Business Structures and Self-Directed Retirement Plans
A Self-Directed Solo 401(k) Built for the Way You Invest
For self-employed owners, 1099 professionals and real-estate investors. We set up Solo 401(k) plans, LLCs and IRA LLCs, and coordinate them into one working structure.
2026 contribution limit: up to $72,000, plus eligible catch-up contributions. Actual limits depend on age, compensation and plan calculations.
- Personal setup support
- Alternative-investment ready
- Ongoing compliance guidance
- Built for owner-only businesses
Services
Three ways clients start
Engage a single service, or coordinate several into one structure. Published service fees are shown below; state, government and third-party charges are separate.
Solo 401(k)
Setup, ongoing annual support and reinstatement for owner-only businesses that want contribution capacity and self-direction.
Setup from $1,200, $200 per year, $250 reinstatement when applicable
Learn moreBusiness Structures
LLC formation and S-Corp coordination for entrepreneurs and 1099 professionals, sequenced with your own CPA.
LLC $795 plus state filing fee; Lean S-Corp Optimizer $995 plus state fees
Learn moreSelf-Directed IRA Structures
An IRA-owned LLC with checkbook control, documented and coordinated with your custodian.
IRA LLC $1,295
Learn moreWhy Survival 401K
A retirement plan should come with a real person
Survival 401K is a boutique service. Founder Ross Powell works directly with clients through setup, banking and the practical questions that follow.
You reach a person
Direct contact through setup, banking and the questions that show up months later.
Fit before paperwork
If the structure does not fit your situation, we say so before anything is signed.
Implementation, not just documents
Documents, EIN and account steps, and coordination with banks and custodians.
Clear boundaries
We are not a bank, custodian, law firm, CPA firm, lender or investment adviser, and we say where our role stops.
The process
Three steps, in plain order
Confirm fit
We review ownership, earned income, employees and related companies before anything is signed.
Establish the structure
Complete the documents, obtain trust and EIN details as applicable, and open the accounts.
Fund and operate
Contribute or roll over eligible funds, then receive ongoing administrative support.
Rollout timing depends on how quickly documents are completed and on the financial institutions involved.
Could a Solo 401(k) fit your business?
Four quick questions. Educational only - no personal information is collected.
Question 1 of 4
For real estate professionals
Commission income, deal timing and self-direction
Agents, brokers and investors run on uneven 1099 income and deal-driven timing. See how plan design, entity choice and self-directed investing fit that pattern.
Pricing
Published service fees
Solo 401(k) setup from $1,200 one time with $200 per year support. LLC $795 plus your state filing fee. IRA LLC $1,295. Government and third-party charges are separate.
Questions
Frequently asked questions
Last reviewed September 2026. Figures are from the IRS and depend on your individual facts. See the IRS 2026 limits.