Blog

Plain-English articles on Solo 401(k) plans.

Education for self-employed and 1099 professionals - plan rules, structure, real-estate considerations and administration. Educational only; not legal, tax or investment advice.

Estate Planning

Solo 401(k) vs. Trust: Understanding Estate Planning Tools and Their Roles

Many business owners spend years building wealth but overlook one important question: What happens to those assets when you're gone? Estate planning is not just about transferring wealth. It is about protecting your family, reducing complications, maintaining privacy, and ensuring your wishes are carried out efficiently. Two powerful tools that often come up in estate planning discussions are the Solo 401(k) and trusts. While both can play important roles in a comprehensive estate plan, they serve different purposes and offer unique advantages. Understanding how they work together can help business owners and investors create a more complete strategy for preserving and transferring wealth.

By Garrett Clark

Estate Planning

What Happens to Your 401(k) When You Pass?

A Guide for Families and Future Planners

By Garrett Clark

Estate Planning

Planning for the Future: How a 401(k) Fits Into Your Estate Strategy

When it comes to planning for the future, your 401(k) is more than just a retirement account - it’s a powerful estate planning tool. This blog explores how a 401(k), including Solo 401(k)s, fits into your overall estate strategy, helping you protect your legacy, minimize taxes, and ensure your assets are passed on according to your wishes. From beneficiary designations to trust considerations and Roth conversions, we break down key steps to take now so your retirement savings can support your loved ones later.

By Garrett Clark

Estate Planning

How to Find Retirement Accounts You Forgot About

Over the course of a career, it's common to accumulate retirement accounts from multiple employers. Unfortunately, many of these accounts are forgotten after changing jobs, moving, or simply losing track of old paperwork. In fact, billions of dollars in retirement assets remain in unclaimed or inactive accounts across the United States. If you think you may have an old 401(k), pension, or other retirement account that's been left behind, this guide will walk you through how to find it, what to do once you locate it, and how eligible self-employed individuals may be able to consolidate certain former employer retirement accounts into a Solo 401(k) for easier management and greater flexibility.

By Garrett Clark

Estate Planning

Can Your Children Inherit Your Solo 401(k)?

One of the greatest advantages of saving for retirement is knowing that the assets you've worked so hard to build can continue to benefit your family after you're gone. If you own a Solo 401(k), you may be wondering:

By Garrett Clark

Estate Planning

5 Estate Planning Documents Every Adult Should Have

Estate planning isn't just for the wealthy - it's an essential part of protecting your family, your finances, and your future. Learn about the five key estate planning documents every adult should have, how they work together, and why keeping your beneficiary designations and retirement accounts, including your Solo 401(k), up to date is an important part of your overall financial plan.

By Garrett Clark

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