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Online access to your self-direct retirement account!
Open a self-directed traditional or roth IRA or 401(k) with the help of Retire Happy, LLC.
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INVESTMENT FREEDOM with the same tax advantages of an IRA, that’s the quick definition of a Self-Directed IRA. Common investments using a self-directed IRA include real estate, gold and silver, limited liability companies, mortgage notes and other precious metals. The self-directed IRA custodian we use is Provident Trust Group, LLC.

Self DirectedSOLO 401(k)

If the employees of your company consist of no one other than yourself and possibly, your spouse, then a Solo 401k, also known as an Individual(k) plan, has been specifically designed just for you. Assuming you plan to maintain this strict limit on employees in the future.

Solo 401(k) 1 participant application form.
Solo 401(k) 2 participants application form.

Self DirectedTraditional IRA

A Traditional IRA is one of the most common retirement savings accounts; it allows you to take a tax deduction for the contributions you make into the account each year (as long as they meet the government guidelines). The investment income gained on a Traditional IRA account as it grows is also excluded from your taxable income. No taxes are paid on the funds in the account until they are withdrawn from the account.

Traditional IRA application form.

Self DirectedRoth IRA

A Roth IRA differs from a Traditional IRA in that you fund a Roth retirement account with after-tax dollars, meaning you’ve already paid taxes on the money you put into it. In return for no up-front tax break, your money grows and grows tax free, and when you withdraw at retirement, you pay no taxes.

Roth IRA application form.

Self DirectedSEP IRA

If you’re looking for a very simple and inexpensive retirement plan to administer that will allow large tax deductible contributions, the SEP IRA (or Simplified Employee Pension) is a great option for a self-employed individual or a small business. The rules governing a SEP plan are not as complicated as a 401(k), yet, contributions to a SEP are tax deductible, and earnings within the account are tax free until withdrawal, just like a 401(k).

SEP IRA application form.

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  • 401(k)
  • Additional Participants Limited to Spouse (If Employed by the Company)
  • 5500 Filing if Asset(s) Value over 250k (Fee of $325.00 Applies)
  • Employer Contributions of $50,000.00
  • Employee Deferrals of $17,500.00
  • Catch up Contributions of $5,500.00
  • Established by 12/31
  • Loans up to 50% of Cash Value up to 50k)s
  • Traditional IRA
  • Tax Deferred
  • Saver’s Tax Credit for Contributions
  • Contributions deductible in certain scenarios (Under MAGI Limits)
  • Can fund via Qualified Employer Plan rollovers
  • Tax‐Free Earnings
  • Restrictions on Contribution Eligibility
  • Rollover Restrictions
  • Employer Sponsored Retirement Plan
  • No government reporting
  • Employer can receive deductions for contributions
  • Possible Employer Tax Credit
  • 100 Employee limit
  • Allows employee deferral contributions
  • Allows Catch‐up Contributions