401k PLANS
Build Wealth on Your Terms with a Solo 401(k)
- Independent Contractors
- Freelancers
- Sole Proprietors
- C Corp, S Corp, LLC, & DBA
Why a Solo 401(k) at IRA Club SBS?
- Up to $72,000 combined total for employee + profit sharing contributions for 2026
- Borrow up to the lesser of $50,000 or 50% of the account
- Exemption from UDFI tax on leveraged investments in the account
- Ability for investing in alternative assets for a diversified portfolio
Plan Benefits
- Payroll integration with most providers
- Record keeping & government filing
- Ongoing Compliance testing
- Employee onboarding & education
- Alternative investment options available
- Reliable, human support is just a phone call away
Lead Your Team Forward with Protected AI Investing
for $7/month
 |
Wealth Manager | Robo Advisor | Online Broker | |
|---|---|---|---|---|
| Investments managed with AI | ✓ | ✓ | ||
| Can choose market index strategy | ✓ | ✓ | ✓ | |
| Low minimum investment ($500) | ✓ | ✓ | ||
| Ability to pay 0% in fees | ✓ | ✓ | ||
| Built with protection in mind | ✓ | ✓ | ||
| Intuitive online experience | ✓ | ✓ | ✓ | |
| Choose individual stocks or ETFs | ✓ | ✓ | ✓ |
Invest in Alternative Assets with a Solo 401(k)
Diversify your Solo 401(k) with alternative assets like real estate, private placements, and more, investing in what you know and understand to build a strategy aligned with your expertise and goals— for $395/annually + $195 per asset holding.
Real Estate
Private Lending
Syndications
Cryptocurrency
Private Placement
Precious Metals
Invest in Alternative Assets with a Solo 401(k)
Whether you want a straightforward setup or greater flexibility with your retirement funds, IRA Club SBS offers solutions for investors of every experience level and business size.
Custodial Solo 401(k)
Solo 401(k) with Checkbook Control
Connect with Your Payroll Provider
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Frequently Asked Questions
What is a Solo 401(k) and how does it work for self-employed individuals?
A Solo 401(k) is a retirement plan designed for self-employed individuals or business owners with no full-time employees other than a spouse. It allows for high annual contributions, tax advantages, and flexible investment options, including both traditional and Roth contributions.
Who is eligible to open a Solo 401(k)?
You are eligible if you are self-employed or own a small business with no full-time employees except your spouse. Any business structure qualifies, including sole proprietors, LLCs, partnerships, and corporations.
What are the Solo 401(k) contribution limits for 2026?
For 2026:
Employee deferral: $24,500
- Catch-up (age 50 – 59; 64+): $8,000
- “Super” Catch-up (age 60 – 63): $11,250
Total combined:
$72,000 (under 50
- $79,00 (age 50 – 59; 64+)
- $83,250 (age 60 – 63)
Employers cannot make Roth contributions.
Can I make both pre-tax and Roth contributions to a Solo 401(k)?
Yes, Solo 401(k)s allow for both pre-tax (traditional) and Roth (after-tax) contributions, giving you flexibility in managing your current and future tax liabilities.
What investment options are available in a Solo 401(k)?
A Solo 401(k) offers a wide range of investment options, enabling you to tailor your investment strategy to your specific goals and risk tolerance. You can invest in traditional assets like stocks, bonds, ETFs, and even A.I Trading portfolios powered by iFlip. Additionally, alternative investments such as real estate, private equity, precious metals, cryptocurrencies, tax liens, and private loans are permitted. IRA Club SBS is not licensed to provide investment or structuring advice or make recommendations; employees must find their own alternative investments and conduct their own due diligence. See “alternative investing” for details.
Can I take a loan from my Solo 401(k)?
Yes, many Solo 401(k) plans allow you to borrow up to 50% of your account balance, up to $50,000, for any purpose. Schedule a consultation with an onboarding specialist to discuss additional details here.
How do I set up a Solo 401(k) for my business?
To set up a Solo 401(k), schedule a consultation with an onboarding specialist, and we’ll get your account open and ready to go.
What are the tax benefits of a Solo 401(k) for self-employed individuals?
Contributions are generally tax-deductible, reducing your taxable income. Roth contributions grow tax-free, and all investment earnings are tax-deferred until withdrawal.
Can I roll over other retirement accounts into a Solo 401(k)?
Yes, you can roll over funds from IRAs, SEP IRAs, previous employer 401(k)s, and most other qualified retirement plans into your Solo 401(k).
What happens if I hire employees after opening a Solo 401(k)?
If you hire full-time employees (other than your spouse), you may no longer be eligible for a Solo 401(k) and may need to transition to a traditional 401(k) plan that covers all eligible employees.