use any U.S. bank or brokerage, or Nabers can connect you with a preferred partner for quick, fee-free setup.

Step 4: Fund your plan – Add money through rollovers from IRAs or former employer 401ks, or make new 2025 contributions. Nabers provides rollover packets to help streamline the transfer.

Step 5: Start investing – Once funds are in place, you gain direct account control and can issue checks or wires from the plan to purchase investments.

Typical Setup Timeline

Stage	Typical Duration*	Key Milestone
Online application	~10 minutes	Submit owner and business details
Document delivery	Same day (≤ 2 hrs)	Receive plan/trust PDFs for e-signature
Trust account setup	1–3 business days	Bank approves Solo 401k checking/brokerage
Rollover funding	3–7 business days†	Assets land in the new plan
Ready to invest	As soon as funds post	Checkbook control activated

Note: Timeframes are based on Nabers Group’s FAQ and setup-process guidance.

Conclusion: Is Nabers Group the Right Solo 401k for You?

Nabers Group focuses on flexibility and support. The plan emphasizes direct account control, a broad menu of investment options, and guidance on IRS compliance. In exchange, the provider charges both an upfront and ongoing fee.

Brokerages such as Fidelity or Schwab may be more cost-efficient if you plan to hold only traditional securities, but they limit access to alternative assets and place more responsibility on you for filings. Providers like Rocket Dollar offer a structure similar to Nabers Group at a different price point, with tiered service levels available.

Next steps you could consider:

A thoughtful comparison may help you decide whether Nabers Group’s higher cost aligns with the value you place on flexibility and compliance support.

📌 For more insights, explore these articles on Solo 401k providers and retirement planning strategies:

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