--- title: "Rocket Dollar Review 2026: Self-Directed IRA and Solo 401(k) Fees, an Affiliated Custodian and What You Are Responsible For" url: https://altstreet.investments/platforms/reviews/rocket-dollar kind: platform-review updated: 2026-10-27 description: "Rocket Dollar review 2026: self-directed IRA and Solo 401(k) prices across its own pages, the 2024 sale to the parent of its custodian Digital Trust, an account-by-account cost table, checkbook IRA risks, custody and bank migrations, and what the account holder is responsible for." publisher: AltStreet (https://altstreet.investments) license: Public factual pages may be read, quoted and cited with attribution and a link. Bulk redistribution is not permitted. --- # Rocket Dollar Review 2026: Self-Directed IRA and Solo 401(k) Fees, an Affiliated Custodian and What You Are Responsible For Rocket Dollar sells self-directed IRA and Solo 401(k) accounts for a setup fee and a monthly subscription, so savers can put retirement money into real estate, private funds, startups, notes, crypto and other assets they choose themselves. It is the account administrator, not the custodian: Digital Trust, LLC holds the IRAs, partner banks hold checkbook cash, and the customer picks, executes, values and keeps compliant every investment. Since March 2024 Rocket Dollar and Digital Trust have been under common ownership, a fact disclosed in Rocket Dollar's privacy notice and its broker-dealer's audited filings but not highlighted on the pages where customers choose a plan. AltStreet score: 35.5 (D+), scored October 27, 2026. Method: https://altstreet.investments/platforms | Field | Value | | --- | --- | | Platform | Rocket Dollar | | What it is | Self-Directed IRA and Solo 401(k) Account Administrator (custody by affiliated Nevada trust company Digital Trust, LLC) | | Asset class | Retirement account infrastructure: self-directed IRAs (direct custody and checkbook IRA trusts or LLCs) and self-trusteed Solo 401(k)s investing in alternative assets the account holder selects | | Website | rocketdollar.com | | Review first published | October 27, 2026 | | Last updated | October 27, 2026 | | AltStreet relationship | None: no affiliate, sponsorship or partnership | ## The short version Rocket Dollar, founded in Austin in 2018, sells the account wrapper for alternative investments in retirement money. A customer pays a setup fee and a monthly subscription and chooses one of three set-ups: a direct custody IRA, where the custodian reviews and holds each investment; a checkbook IRA, where the IRA owns a trust (or, for pre-2024 accounts, an LLC) whose bank account the customer controls and wires from without custodian sign-off; or a Solo 401(k) for the self-employed, where the customer is the trustee and cash sits in a plan bank account. Rocket Dollar does not choose, review or hold investments: Digital Trust, LLC, a Nevada trust company, is the custodian of the IRAs, banks hold the checkbook cash, and the customer values assets each year for IRS reporting, avoids prohibited transactions and handles any crypto keys. The pricing page lists $360 to $900 to open and $30 to $50 a month, and prices the Solo 401(k) two different ways on the same page; Digital Trust's own charges apply to IRA accounts in certain situations. Three findings stand out. Rocket Dollar was sold to WAO Fintech, LLC on March 18, 2024, and Digital Trust is a WAO affiliate, a fact disclosed in the privacy notice and the broker-dealer's audit but not highlighted on the product pages or the custodian announcement. Several documented custody and bank migrations since 2023 have affected different account types, and BBB complaints allege disruption. And the site's prices, wire terms and refund window differ from page to page. No enforcement actions or lawsuits naming Rocket Dollar were located in the stated searches; AltStreet did not open an account. - **$360 to $900** Setup fees on the current pricing page (Silver $360, Gold $600, Platinum $900), with $30, $40 or $50 a month. The same page prices the Solo 401(k) both under Platinum ($900 and $50) and in a 'Checkbook IRA/Solo 401(k)' table ($600 and $40); which applies is unresolved. Older pages show $15 to $30 a month. - **Mar 2024** Rocket Dollar's broker-dealer audit: 'On March 18, 2024, Rocket Dollar Inc. was acquired by WAO Fintech, LLC.' Rocket Dollar's privacy notice lists Digital Trust, LLC, its custodian, among its affiliates under common ownership or control. - **You** Who is responsible in a checkbook IRA or Solo 401(k): the customer picks and wires investments without a custodian review, self-reports their value each year ('your IRA may be closed and distributed for noncompliance'), and bears prohibited-transaction risk. - **Several** Documented custody and banking migrations since 2023, each affecting a different account type: direct custody IRAs from AET and IRA Resources to Digital Trust, IRA LLC bank accounts from Solera to Digital Trust's bank partner, trust and plan accounts from BankUnited to Grasshopper, and crypto investors to Titan Bank. - **$35 + $300** Examples from Digital Trust's own fee schedule for IRA