MySolo401k vs Nabers Group Solo 401k (2026)
A comprehensive comparison to help you choose between MySolo401k and Nabers Group Solo 401k
MySolo401k
MySolo401k offers the most cost-effective non-prototype Solo 401k with full features, checkbook control, and the flexibility to invest with any brokerage.
Visit MySolo401kNabers Group
Nabers Group brings 18+ years of experience and SEC-registered advisory services to their Solo 401k offering, with strong educational resources.
Visit Nabers GroupWhen comparing MySolo401k vs Nabers Group for your solo 401k, you're evaluating two well-established non-prototype plan providers that have each carved out distinct positions in the self-directed retirement market. Both companies offer the advanced features that serious solo 401k investors demand—checkbook control, alternative investment access, and Roth options—but they approach the market with fundamentally different philosophies.
MySolo401k has positioned itself as the market standard for self-directed solo 401k plans, building a reputation around cost efficiency and community support. With a $525 setup fee and just $125 annually, they offer one of the most economical paths to a full-featured non-prototype plan. Their daily office hours and active user community create an ecosystem where plan holders can learn from each other and get questions answered quickly. The platform supports Mega Backdoor Roth contributions, participant loans, and works with virtually any brokerage—giving you maximum flexibility in how you structure your retirement investments.
Nabers Group brings a different value proposition as the liberty-focused veteran in this space. With over 18 years of experience, they've built their practice around investors who prioritize financial sovereignty and privacy. As an SEC-registered investment advisory, Nabers Group can provide investment guidance that most solo 401k administrators cannot legally offer. This distinction matters significantly if you're navigating complex alternative investments like precious metals IRAs or cold-storage cryptocurrency. Their instant document preparation streamlines the setup process, though the $499 setup and $348 annual fee ($29 monthly) results in higher ongoing costs.
Our Rating
MySolo401k has a higher rating based on our comprehensive review.
Pricing Comparison
| Fee Type | MySolo401k | Nabers Group |
|---|---|---|
| Setup Fee | $525 | $499 |
| Annual Fee | $125 | $348 |
| Monthly Fee | N/A | $29 |
| First Year Total | $650 | $847 |
Long-Term Cost Analysis
See how costs add up over time
| Time Period | MySolo401k | Nabers Group | Difference |
|---|---|---|---|
| 1 Year | $650 | $847 | -$197 |
| 3 Years | $900 | $1,543 | -$643 |
| 5 Years | $1,150 | $2,239 | -$1,089 |
| 10 Years | $1,775 | $3,979 | -$2,204 |
Green highlighting indicates the lower-cost option for each period.
Feature Comparison
| Feature | MySolo401k | Nabers Group |
|---|---|---|
Roth Contributions After-tax contributions with tax-free growth | ||
Participant Loans Borrow up to $50,000 from your plan | ||
After-Tax (Mega Backdoor) Contribute beyond standard limits | ||
Alternative Investments Real estate, crypto, private equity | ||
Checkbook Control Direct investment management |
Pros and Cons
Pros
- Lowest annual fee among full-service non-prototype providers ($125/year)
- IRS-approved plan documents
- Full checkbook control with trust account
- Wide range of alternative investments (real estate, crypto, private equity)
- Supports Mega Backdoor Roth strategy
- Can connect to any brokerage (Fidelity, Schwab, etc.)
- Includes IRS audit support at no extra cost
Cons
- Higher upfront setup fee ($525)
- Requires more self-management than prototype plans
Pros
- In business since 2006 with proven track record
- SEC registered investment advisory firm
- Instant document preparation for loans and Form 5500-EZ
- Educational resources and community
- Investment in virtually any asset class
- Expert guidance on alternative investments
Cons
- Higher annual cost than MySolo401k
- Monthly fee structure
User Sentiment
MySolo401k
Receives the highest rating in the unbundled document provider category. Users specifically cite "Daily Office Hours" webinars and active community forums as standout support features. Users feel supported in complex compliance matters.
Nabers Group
Rated 3/5. The long tenure commands respect, and educational content is deep. However, the user experience is described as less "slick" than Rocket Dollar or Carry, and the community aspect is less vibrant than MySolo401k.
Our Verdict
For most self-employed individuals seeking a non-prototype solo 401k, MySolo401k represents the stronger overall value. The $197 annual savings compared to Nabers Group compounds meaningfully over a multi-decade retirement horizon, and their community-driven support model provides practical help when you need it. If you're comfortable managing your own investment decisions and want maximum brokerage flexibility at minimum cost, MySolo401k delivers exactly that.
However, the calculus shifts if you specifically need investment advisory services or plan to focus heavily on alternative assets like physical gold or self-custodied cryptocurrency. Nabers Group's SEC registration allows them to provide guidance that MySolo401k simply cannot offer, and their deep experience with sovereignty-minded investors means they understand the nuances of these strategies. The higher annual cost essentially buys you access to professional investment advice within a retirement plan context.
The deciding factor often comes down to your investment philosophy. Active, self-directed investors who want to minimize fees and enjoy community learning will thrive with MySolo401k. Those who want a trusted advisor relationship and specialize in alternative assets that benefit from expert guidance will find Nabers Group's premium worthwhile. Both providers deliver legitimate, compliant non-prototype plans—the right choice depends entirely on how you prefer to invest.
Which Provider is Right for You?
Choose MySolo401k if:
Choose MySolo401k if you're a confident self-directed investor who values low fees and community support. It's ideal for those comfortable making their own investment decisions, wanting brokerage flexibility, and seeking the most cost-effective path to advanced features like Mega Backdoor Roth and checkbook control. Best for hands-on investors who learn well from peers.
Choose Nabers Group if:
Choose Nabers Group if you want SEC-registered investment advisory services alongside your solo 401k administration. It's the stronger choice for investors focused on precious metals, cold-storage crypto, or other alternative assets where professional guidance adds value. Best for privacy-conscious investors who prefer a trusted advisor relationship over community-based support.