Retirement Plans for Entrepreneurs & First Responders
Retirement Plans for Entrepreneurs & First Responders
Smart Money Solutions for Entrepreneurs & First Responders to build wealth, invest wisely, and secure their future.
Retirement Plans for Entrepreneurs & First Responders
Smart Money Solutions for Entrepreneurs & First Responders to build wealth, invest wisely, and secure their future.
Retirement Plans for Entrepreneurs & First Responders
Smart Money Solutions for Entrepreneurs & First Responders to build wealth, invest wisely, and secure their future.
Self-directed investing options
Higher contribution limits
Loan provisions available
Self-directed investing options
Higher contribution limits
Loan provisions available
Self-directed investing options
Higher contribution limits
Loan provisions available
Our Comprehensive Services
Tailored financial solutions for entrepreneurs, First Responders, and small business owners
Why Choose a Solo 401(k)?
A Solo 401(k) offers substantial advantages for self-employed individuals compared to other retirement options.
Contribute up to $70,000 annually in 2025, much more than traditional IRAs or standard 401(k) plans.
Contribute up to $70,000 annually in 2025, much more than traditional IRAs or standard 401(k) plans.
Contribute up to $70,000 annually in 2025, much more than traditional IRAs or standard 401(k) plans.
Contribute up to $70,000 annually in 2025, much more than traditional IRAs or standard 401(k) plans.
Choose between traditional tax-deferred or Roth after-tax contributions to optimize your tax strategy.
Choose between traditional tax-deferred or Roth after-tax contributions to optimize your tax strategy.
Choose between traditional tax-deferred or Roth after-tax contributions to optimize your tax strategy.
Access a broader range of investment options compared to employer-sponsored plans.
Access a broader range of investment options compared to employer-sponsored plans.
Access a broader range of investment options compared to employer-sponsored plans.
Access a broader range of investment options compared to employer-sponsored plans.
Enjoy strong creditor protection for your retirement assets in most states.
Enjoy strong creditor protection for your retirement assets in most states.
Enjoy strong creditor protection for your retirement assets in most states.
Borrow from your account if needed, with flexible repayment options not available with IRAs.
Borrow from your account if needed, with flexible repayment options not available with IRAs.
Borrow from your account if needed, with flexible repayment options not available with IRAs.
Minimal paperwork and easy setup process designed specifically for busy entrepreneurs.
Minimal paperwork and easy setup process designed specifically for busy entrepreneurs.
Minimal paperwork and easy setup process designed specifically for busy entrepreneurs.
Diverse Investment Options
Your Solo 401k opens the door to a wide range of investment opportunities beyond traditional options. Take control of your retirement with these powerful investment choices.
Diverse Investment Options
Your Solo 401k opens the door to a wide range of investment opportunities beyond traditional options. Take control of your retirement with these powerful investment choices.
Diverse Investment Options
Your Solo 401k opens the door to a wide range of investment opportunities beyond traditional options. Take control of your retirement with these powerful investment choices.
Precious Metals
Invest in IRS-approved gold, silver, platinum, and palladium bullion coins.
Precious Metals
Invest in IRS-approved gold, silver, platinum, and palladium bullion coins.
Real Estate
Purchase residential, commercial properties, or invest in real estate notes.
Real Estate
Purchase residential, commercial properties, or invest in real estate notes.
Private Equity
Invest in private businesses, startups, and venture capital opportunities.
Private Equity
Invest in private businesses, startups, and venture capital opportunities.
Wall Street Assets
Access traditional stocks, bonds, ETFs, mutual funds, and other publicly traded securities.
Wall Street Assets
Access traditional stocks, bonds, ETFs, mutual funds, and other publicly traded securities.
Hardmoney Lending
Provide direct loans secured by real estate with competitive interest rates.
Hardmoney Lending
Provide direct loans secured by real estate with competitive interest rates.
Cryptocurrency
Diversify with Bitcoin and other approved digital currencies.