accounts, charged 'in addition to any applicable asset custody or platform fees' and, per Rocket Dollar's pricing FAQ, 'in certain situations': $35 per outgoing wire, $300 to close an account fully, $75 per asset to re-register. Rocket Dollar's own schedule lists a $50 termination fee, and some pages say 'No asset or transaction fees'. - **FY2021** The last public financial statements, historical context only: revenue $1,379,482 and a net loss of $2,182,531 in 2021. Rocket Dollar stopped Regulation Crowdfunding reporting in May 2022, so its current finances are private. Data note: Prices from rocketdollar.com/pricing as displayed October 27, 2026, which prices the Solo 401(k) two ways; the fee schedule PDF and the migration and in-kind pages carry other figures, some of which may be historical or grandfathered terms. Cost arithmetic is AltStreet's, from list prices; no account was opened. Ownership facts from Rocket Dollar Capital, LLC's audited statement for 2025 (filed March 31, 2026) and Rocket Dollar's privacy notice (February 11, 2025). Financials from Rocket Dollar, Inc.'s Form C-AR filings. ## Key figures | Figure | What it is | Context | | --- | --- | --- | | Mar 2024 | Customers choosing Rocket Dollar are also choosing its affiliated custodian and that custodian's fees. | Rocket Dollar was sold to WAO Fintech, and its custodian, Digital Trust, is a WAO affiliate. Disclosed in the privacy notice and the broker-dealer's filings; not highlighted on the pricing page or the custodian announcement, which calls Digital Trust a 'new partner'. | | You | The customer values every asset each year, avoids prohibited transactions and, in checkbook accounts, executes every deal without review. | Rocket Dollar disclaims advice and fiduciary status. | | $15 to $50 | Monthly subscription prices for the same plans across Rocket Dollar's own pages; the pricing page shows $30, $40 and $50, and prices the Solo 401(k) at both $50 and $40. | Refund window, wire terms and termination fees also differ between pages; Digital Trust's charges apply to IRAs in certain situations. | | 0 | Enforcement actions or lawsuits naming Rocket Dollar located in the stated searches. | BBB rates it B-; three complaints allege problems after bank changes and a delayed rollover. | ## Verdict Rocket Dollar sells the account wrapper for alternative investments in retirement money, and its help center is candid that in a checkbook account no one but the customer reviews deals, values assets or watches for prohibited transactions. AltStreet did not open an account, so it cannot say how the service performs; the claims of speed and satisfied customers are Rocket Dollar's. The weaker parts are disclosure and continuity: Rocket Dollar was sold in March 2024 to the group that owns its 'exclusive custodian', a fact disclosed in its privacy notice and SEC filings but not highlighted on the pages where customers choose a plan; its prices differ across its own pages, with the Solo 401(k) priced two ways on one page; and several migrations have moved different account types between custodians and banks, with BBB complaints alleging disruption. It suits experienced investors with large balances and a tax adviser; it is costly for small accounts and leaves first-time investors without any review of what they buy. **Best for** - Experienced self-directed investors with substantial balances who want checkbook control, have a tax adviser, and have confirmed current fees and the custodian arrangement in writing. **Look elsewhere if** - You want advice or someone to review deals. - Your balance is small. - You want public securities in the same account. **Strengths** - Checkbook IRA and Solo 401(k) control without custodian sign-off on each deal (as described by Rocket Dollar). - Flat subscription with no asset-based fee. - Detailed help-center guidance on valuation, prohibited transactions, UBTI and UDFI. - No enforcement actions or lawsuits naming Rocket Dollar located in the stated searches. **Limitations** - Custodian is an affiliate under common ownership since March 2024, disclosed in the privacy notice and SEC filings but not on the pricing or announcement pages. - Prices (two for the Solo 401(k) on one page), wire terms, termination fees and the refund window differ across Rocket Dollar's pages. - Several custody and bank migrations since 2023 affecting different account types, with BBB complaints alleging disruption. - No public financial statements after 2021 (historical figures only); partner payments undisclosed; the prohibited-transactions FAQ link is broken. ## Who it fits | Investor | Fit | Why | | --- | --- | --- | | Experienced self-directed investors with large balances who want checkbook control and have a tax adviser | well-suited | | | Self-employed investors wanting a self-directed Solo 401(k) | neutral | | | First-time alternative investors or small balances | poor-fit | | | Investors who want a second check on each deal | neutral | | ## Questions **How does Rocket Dollar work?