For the Self-Employed

    The Solo 401(k) Plan

    Maximize your retirement savings with the most powerful retirement plan available for self-employed individuals and small business owners with no full-time employees.

    Discuss Solo 401(k) Calculate Contributions

    Why Choose a Solo 401(k)?

    If you qualify, the Solo 401(k) offers higher contribution limits and more flexibility than a SEP IRA or SIMPLE IRA. It is specifically designed for owner-only businesses, allowing you to maximize your tax-advantaged savings while maintaining complete control over your investments.

    Get Started

    Unmatched Benefits

    Massive Contribution Limits

    Contribute up to $72,000 in 2026 (or $80,000 if age 50+). You can contribute as both the employee (salary deferral) and the employer (profit sharing).

    Checkbook Control

    Act as your own trustee. Invest in real estate, crypto, precious metals, and private equity directly from your plan's trust checking account without custodian fees or delays.

    Tax-Free Loan Option

    The Solo 401(k) allows you to borrow up to $50,000 or 50% of your account value for any purpose, penalty-free. You pay the interest back into your own retirement account.

    Roth Contributions

    Unlike a SEP IRA, a Solo 401(k) includes a built-in Roth option, allowing you to make after-tax contributions that grow completely tax-free.

    Do You Qualify?

    To qualify for a Solo 401(k), you must meet two simple requirements:

    • Self-Employment Income: You must have a legitimate business activity (sole proprietorship, LLC, C-Corp, S-Corp, or partnership) that generates earned income.
    • No Full-Time Employees: You cannot have any full-time W-2 employees (working more than 1,000 hours per year) other than yourself and your spouse.

    If you meet these requirements, the Solo 401(k) is widely considered the best retirement plan option available.

    Ready to set up your plan?

    Schedule a consultation to confirm your eligibility and begin drafting your custom Solo 401(k) trust documents.

    1-800-936-0872