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.

Retirement planning

Rental Property Inside a Solo 401(k): What to Know

For self-employed individuals and business owners, a Solo 401(k) offers more than just traditional stock market investing. One of the most powerful features is the ability to invest in alternative assets, including real estate. This opens the door to building long-term wealth through cash flow and property appreciation, all within a tax-advantaged retirement account. However, owning rental property inside a Solo 401(k) comes with specific rules and responsibilities. Understanding how it works is essential before moving forward with this strategy.

By Garrett Clark

Retirement planning

ONLY 3% OF ELIGIBLE SELF-EMPLOYED PEOPLE USE A SOLO 401(K)

Despite the massive tax advantages and long-term wealth potential, only 3% of eligible self-employed individuals take advantage of a Solo 401(k). This blog explores why the remaining 97% are missing out - and how failing to act now could mean sacrificing financial security later. We’ll break down the common misconceptions, highlight the benefits, and show you why joining the top 3% is not only smart - it’s essential. Whether you're a freelancer, contractor, or business owner, this could be the retirement strategy you've been overlooking.

By Garrett Clark

Retirement planning

Mid-Year Solo 401(k) Checkup: Are You on Track?

Is your Solo 401(k) on track this year? A mid-year review can help you maximize contributions, evaluate investments, stay compliant with IRS rules, and prepare for year-end tax planning. In this guide, learn the key steps every self-employed business owner should take to keep their retirement strategy aligned with their financial goals and make the most of the flexibility a Solo 401(k) offers.

By Garrett Clark

Retirement planning

How to Get in Trouble With Your Solo 401(k)

7 Costly Mistakes That Could Ruin Your Retirement Plan

By Garrett Clark

Retirement planning

How to Use Your Solo 401(k) to Build Your Dream Business-And Retire Early!

What if your retirement plan could also fuel your entrepreneurial dreams? With a Solo 401(k), it can. This blog explores how self-employed individuals can strategically use their Solo 401(k) to not only secure their future but also build the business they’ve always dreamed of. From tax-deferred growth to flexible investment options - including real estate and private equity - you’ll learn how to leverage this powerful tool to grow your wealth and accelerate your path to early retirement.

By Garrett Clark

Retirement planning

How Fitness Professionals on 1099 Income Can Use an LLC and Solo 401(k) to Build Wealth and Their Business

Fitness professionals earning 1099 income have a unique opportunity to build real wealth. This guide breaks down how to use an LLC and Solo 401(k) together to reduce taxes, access capital, and create long-term financial growth through smarter structure and strategy.

By Garrett Clark

Retirement planning

How High-Earning 1099 Workers Like Truckers, Electricians, and Plumbers Can Use a Solo 401(k) to Do More

High-earning 1099 professionals like truckers, electricians, and plumbers have unique opportunities when it comes to building wealth, but only if they structure their income correctly. This blog breaks down how a Solo 401(k) can be used to reduce taxes, increase contributions, gain investment control, and create long-term financial stability beyond just retirement.

By Garrett Clark

Retirement planning

Deadline Drama: Setting Up Your Solo 401(k) Before December 31st

The clock is ticking - and if you’re self-employed, December 31st isn’t just the end of the year, it’s your final chance to unlock powerful tax advantages with a Solo 401(k). In this blog, we break down exactly what you need to do to open your plan before the deadline, how it can slash your tax bill, and why acting now can set you up for long-term financial success. Don’t let procrastination cost you thousands - beat the deadline and take control of your retirement future.

By Garrett Clark

Retirement planning

7 Signs You're Ready for a Solo 401(k)

Are you self-employed, running a small business, or earning income through a side hustle? A Solo 401(k) may offer powerful retirement planning opportunities that many entrepreneurs overlook. In this article, we explore seven key signs that you're ready for a Solo 401(k), from maximizing retirement contributions and potentially reducing taxes to gaining greater control over your investments and building long-term wealth. Learn how this flexible retirement strategy could help position your business and financial future for success.

By Garrett Clark

Retirement planning

Can You Rollover Both Spouses’ Retirement Funds Into the Same Solo 401(k)?

Married business owners can unlock powerful tax and retirement strategies using a Solo 401(k), but understanding how spousal accounts work is key. This guide breaks down how both spouses can roll over retirement funds into one plan while maintaining compliance, maximizing contributions, and building long-term wealth together.

By Garrett Clark

Retirement planning

401(k)s for Digital Nomads and Global Freelancers

Can you save for retirement while working from beaches, cafes, and co-working spaces around the world? Absolutely. In this blog, we break down how digital nomads and global freelancers can take advantage of the Solo 401(k) - a powerful, flexible retirement plan designed for the self-employed. You'll learn how to qualify, contribute from abroad, and leverage tax advantages while maintaining your global lifestyle. If you’re earning independently while exploring the world, this is your roadmap to financial freedom - without borders.

By Garrett Clark

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