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.
SEP IRA
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.
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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