Individual Retirement Plans

As a solo business owner, explore diverse individual retirement plan options. Start building your nest egg while investing in line with your financial goals.

The benefits of

Individual Retirement Plans

Opting for an individual retirement plan isn’t just a step towards securing your own financial future; it’s a strategic move with immediate advantages for your business. With significant tax benefits, you can effectively reduce your taxable income, providing immediate relief to your bottom line.

The benefits extend beyond the numbers, too. By proactively investing in your own retirement, you’re setting a course for long-term financial stability. This isn’t just a financial decision—it’s an essential component for securing peace of mind, allowing you to focus on growing your business with the assurance that your future is well-planned.

Individual Retirement Plan Options

Most Popular 

Solo/Individual 401(k)

Maximize your contributions with both employee and employer contributions for business owners without employees.


Select a plan with high contribution limits and minimal administration, ideal for self-employed and small businesses.

Advanced Strategy

Cash Balance Plan

Optimize contributions with a plan that allows for higher contribution limits, ideal for high income business owners.

Non-Qualified Plan

 Select a plan for targeted benefits to specific employees, offering added flexibility.


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Compare Our Individual Retirement Plans

Choose from one of the IRS pre-approved matching and vesting schedules.

Individual retirement plan

Who should consider an

Individual Retirement Plan

Self-Employed or Freelancers.

If you’re running a one-person operation, you’re eligible for an individual plan. This is ideal if you’re seeking a retirement plan that offers both high contribution limits and tax benefits.

Seeking High Contribution Limits.

Solo business owners looking to maximize their retirement plan contributions will find Solo 401ks or SEP IRAs particularly beneficial due to their higher contribution limits.

Low Administrative Burden.

If you don’t have employees and want a retirement plan that’s easy to manage, a Solo 401k or SEP IRA offers the advantage of minimal paperwork and compliance requirements.

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