What is a Solo 401k?
A Solo 401k, also known as an Individual 401k, is a tax-advantaged retirement plan specifically designed for self-employed individuals and small business owners with no full-time employees (other than a spouse).
With a Solo 401k, you can contribute both as the employer and the employee, allowing for significantly higher contribution limits compared to traditional IRAs or even SEP IRAs.
Top Features & Benefits
High contribution limits up to $73,500 (2025)
High contribution limits up to $73,500 (2025)
High contribution limits up to $73,500 (2025)
High contribution limits up to $73,500 (2025)
Both traditional and Roth contribution options
Both traditional and Roth contribution options
Both traditional and Roth contribution options
Both traditional and Roth contribution options
Alternative investments including real estate & crypto
Alternative investments including real estate & crypto
Alternative investments including real estate & crypto
Alternative investments including real estate & crypto
Full checkbook control of your investments
Full checkbook control of your investments
Full checkbook control of your investments
Full checkbook control of your investments
Loan provisions up to $50,000
Loan provisions up to $50,000
Loan provisions up to $50,000
Loan provisions up to $50,000
Protection from creditors in most states
Protection from creditors in most states
Protection from creditors in most states
Protection from creditors in most states
Our Comprehensive Services
To qualify for a Solo 401k, you must:
Have self-employment income (full-time or part-time
Have no full-time employees other than yourself and your spouse
Generate self-employment income through a sole proprietorship, LLC, partnership, or corporation
Even if you have a full-time job with an employer-sponsored retirement plan, you can still establish a Solo 401k for your side business or freelance income.
To qualify for a Solo 401k, you must:
Have self-employment income (full-time or part-time
Have no full-time employees other than yourself and your spouse
Generate self-employment income through a sole proprietorship, LLC, partnership, or corporation
Even if you have a full-time job with an employer-sponsored retirement plan, you can still establish a Solo 401k for your side business or freelance income.
To qualify for a Solo 401k, you must:
Have self-employment income (full-time or part-time
Have no full-time employees other than yourself and your spouse
Generate self-employment income through a sole proprietorship, LLC, partnership, or corporation
Even if you have a full-time job with an employer-sponsored retirement plan, you can still establish a Solo 401k for your side business or freelance income.
To qualify for a Solo 401k, you must:
Have self-employment income (full-time or part-time
Have no full-time employees other than yourself and your spouse
Generate self-employment income through a sole proprietorship, LLC, partnership, or corporation
Even if you have a full-time job with an employer-sponsored retirement plan, you can still establish a Solo 401k for your side business or freelance income.
Key Benefits
Solo 401ks offer both pre-tax (traditional) and after-tax (Roth) options. You can reduce your taxable income today with pre-tax contributions or enjoy tax-free withdrawals in retirement by opting for Roth contributions.
Solo 401ks offer both pre-tax (traditional) and after-tax (Roth) options. You can reduce your taxable income today with pre-tax contributions or enjoy tax-free withdrawals in retirement by opting for Roth contributions.
Solo 401ks offer both pre-tax (traditional) and after-tax (Roth) options. You can reduce your taxable income today with pre-tax contributions or enjoy tax-free withdrawals in retirement by opting for Roth contributions.
Solo 401ks offer both pre-tax (traditional) and after-tax (Roth) options. You can reduce your taxable income today with pre-tax contributions or enjoy tax-free withdrawals in retirement by opting for Roth contributions.
The Solo 401k allows you to contribute as both an employee and employer, with total annual limits that far exceed those of traditional IRAs or even SEP IRAs. In 2025, freelancers can stash away up to $73,500 if they qualify.
The Solo 401k allows you to contribute as both an employee and employer, with total annual limits that far exceed those of traditional IRAs or even SEP IRAs. In 2025, freelancers can stash away up to $73,500 if they qualify.
The Solo 401k allows you to contribute as both an employee and employer, with total annual limits that far exceed those of traditional IRAs or even SEP IRAs. In 2025, freelancers can stash away up to $73,500 if they qualify.
The Solo 401k allows you to contribute as both an employee and employer, with total annual limits that far exceed those of traditional IRAs or even SEP IRAs. In 2025, freelancers can stash away up to $73,500 if they qualify.
Say goodbye to cookie-cutter options. With Solo 401ks, you're the investment decision-maker, allowing you to explore real estate, cryptocurrency, precious metals, startups, and more—perfect for the financially adventurous.
Say goodbye to cookie-cutter options. With Solo 401ks, you're the investment decision-maker, allowing you to explore real estate, cryptocurrency, precious metals, startups, and more—perfect for the financially adventurous.
Say goodbye to cookie-cutter options. With Solo 401ks, you're the investment decision-maker, allowing you to explore real estate, cryptocurrency, precious metals, startups, and more—perfect for the financially adventurous.
Say goodbye to cookie-cutter options. With Solo 401ks, you're the investment decision-maker, allowing you to explore real estate, cryptocurrency, precious metals, startups, and more—perfect for the financially adventurous.
If your spouse earns income from your business, they can participate in your Solo 401k plan. Together, you can turbocharge your retirement savings and double the benefits.
If your spouse earns income from your business, they can participate in your Solo 401k plan. Together, you can turbocharge your retirement savings and double the benefits.
