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.

Investment Guidance

How to Evaluate a Real Estate Investment for Your Solo 401(k)

Thinking about using your Solo 401(k) to invest in real estate? Before you buy, it's important to know how to evaluate a property beyond its asking price. In this guide, you'll learn how to assess cash flow, market trends, appreciation potential, financing options, property condition, liquidity, and IRS compliance considerations so you can make informed investment decisions. Whether you're purchasing your first rental property or expanding your retirement portfolio, this article provides practical insights to help you evaluate real estate opportunities with confidence while keeping your long-term retirement goals in focus.

By Garrett Clark

Investment Guidance

How to Use a Solo 401(k) for Real Estate Investing

Did you know your retirement plan can help you invest in real estate - without paying capital gains taxes up front? A Solo 401(k) offers self-employed individuals the power to invest in alternative assets like rental properties, land, and even real estate syndications. In this blog, we explain how to use a self-directed Solo 401(k) to build wealth through real estate, including IRS rules, tax advantages, and how to stay compliant. If you're ready to diversify beyond stocks, this strategy could unlock serious long-term returns.

By Garrett Clark

Investment Guidance

Can Your Solo 401(k) Invest in Startups?

Curious about investing in startups through your retirement account? A self-directed Solo 401(k) may provide access to private companies, startup ventures, and other alternative investments beyond traditional stocks and mutual funds. In this article, we explore how startup investing works within a Solo 401(k), the potential benefits and risks, important IRS rules to understand, and key considerations before investing retirement funds in private businesses. Learn how entrepreneurs and self-directed investors are using Solo 401(k)s to pursue diversification, greater investment control, and long-term wealth-building opportunities.

By Garrett Clark

Investment Guidance

Can Your Solo 401(k) Buy Raw Land?

Many self-employed investors don't realize that a Solo 401(k) can provide access to investment opportunities beyond traditional stocks and mutual funds. One of those opportunities is raw land. Whether you're looking to purchase land for long-term appreciation, future development, or portfolio diversification, understanding how a Solo 401(k) can own raw land - and the rules that come with it; is essential. This guide explains how it works, the benefits, common mistakes to avoid, and important IRS considerations.

By Garrett Clark

Investment Guidance

Can You Invest in a Real Estate Syndication With a Solo 401(k)?

Learn how a Solo 401(k) can potentially be used to invest in real estate syndications. Explore how these investments work, the benefits and risks, prohibited transaction rules, tax considerations, and important steps to take before using retirement funds to invest in a real estate syndication.

By Garrett Clark

Investment Guidance

Buying Your First Investment Property With Retirement Funds

Learn how retirement funds can be used to purchase investment real estate through a properly structured Solo 401(k). This guide covers property ownership, rental income, expenses, financing, prohibited transactions, and key rules first-time investors should understand before buying.

By Garrett Clark

Investment Guidance

Buying and Renting a Vacation Home Inside a Solo 401(k): What Investors Need to Know

For many investors, real estate is an important part of a long-term wealth-building strategy. Rental homes, commercial properties, raw land, and other real estate investments can provide opportunities to diversify beyond traditional stocks and bonds. For self-employed individuals and business owners with a Solo 401(k), there may be another option worth exploring: purchasing a property in a vacation market and holding it as a rental investment inside the retirement plan.

By Garrett Clark

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