COMING SOON
Solo 401(k)
The Retirement Plan Built for the Self-Employed
Maximize your retirement contributions and invest in alternative assets. A Solo 401(k) from Retired.com is designed for self-employed individuals and small business owners with no full-time employees.
★★★★★
COMING SOON
Open Your Solo 401(k) in Minutes
1. Open an Account
Sign up online and establish your Solo 401(k) plan. Fully digital with secure identity verification.
2. Fund Your Account
Roll over an existing retirement account or make new contributions. Traditional and Roth contribution options available.
3. Choose Your Investments
Invest in the alternative assets that align with your goals. Our specialists are available to guide you.
Top Benefits of Retired.com’s Solo 401(k)
Maximize Contributions
Take advantage of both employee deferrals and employer profit-sharing contributions for the highest possible retirement savings.
Expert Support
Real retirement specialists available to help you set up and manage your plan. Not bots, not FAQs.
Loan Feature Available
Eligible Solo 401(k) plans may allow you to borrow from your account, subject to IRS rules and plan terms.
Low, Transparent Fees
No hidden charges. You’ll always know exactly what you’re paying.
Ways to Fund Your Solo 401(k)
Strategies
Your Solo 401(k) Blueprint, for Free
Want to understand contribution limits, Roth options, and how a Solo 401(k) compares to a SEP IRA? Explore our resource center for guides and strategies built for business owners.
Learn Before You Invest with Retired.com’s Solo 401(k) Articles
The latest insights on Solo 401(k) plans, contribution strategies, and best practices for self-employed investors.
What Is Blockchain Technology? A Plain-English Guide for Investors
6
min
/
/
Chris Kline
Jul 29, 2026
Mid-Year Retirement Check-In: Are You on Track for Retirement?
11
min
/
/
Chris Kline
Jul 29, 2026
Dividend Investing for Pre-Retirees: Building Income Before You Retire
7
min
/
/
Chris Kline
Jul 29, 2026
Roth IRA vs. Brokerage Account: Where Should You Hold Your Stocks?
12
min
/
/
Chris Kline
Jul 23, 2026
Crypto Retirement Diversification: What Pre-Retirees Should Know
8
min
/
/
Chris Kline
Jul 22, 2026
What is a Self-Directed IRA? Everything You Should Know About This Account
10
min
/
/
Chris Kline
May 19, 2026
Featured in
Frequently Asked Questions
What is a Solo 401(k)?
A Solo 401(k), also known as an Individual 401(k), is a retirement plan designed for self-employed individuals and business owners with no full-time employees other than a spouse. It offers the same tax advantages as a standard 401(k) but with the added flexibility of alternative asset investing and higher contribution limits.
Who is eligible for a Solo 401(k)?
You’re eligible if you’re self-employed or own a business with no full-time employees other than your spouse. This includes freelancers, independent contractors, sole proprietors, and single-member LLCs.
What are the contribution limits?
Solo 401(k) plans allow both employee deferrals and employer profit-sharing contributions. Combined limits are significantly higher than IRA limits. Specific annual limits are set by the IRS and may change year to year. Our specialists can help you understand the current limits and how they apply to your situation.
Can I make Roth contributions to a Solo 401(k)?
Yes. Retired.com’s Solo 401(k) plan allows designated Roth contributions. This means you can contribute after-tax dollars and enjoy tax-free growth and potentially tax-free qualified withdrawals.
What can I invest in with a Solo 401(k)?
With Retired.com, your Solo 401(k) can invest in a broad range of alternative assets, including real estate, cryptocurrency, precious metals, private equity, and more.
Can I roll over my existing 401(k) into a Solo 401(k)?
Yes. Funds from a 401(k), 403(b), or IRA can typically be rolled over into a Solo 401(k) without triggering taxes or penalties. Our team handles the paperwork and guides you through the process.
What fees are associated with a Solo 401(k)?
Retired.com charges transparent fees for plan administration. There are no hidden charges. Full fee details are provided before you commit, so you know exactly what you’re paying.
Your Future Starts Now. Let’s Build It Together.
Your business works hard. Your retirement plan can too.