Cryptocurrency
Diversify with Bitcoin and other approved digital currencies.
Precious Metals
Invest in IRS-approved gold, silver, platinum, and palladium bullion coins.
Real Estate
Purchase residential, commercial properties, or invest in real estate notes.
Private Equity
Invest in private businesses, startups, and venture capital opportunities.
Wall Street Assets
Access traditional stocks, bonds, ETFs, mutual funds, and other publicly traded securities.
Hardmoney Lending
Provide direct loans secured by real estate with competitive interest rates.
Cryptocurrency
Diversify with Bitcoin and other approved digital currencies.
Precious Metals
Invest in IRS-approved gold, silver, platinum, and palladium bullion coins.
Real Estate
Purchase residential, commercial properties, or invest in real estate notes.
Private Equity
Invest in private businesses, startups, and venture capital opportunities.
Wall Street Assets
Access traditional stocks, bonds, ETFs, mutual funds, and other publicly traded securities.
Hardmoney Lending
Provide direct loans secured by real estate with competitive interest rates.
Cryptocurrency
Diversify with Bitcoin and other approved digital currencies.
Features of Our Solo 401(k) Plans
Survival 401k provides comprehensive solutions tailored to your unique needs.
Plan Features
Employee and employer contributions up to $70,000 annually (2025)
Traditional pre-tax and Roth after-tax contribution options
Access to a wide range of investment options
Loan provisions up to 50% of account balance or $50,000
Checkbook control for direct investment management
Easy rollovers from existing retirement accounts
Simplified administration and compliance support
Online account access and management tools
Dedicated account representative
Plan Features
Employee and employer contributions up to $70,000 annually (2025)
Traditional pre-tax and Roth after-tax contribution options
Access to a wide range of investment options
Loan provisions up to 50% of account balance or $50,000
Checkbook control for direct investment management
Easy rollovers from existing retirement accounts
Simplified administration and compliance support
Online account access and management tools
Dedicated account representative
Plan Features
Employee and employer contributions up to $70,000 annually (2025)
Traditional pre-tax and Roth after-tax contribution options
Access to a wide range of investment options
Loan provisions up to 50% of account balance or $50,000
Checkbook control for direct investment management
Easy rollovers from existing retirement accounts
Simplified administration and compliance support
Online account access and management tools
Dedicated account representative
For Business Owners
As both employer and employee, you can make contributions in both capacities, significantly increasing your annual contribution limit compared to other retirement plans.
Maximize your retirement savings while minimizing your current tax burden
For Business Owners
As both employer and employee, you can make contributions in both capacities, significantly increasing your annual contribution limit compared to other retirement plans.
Maximize your retirement savings while minimizing your current tax burden
For Business Owners
As both employer and employee, you can make contributions in both capacities, significantly increasing your annual contribution limit compared to other retirement plans.
Maximize your retirement savings while minimizing your current tax burden
or Freelancers & Consultants
Create retirement security on your own terms with flexible contribution options that adapt to the variable income common in freelance work.
Build your retirement nest egg even with variable income
or Freelancers & Consultants
Create retirement security on your own terms with flexible contribution options that adapt to the variable income common in freelance work.
Build your retirement nest egg even with variable income
or Freelancers & Consultants
Create retirement security on your own terms with flexible contribution options that adapt to the variable income common in freelance work.
Build your retirement nest egg even with variable income
Quick Eligibility Check
See If You Qualify for a Solo 401k
See If You Qualify for a Solo 401k
See If You Qualify for a Solo 401k
Answer a few quick questions to determine if you're eligible for the significant tax advantages and higher contribution limits of a Solo 401k plan.
How Does a Solo 401(k) Compare?
See how our Solo 401(k) plans stack up against other retirement options for self-employed individuals.
SEP IRA
SIMPLE IRA
Traditional IRA
$30,500
Excellent
Good
Good
Limited
* Contribution limits shown are for 2025 and subject to change based on IRS guidelines.
