Question 1

Who can establish a Solo 401(k)?

Accepted Answer

A Solo 401(k) is generally designed for an owner-only business with self-employment or business earned income and no common-law employees other than the owner and, if applicable, a spouse working in the business. Ownership of other companies can affect eligibility through controlled-group and affiliated-service-group rules, so the facts should be reviewed before you establish a plan.

Question 2

Can I invest in real estate?

Accepted Answer

Many self-directed Solo 401(k) plans permit real estate when the plan document allows it and the chosen bank or custodian supports it. Prohibited-transaction rules restrict dealings with disqualified persons, including yourself, and all expenses and income must flow through the plan. We provide education on the rules; we do not select, recommend or approve investments.

Question 3

When is Form 5500-EZ required?

Accepted Answer

A one-participant plan generally must file Form 5500-EZ when plan assets reach $250,000 or more at the end of the plan year, and a final return can be required when the plan is terminated. The $200 annual support fee includes assistance preparing Form 5500-EZ when required and Form 1099-R when applicable, at no additional charge. Not every plan needs either form. The plan sponsor or payer remains responsible for providing accurate records and information, reviewing completed forms, and timely filing or furnishing them as applicable. Survival 401K provides preparation assistance, not a filing service or a guarantee of acceptance or outcome.

Question 4

Does Survival 401K provide investment, tax or legal advice?

Accepted Answer

No. We provide plan-document setup, implementation assistance, education and ongoing administrative support. We are not a bank, custodian, registered investment adviser, law firm, CPA firm, lender or fiduciary, and we do not recommend specific investments. Consult your own tax and legal advisers before acting.

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