ROBS provider comparison

Nexus vs. IRA Financial

Both help founders fund a business with retirement savings. IRA Financial advertises a lower base price; Nexus delivers the more complete ROBS product with setup, ongoing obligations, a live dashboard, and dedicated concierge support together.

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Published by Nexus · Updated August 18, 2026

Quick rundown

Which provider is the better fit?

Choose Nexus when

You want a modern ROBS built to work for you

Purpose-built, tech-native ROBS plan for today's entrepreneur
Live dashboard plus dedicated concierge for setup and ongoing maintenance
All-inclusive flat pricing with corporate records, renewals, and filing service fees included

Consider IRA Financial when

You want cheaper pricing in exchange for more DIY

Core ROBS setup and annual plan administration
More ongoing work and provider coordination left to you
Freedom to choose outside providers for plan and corporate renewals

Side-by-side comparison

Nexus and IRA Financial at a glance

Comparison	Recommended for a modern workflowNexus	IRA Financial
Setup price	$5,000	$3,500
Ongoing price	$500 per quarter ($2,000 annualized)	$1,200/year ($1,000 first year through Aug. 31)
Product model	One ROBS setup + plan administration product	ROBS setup + optional plan administration
Setup scope	C-Corp + documents; plan + trust; rollover + stock issuance; first-year fidelity bond; cap table	C-Corp + documents; plan + trust; rollover assistance + stock-purchase documents
Ongoing scope	Form 5500 + testing; valuation records + fidelity bond renewal	Form 5500 + plan recordkeeping; testing appears to be client responsibility unless separately agreed
User experience	Live dashboard + dedicated concierge	Online application + phone, chat + email support
Business support	Cap table + ongoing incorporation services included (registered agent renewal + filing service fees)	Ongoing incorporation services sold separately ($99 for registered agent renewal + filing service fees)
Funding timing	Most plans: 2–3 weeks	No timeline published on reviewed ROBS pages

Confirm the price, promotion terms, state fees, and post-formation responsibilities directly with each provider.

What matters

Nexus is the stronger ROBS product; IRA Financial has the lower sticker price

IRA Financial has the lower base price

IRA Financial publishes a $4,700 standard first-year base, versus $7,000 for Nexus. That is a real price difference, but the two totals do not buy the same scope.

Nexus includes the operating layer

Nexus combines plan administration with fidelity bond renewal, cap table and valuation records, registered-agent renewal, filing service fees, the live dashboard, and dedicated concierge support. IRA Financial excludes the fidelity bond renewal, state fees, annual reports, and post-formation corporate renewals.

Compare what remains your responsibility

Ask IRA Financial to itemize the state filings, annual reports, corporate renewals, valuation work, third-party costs, and post-funding tasks you must coordinate yourself. Nexus organizes the ongoing work in one product with a dedicated concierge.

Right fit for you

Choose Nexus for the complete ROBS operating product. Choose IRA Financial only if lower sticker price is decisive.

Why Nexus wins

Broader scope and support in one product

Fast, tech-native setup with every next step in one dashboard.
Dedicated concierge for setup and ongoing maintenance.
Ongoing products and support for the lifecycle of a ROBS-funded business.

What to verify with IRA Financial

What the lower price leaves outside

Which corporate renewals and state filings you manage yourself.
What valuation, fidelity bond, and other third-party costs apply.
Who owns each ongoing task after funding.

Common questions

What is the all-in cost of Nexus compared with IRA Financial?

Nexus costs $7,000 in year one for the all-inclusive product. IRA Financial's published standard base totals $4,700, but excludes many core services, including the fidelity bond and corporate renewals after formation. IRA Financial does not publish sufficiently detailed pricing to calculate an exact like-for-like total.

What does Nexus include that IRA Financial excludes?

Nexus explicitly includes fidelity bond renewal, cap table and valuation records, registered-agent renewal, and filing service fees. IRA Financial's published agreement says state fees, annual reports, and corporate renewals after formation are outside its standard ROBS engagement.

How is the Nexus customer experience different?

Nexus keeps setup, compliance, documents, deadlines, renewals, and next actions in one live dashboard with a dedicated concierge. IRA Financial offers an online flow with phone and chat support. Ask IRA Financial to demonstrate how documents, handoffs, deadlines, and post-funding responsibilities work in practice.

Which provider is faster?

Most Nexus plans move from intake to funded in 2–3 weeks. IRA Financial does not publish a specific end-to-end funding timeline. Ask IRA Financial for a current written estimate based on your corporation, custodian, bank, and transaction.

When might IRA Financial be the better fit?

IRA Financial may fit if the lowest published base price is your overriding priority and you are comfortable coordinating excluded plan and corporate responsibilities separately. Before choosing, ask for an itemized list of every ongoing responsibility and third-party cost.

Sources: Nexus pricing, How Nexus works, IRA Financial ROBS, IRA Financial ROBS agreement, and IRA Financial fee schedule (2026).

This comparison is published by Nexus. Verify current terms and the scope of your engagement directly with each provider before choosing.

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