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.

Tax Planning

Tax Planning with a 401(k)

Whether you're fully self-employed, juggling a side hustle, or a first responder earning extra income on the side, tax planning should be part of your financial toolkit. This blog explores how a Solo 401(k) can help reduce your tax bill while building long-term retirement wealth. You'll learn how much you can contribute, how it affects your taxable income, and why it's one of the most powerful tools available for freelancers, gig workers, small business owners, and first responders alike. Take control of your income - and your future - with smart tax strategies built around your 401(k).

By Garrett Clark

Tax Planning

The Solo 401(k) and Tax Planning Playbook

Discover how a Solo 401(k) can become one of the most powerful tools in your tax planning strategy. In this guide, we break down how self-employed business owners, entrepreneurs, freelancers, and independent contractors can potentially reduce taxable income, take advantage of tax-deferred or tax-free growth, maximize retirement contributions, and build long-term wealth. Learn practical strategies for using a Solo 401(k) to create tax diversification, improve financial flexibility, and make the most of your retirement planning opportunities.

By Garrett Clark

Tax Planning

What Every CPA Wishes Their Clients Knew About Retirement Plans

Retirement plans are among the most powerful tax and wealth-building tools available to business owners, yet they are also one of the most misunderstood. Every year, CPAs encounter clients who pay more taxes than necessary, miss valuable contribution opportunities, or wait too long to establish a retirement plan. The reality is that strategic retirement planning can significantly impact both current tax savings and long-term financial security. Whether you are self-employed, own a small business, or operate a growing company, understanding how retirement plans work can help you make more informed financial decisions. Here are some of the key retirement planning concepts that CPAs wish more clients understood.

By Garrett Clark

Tax Planning

IF YOU’RE 1099 AND DON’T HAVE THIS… YOU’RE OVERPAYING ON TAXES

The truth is simple. If you're 1099 and don’t have a Solo 401(k), you’re likely overpaying taxes every single year.

By Garrett Clark

Tax Planning

How Entrepreneurs Can Potentially Shelter More Income

Learn how entrepreneurs and self-employed business owners may potentially shelter more income through legal, tax-advantaged retirement strategies like the Solo 401(k). Explore contribution opportunities, tax-deferred growth, investment flexibility, and important rules every business owner should understand when building long-term wealth.

By Garrett Clark

Tax Planning

How Solo 401(k)s Reduce Taxes for High Earners

High earners and business owners often pay more in taxes than necessary. This blog breaks down how a Solo 401(k) can reduce taxable income, increase retirement contributions, and create long-term tax-efficient wealth.

By Garrett Clark

Tax Planning

How Retirement Contributions Can Affect Your Taxable Income

Learn how retirement contributions can affect your taxable income and potentially reduce your current tax burden. Discover how traditional, Roth, and Solo 401(k) contributions work, why tax deferral matters, and how business owners and self-employed professionals can use retirement planning as part of a smarter long-term financial strategy.

By Garrett Clark

Tax Planning

Do You Need to File Anything for Your Solo 401(k)?

Many business owners and self-employed individuals wonder if a Solo 401(k) comes with complicated tax filings. The reality is much simpler. This guide breaks down exactly when filings are required, how contributions are reported, and what you need to know to stay compliant while maximizing your retirement strategy.

By Garrett Clark

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When the reading has answered your questions, the Application Center walks through what to have ready.

Application Center Explore the Solo 401(k)