SEP IRA
SIMPLE IRA
Traditional IRA
$30,500
Excellent
Good
Good
Limited
* Contribution limits shown are for 2025 and subject to change based on IRS guidelines.
SEP IRA
SIMPLE IRA
Traditional IRA
$30,500
Excellent
Good
Good
Limited
* Contribution limits shown are for 2025 and subject to change based on IRS guidelines.
Frequently Asked Questions
Frequently Asked Questions
Get answers to common questions about Solo 401(k) plans and how they work.
Get answers to common questions about Solo 401(k) plans and how they work.
Frequently Asked Questions
Get answers to common questions about Solo 401(k) plans and how they work.
Who is eligible for a Solo 401(k) plan?
Solo 401(k) plans are designed for self-employed individuals with no full-time employees except for a spouse. This includes sole proprietors, independent contractors, freelancers, and small business owners with no employees other than themselves and potentially their spouse.
How much can I contribute to a Solo 401(k)?
For 2024, you can contribute up to $23,000 as an employee contribution, plus up to 25% of your business compensation as an employer contribution, with a combined maximum of $69,000. If you're 50 or older, you can make an additional catch-up contribution of $7,500, bringing the total potential contribution to $76,500.
What's the difference between traditional and Roth Solo 401(k) contributions?
Traditional contributions are made pre-tax, reducing your current taxable income, with taxes paid upon withdrawal in retirement. Roth contributions are made with after-tax dollars, with qualified withdrawals in retirement being tax-free. You can choose either or a combination of both up to the contribution limits.
Can I roll over other retirement accounts into my Solo 401(k)?
Yes, you can generally roll over funds from previous employer 401(k) plans, traditional IRAs, and SEP IRAs into your Solo 401(k). This consolidation can make it easier to manage your retirement assets.
How do I set up a Solo 401(k) with Survival 401k?
Setting up a Solo 401(k) with Survival 401k is simple. We handle the paperwork and guide you through the process. You'll need to provide basic information about yourself and your business, choose your investment options, and make your initial contribution. The entire setup process typically takes 1-2 weeks.
What happens if I hire employees in the future?
If you hire full-time employees (working more than 1,000 hours per year) who are eligible for your plan, your Solo 401(k) would need to be converted to a traditional 401(k) plan, which would require additional compliance requirements and potentially higher administration costs. We can help with this transition if needed.
Can I take a loan from my Solo 401(k)?
Yes, Solo 401(k) plans typically allow participants to borrow up to 50% of the account balance, with a maximum of $50,000. Loans must generally be repaid within five years, with payments made at least quarterly. Interest paid on the loan goes back into your retirement account.
What are the filing requirements for a Solo 401(k)?
Once your Solo 401(k) plan assets exceed $250,000, you must file Form 5500-EZ annually with the IRS. Before reaching that threshold, there are generally no annual filing requirements. Survival 401k provides assistance with these filings as part of our service.
Who is eligible for a Solo 401(k) plan?
Solo 401(k) plans are designed for self-employed individuals with no full-time employees except for a spouse. This includes sole proprietors, independent contractors, freelancers, and small business owners with no employees other than themselves and potentially their spouse.
How much can I contribute to a Solo 401(k)?
For 2024, you can contribute up to $23,000 as an employee contribution, plus up to 25% of your business compensation as an employer contribution, with a combined maximum of $69,000. If you're 50 or older, you can make an additional catch-up contribution of $7,500, bringing the total potential contribution to $76,500.
What's the difference between traditional and Roth Solo 401(k) contributions?
Traditional contributions are made pre-tax, reducing your current taxable income, with taxes paid upon withdrawal in retirement. Roth contributions are made with after-tax dollars, with qualified withdrawals in retirement being tax-free. You can choose either or a combination of both up to the contribution limits.
Can I roll over other retirement accounts into my Solo 401(k)?
Yes, you can generally roll over funds from previous employer 401(k) plans, traditional IRAs, and SEP IRAs into your Solo 401(k). This consolidation can make it easier to manage your retirement assets.
