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Solo 401(k)
The Retirement Plan Built for the Self-Employed
Retirement savings designed for business owners
If you’re self-employed, you don’t have to settle for a basic IRA. A Solo 401(k) offers significantly higher contribution limits and the flexibility to invest in alternative assets, giving you more room to build your retirement on your terms.
Higher Contribution Limits
Alternative Asset Access
Invest in real estate, crypto, private equity, precious metals, and more, not just stocks and bonds.
Roth Option Available
Make designated Roth contributions for tax-free growth and potentially tax-free qualified withdrawals.
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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.
Low, Transparent Fees
No hidden charges. You’ll always know exactly what you’re paying.
Choose Traditional or Roth Contributions
A Solo 401(k) can be designed to accept pre-tax contributions, Roth contributions, or both, depending on the plan.
Expert Support
Real retirement specialists available to help you set up and manage your plan.
Loan Feature Available
Eligible Solo 401(k) plans may allow you to borrow from your account, subject to IRS rules and plan terms.
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How to open your Retired.com Solo 401(k)
Strategies
Your retirement 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
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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.
*Based on assets under custody across all retired.com consumer brands as of 05/18/2026.
**Review and rating count is aggregated across public review platforms and app stores for all Retired.com consumer brands. Average platform rating is calculated as the average of displayed ratings and not weighted by review or rating count.
Reviews and media mentions listed on this page include those across all Retired.com consumer brands.
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