Rocket Dollar vs Ubiquity Solo 401k (2026)
A comprehensive comparison to help you choose between Rocket Dollar Solo 401k and Ubiquity Solo 401k
Rocket Dollar
Rocket Dollar provides a polished digital experience and excellent support for real estate investors, but comes at a premium price.
Visit Rocket DollarUbiquity
Ubiquity offers a compliance-focused Solo 401k with professional oversight and the lowest entry cost, ideal for those who may eventually hire employees.
Visit UbiquityChoosing between Rocket Dollar and Ubiquity for your Solo 401k reveals a fundamental question about how you want to manage your retirement investments. These two providers represent distinctly different philosophies: Rocket Dollar embraces the self-directed investor who wants maximum control and alternative asset access, while Ubiquity offers a compliance-first approach with professional oversight that can grow alongside your business.
Rocket Dollar has carved out a niche as the crypto-native challenger in the Solo 401k space. Their modern dashboard and seamless Gemini integration make them particularly attractive to investors who want exposure to cryptocurrency and real estate within their retirement accounts. With checkbook control included at every tier, you get immediate access to alternative investments without jumping through additional hoops. The trade-off is a higher price point at $1,080 for your first year.
Ubiquity takes a fundamentally different approach as a traditional TPA and recordkeeper that has expanded into the Solo 401k market. Their 3(38) fiduciary oversight provides an extra layer of compliance protection that self-directed investors might not realize they need until audit season arrives. At $657 for your first year, Ubiquity offers meaningful cost savings, though their base plan restricts some features that Rocket Dollar includes standard.
The decision ultimately comes down to your investment strategy and risk tolerance. Active alternative asset investors will likely find Rocket Dollar's included features worth the premium. Those prioritizing compliance documentation and potential business growth may prefer Ubiquity's institutional infrastructure.
Our Rating
Rocket Dollar has a higher rating based on our comprehensive review.
Pricing Comparison
| Fee Type | Rocket Dollar | Ubiquity |
|---|---|---|
| Setup Fee | $360-600 | $285-350 |
| Annual Fee | $360-480 | $228-450 |
| Monthly Fee | $30-40 | $19-37.50 |
| First Year Total | $720-1,080 | $513-800 |
Long-Term Cost Analysis
See how costs add up over time
| Time Period | Rocket Dollar | Ubiquity | Difference |
|---|---|---|---|
| 1 Year | $1,080 | $657 | +$423 |
| 3 Years | $2,040 | $1,335 | +$705 |
| 5 Years | $3,000 | $2,013 | +$987 |
| 10 Years | $5,400 | $3,708 | +$1,692 |
Green highlighting indicates the lower-cost option for each period.
Feature Comparison
| Feature | Rocket Dollar | Ubiquity |
|---|---|---|
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
- Modern, user-friendly online dashboard
- Trust checking account with unlimited transactions
- Strong expertise in real estate investments
- Concierge onboarding support
- Multi-account discounts for families/businesses
Cons
- Higher total costs than competitors
- Monthly fee structure adds up over time
- Domestic investments only (no international)
Pros
- Lowest setup fee among non-prototype providers
- Functions as both TPA and recordkeeper
- Professional 3(38) investment oversight
- No AUM fees
- Transparent, flat-fee pricing
- Good for growth into traditional 401k with employees
Cons
- Checkbook control only in Plus tier
- Limited to CensiblyYours fund list (base tier)
- Loan fees apply ($100 setup + $100/year)
User Sentiment
Rocket Dollar
Mixed rating. While the interface is modern, there is a persistent thread of negative reviews regarding Silver tier support responsiveness. Users often feel forced to upgrade to Gold to get timely answers. Dependence on email support rather than open phone lines or webinars is a friction point.
Ubiquity
Rates highly (4/5) for "Peace of Mind." The fact that a third-party administrator is keeping the books provides a compliance safety net that self-administered plans lack. However, the nickel-and-diming on loan fees and monthly billing model are detractors.
Our Verdict
For most self-directed investors focused on alternative assets, Rocket Dollar delivers better overall value despite the higher sticker price. The included checkbook control, modern interface, and native cryptocurrency integration eliminate friction that Ubiquity charges extra for or restricts to higher tiers. If you opened a Solo 401k specifically to invest in crypto, real estate, or private equity, Rocket Dollar's platform was built for exactly that purpose.
However, Ubiquity wins decisively for business owners who anticipate hiring employees or who prioritize compliance documentation above all else. Their background as a professional recordkeeper means your plan benefits from institutional-grade oversight, and their scalable architecture allows a seamless transition to a traditional 401k if your solo venture grows into an employer. The $423 first-year savings also matters for newer businesses watching every expense.
Neither provider is objectively superior. Rocket Dollar excels at empowering hands-on investors with modern tools and alternative asset access. Ubiquity excels at protecting investors from themselves with professional compliance infrastructure. Your choice should reflect whether you value autonomy or oversight more highly in managing your retirement funds.
Which Provider is Right for You?
Choose Rocket Dollar if:
Choose Rocket Dollar if you plan to actively invest in cryptocurrency, real estate, or other alternative assets. Their included checkbook control, Gemini integration, and modern dashboard make self-directed investing straightforward. Ideal for tech-savvy investors who want maximum flexibility without paying extra for essential features.
Choose Ubiquity if:
Choose Ubiquity if you value professional compliance oversight or might eventually hire employees. Their TPA background provides institutional-grade recordkeeping at a lower price point. Best for business owners who want a Solo 401k that can scale into a full employer plan without switching providers.