How do I set up a Solo 401(k) with Survival 401k?
Setting up a Solo 401(k) with Survival 401k is simple. We handle the paperwork and guide you through the process. You'll need to provide basic information about yourself and your business, choose your investment options, and make your initial contribution. The entire setup process typically takes 1-2 weeks.
What happens if I hire employees in the future?
If you hire full-time employees (working more than 1,000 hours per year) who are eligible for your plan, your Solo 401(k) would need to be converted to a traditional 401(k) plan, which would require additional compliance requirements and potentially higher administration costs. We can help with this transition if needed.
Can I take a loan from my Solo 401(k)?
Yes, Solo 401(k) plans typically allow participants to borrow up to 50% of the account balance, with a maximum of $50,000. Loans must generally be repaid within five years, with payments made at least quarterly. Interest paid on the loan goes back into your retirement account.
What are the filing requirements for a Solo 401(k)?
Once your Solo 401(k) plan assets exceed $250,000, you must file Form 5500-EZ annually with the IRS. Before reaching that threshold, there are generally no annual filing requirements. Survival 401k provides assistance with these filings as part of our service.
Who is eligible for a Solo 401(k) plan?
Solo 401(k) plans are designed for self-employed individuals with no full-time employees except for a spouse. This includes sole proprietors, independent contractors, freelancers, and small business owners with no employees other than themselves and potentially their spouse.
How much can I contribute to a Solo 401(k)?
For 2024, you can contribute up to $23,000 as an employee contribution, plus up to 25% of your business compensation as an employer contribution, with a combined maximum of $69,000. If you're 50 or older, you can make an additional catch-up contribution of $7,500, bringing the total potential contribution to $76,500.
What's the difference between traditional and Roth Solo 401(k) contributions?
Traditional contributions are made pre-tax, reducing your current taxable income, with taxes paid upon withdrawal in retirement. Roth contributions are made with after-tax dollars, with qualified withdrawals in retirement being tax-free. You can choose either or a combination of both up to the contribution limits.
Can I roll over other retirement accounts into my Solo 401(k)?
Yes, you can generally roll over funds from previous employer 401(k) plans, traditional IRAs, and SEP IRAs into your Solo 401(k). This consolidation can make it easier to manage your retirement assets.
How do I set up a Solo 401(k) with Survival 401k?
Setting up a Solo 401(k) with Survival 401k is simple. We handle the paperwork and guide you through the process. You'll need to provide basic information about yourself and your business, choose your investment options, and make your initial contribution. The entire setup process typically takes 1-2 weeks.
What happens if I hire employees in the future?
If you hire full-time employees (working more than 1,000 hours per year) who are eligible for your plan, your Solo 401(k) would need to be converted to a traditional 401(k) plan, which would require additional compliance requirements and potentially higher administration costs. We can help with this transition if needed.
Can I take a loan from my Solo 401(k)?
Yes, Solo 401(k) plans typically allow participants to borrow up to 50% of the account balance, with a maximum of $50,000. Loans must generally be repaid within five years, with payments made at least quarterly. Interest paid on the loan goes back into your retirement account.
What are the filing requirements for a Solo 401(k)?
Once your Solo 401(k) plan assets exceed $250,000, you must file Form 5500-EZ annually with the IRS. Before reaching that threshold, there are generally no annual filing requirements. Survival 401k provides assistance with these filings as part of our service.
Ready to Secure Your
Financial Future?
Take control of your retirement with a Solo 401(k) plan designed specifically for self-employed individuals like you.
Ready to Secure Your
Financial Future?
Take control of your retirement with a Solo 401(k) plan designed specifically for self-employed individuals like you.
Ready to Secure Your
Financial Future?
Take control of your retirement with a Solo 401(k) plan designed specifically for self-employed individuals like you.
Ready to Secure Your
Financial Future?
Take control of your retirement with a Solo 401(k) plan designed specifically for self-employed individuals like you.