Education
Plain-language explanations and official sources.
Blog
Articles on plan operation, self-direction and the practical questions owners run into.
Read the blogAlternative investments
What a self-directed plan or IRA LLC may hold, and where custody, valuation and prohibited-transaction rules apply. Education only.
Read the education pageIRS Solo 401(k) guidance
The official IRS page on one-participant 401(k) plans, including who qualifies and filing basics.
Read on IRS.gov2026 IRS limits
The IRS announcement covering the 2026 elective-deferral, catch-up and IRA figures.
See the 2026 limitsTools
Run the numbers before you talk to anyone.
Partner solutions
Services delivered with independent third parties.
Real estate funding
Loan-use categories and an intake pathway to independent lenders. Survival 401K is not the lender and does not approve or guarantee financing.
Real estate fundingPartner program
Information for professionals who refer clients. Compensation terms are set out in the program agreement; participation does not guarantee referrals or earnings.
See the partner programArticles by topic
Direct links into the library, grouped by the questions owners ask most.
Solo 401(k) basics
Start here if you are working out what the plan is and whether you qualify.
Contribution limits and planning
How much can go in, when it has to go in, and how it affects your tax picture.
1099 and self-employed retirement plans
Written for contractors, trades, side businesses and dual W-2 plus 1099 income.
Real estate investing with retirement funds
Property, lending and the rules that apply when the plan is the buyer.
Alternative investments
Beyond listed markets: metals, private lending, land, startups and syndications.
Trustee and plan administrator responsibilities
What you are signing up for once the plan exists, including filings.
Loans, distributions and required minimum distributions
Taking money out, borrowing from the plan, and what happens later in life.
LLC, S-Corp and IRA LLC structures
How the business entity around the plan is usually set up.
Last reviewed September 2026. Figures are from the IRS and depend on your individual facts. See the IRS 2026 limits.
External sites are provided for convenience. Survival 401K does not control third-party content and does not endorse or verify it. Nothing on this page is investment, legal or tax advice.