Agree with @venturion that a Solo 401(k) could resolve UBTI issue and custodian issue.
This only works if you actually qualify for it, but it’s fantastic since you get a much larger contribution limit ($18K vs $6K if you’re under 50), more if you own a business and use it to contribute, and some other benefits.
Even without the UBTI/UDFI issue, you’d still lose out on the tax deductions.
Go with what works for your specific situation.