** You open a self-directed IRA or Solo 401(k) online and pay a setup fee and a monthly subscription. A direct custody IRA has Digital Trust review and hold each investment; a checkbook IRA or Solo 401(k) gives you a bank account you control, so you wire money to investments yourself. You choose the investments, report their value each year and are responsible for following IRS rules. **How much does Rocket Dollar cost?** The pricing page lists Silver at $360 to open and $30 a month, Gold at $600 and $40, and Platinum at $900 and $50, with discounts for extra accounts; the same page also prices a 'Checkbook IRA/Solo 401(k)' at $600 and $40, so the Solo 401(k) price is unresolved. Wires cost $10 to $35, and for IRAs Digital Trust charges its own fees in certain situations, including $300 to close an account fully. Older pages show lower monthly prices, so confirm the current schedule in writing. **Who is Rocket Dollar's custodian?** Digital Trust, LLC, a Nevada trust company. Rocket Dollar's privacy notice lists Digital Trust among its affiliates, and its broker-dealer's audited filings record that Rocket Dollar was sold to WAO Fintech, LLC in March 2024, the group Digital Trust belongs to. Earlier custodians were American Estate & Trust and IRA Resources, with Solera, BankUnited and now Grasshopper Bank holding checkbook cash. **Is Rocket Dollar legit?** Yes, it is an established account administrator; AltStreet located no enforcement actions or lawsuits naming it in the searches it ran. BBB rates it B-, with complaints about bank changes and a delayed rollover. It is not a custodian, adviser or fiduciary; its custodian, Digital Trust, is an affiliate under common ownership, which its privacy notice and SEC filings disclose and its pricing pages do not mention. AltStreet did not open an account. **What is a checkbook IRA, and what are the risks?** Your IRA owns a trust or LLC with its own bank account that you manage, so you can invest without custodian approval. The risk is that no one else checks the deal or the rules: a prohibited transaction, such as a deal with a disqualified person (your spouse, parents, children and their spouses, and certain entities, not every relative) or doing your own repairs on an IRA property, disqualifies the whole IRA under the tax code; separately, you must value the assets yourself each year, and the custodian can close and distribute an account whose owner will not. **Rocket Dollar or Alto IRA?** Alto runs its own trust company, offers a curated marketplace and charges by invested capital; it does not offer checkbook IRAs. Rocket Dollar offers checkbook IRAs and a Solo 401(k) at flat fees, with IRA custody at its affiliate Digital Trust. Choose by whether you want checkbook control and how large your account is. ## Evidence appendix Platform website captured October 27, 2026. 126 rocketdollar.com pages, 188 help-center articles, Rocket Dollar's fee schedule and privacy notice PDFs, Digital Trust's fee page; Rocket Dollar, Inc.'s Form D and Regulation Crowdfunding filings; Rocket Dollar Capital, LLC's audited statements for 2023 to 2025; IAPD, BrokerCheck, Nevada FID, CourtListener, CFPB, BBB and Trustpilot. **Highlights** - Broker-dealer audit: 'On March 18, 2024, Rocket Dollar Inc. was acquired by WAO Fintech, LLC.' - Privacy notice: 'Our affiliates include WAO Fintech, LLC dba retired.com, Digital Trust, LLC, Alternative IRA Services, LLC dba BitcoinIRA'. - Help center: 'If a customer is not cooperating, your IRA may be closed and distributed for noncompliance.' - Migration page: 'Silver pricing will remain at $15 a month and Gold account monthly fees will remain at $30 a month.' - Digital Trust fees: 'These fees are charged in addition to any applicable asset custody or platform fees.' **Primary source pages** - rocketdollar.com/pricing: Silver, Gold and Platinum prices; custodian fee FAQ; refund policy; wire fees. - rocketdollar.com/rocket-dollar-partnership-with-digital-trust: custodian and bank migration; '$15' and '$30' pricing statements. - Rocket Dollar privacy notice PDF (February 11, 2025): affiliates including WAO Fintech, Digital Trust and BitcoinIRA. - Rocket Dollar fee schedule PDF (February 2025) and digitaltrust.com/fees (November 2025). - learn.rocketdollar.com: valuation, prohibited transactions, UBTI, UDFI, crypto custody, checkbook mechanics, leaving Rocket Dollar. - Rocket Dollar Capital, LLC audited statements (2023 to 2025): March 18, 2024 sale to WAO Fintech; Digital Trust as affiliate. - Rocket Dollar, Inc. Form C-AR for fiscal 2019 to 2021 and Form D notices (2019 to 2021). ## Related - Full review (HTML): https://altstreet.investments/platforms/reviews/rocket-dollar - Every platform review: https://altstreet.investments/platforms/reviews - Methodology and scoring: https://altstreet.investments/platforms - Category hub: https://altstreet.investments/categories/private-equity-private-markets --- Source page: https://altstreet.investments/platforms/reviews/rocket-dollar Machine index: https://altstreet.investments/llms.txt AltStreet reads what platforms, funds and issuers file with the SEC and what they tell investors, and publishes the difference. Figures are as filed or as captured on the date stated; nothing here is investment advice.