If your spouse earns income from your business, they can participate in your Solo 401k plan. Together, you can turbocharge your retirement savings and double the benefits.
If your spouse earns income from your business, they can participate in your Solo 401k plan. Together, you can turbocharge your retirement savings and double the benefits.
Need cash for a personal project or unexpected expenses? Solo 401k plans offer loans up to $50,000 or 50% of the account value. Plus, you repay yourself with interest, keeping the money within your retirement savings.
Need cash for a personal project or unexpected expenses? Solo 401k plans offer loans up to $50,000 or 50% of the account value. Plus, you repay yourself with interest, keeping the money within your retirement savings.
Need cash for a personal project or unexpected expenses? Solo 401k plans offer loans up to $50,000 or 50% of the account value. Plus, you repay yourself with interest, keeping the money within your retirement savings.
Need cash for a personal project or unexpected expenses? Solo 401k plans offer loans up to $50,000 or 50% of the account value. Plus, you repay yourself with interest, keeping the money within your retirement savings.
Freelancers can deduct their contributions to their Solo 401k directly from their taxable income, reducing the tax burden while planning for a secure future.
Freelancers can deduct their contributions to their Solo 401k directly from their taxable income, reducing the tax burden while planning for a secure future.
Freelancers can deduct their contributions to their Solo 401k directly from their taxable income, reducing the tax burden while planning for a secure future.
Freelancers can deduct their contributions to their Solo 401k directly from their taxable income, reducing the tax burden while planning for a secure future.
Unlike traditional IRAs, Solo 401ks offer "checkbook control," meaning you're not dependent on a custodian. You can invest directly and access funds without additional fees or delays.
Unlike traditional IRAs, Solo 401ks offer "checkbook control," meaning you're not dependent on a custodian. You can invest directly and access funds without additional fees or delays.
Unlike traditional IRAs, Solo 401ks offer "checkbook control," meaning you're not dependent on a custodian. You can invest directly and access funds without additional fees or delays.
Unlike traditional IRAs, Solo 401ks offer "checkbook control," meaning you're not dependent on a custodian. You can invest directly and access funds without additional fees or delays.
If you already have funds in an IRA or other retirement accounts, you can roll them into a Solo 401k seamlessly. This gives you the flexibility to consolidate accounts and streamline your financial management
If you already have funds in an IRA or other retirement accounts, you can roll them into a Solo 401k seamlessly. This gives you the flexibility to consolidate accounts and streamline your financial management
If you already have funds in an IRA or other retirement accounts, you can roll them into a Solo 401k seamlessly. This gives you the flexibility to consolidate accounts and streamline your financial management
If you already have funds in an IRA or other retirement accounts, you can roll them into a Solo 401k seamlessly. This gives you the flexibility to consolidate accounts and streamline your financial management
Solo 401ks are tailored for self-employed individuals or business owners with no full-time employees. If you're running a solo enterprise, this plan fits perfectly into your setup.
Solo 401ks are tailored for self-employed individuals or business owners with no full-time employees. If you're running a solo enterprise, this plan fits perfectly into your setup.
Solo 401ks are tailored for self-employed individuals or business owners with no full-time employees. If you're running a solo enterprise, this plan fits perfectly into your setup.
Solo 401ks are tailored for self-employed individuals or business owners with no full-time employees. If you're running a solo enterprise, this plan fits perfectly into your setup.
Solo 401ks let freelancers take advantage of compound growth with larger contributions and flexible investment options. This makes them a powerful tool for building a robust retirement portfolio.
Solo 401ks let freelancers take advantage of compound growth with larger contributions and flexible investment options. This makes them a powerful tool for building a robust retirement portfolio.
Solo 401ks let freelancers take advantage of compound growth with larger contributions and flexible investment options. This makes them a powerful tool for building a robust retirement portfolio.
Solo 401ks let freelancers take advantage of compound growth with larger contributions and flexible investment options. This makes them a powerful tool for building a robust retirement portfolio.
Solo 401ks offer robust legal protections, helping safeguard your retirement savings from potential creditors and legal claims in most states.
Solo 401ks offer robust legal protections, helping safeguard your retirement savings from potential creditors and legal claims in most states.
Solo 401ks offer robust legal protections, helping safeguard your retirement savings from potential creditors and legal claims in most states.
Solo 401ks offer robust legal protections, helping safeguard your retirement savings from potential creditors and legal claims in most states.
You can make contributions up until your tax filing deadline, giving you more flexibility and strategic planning opportunities for your retirement savings.
You can make contributions up until your tax filing deadline, giving you more flexibility and strategic planning opportunities for your retirement savings.
You can make contributions up until your tax filing deadline, giving you more flexibility and strategic planning opportunities for your retirement savings.
You can make contributions up until your tax filing deadline, giving you more flexibility and strategic planning opportunities for your retirement savings.
Why Choose Survival 401k?
At Survival 401k, we specialize in creating customized Solo 401k plans that provide maximum flexibility and investment options. Our services include:
Complete plan documentation and IRS compliance assistance
Complete plan documentation and IRS compliance assistance
Ongoing support and expert consultation
Ongoing support and expert consultation
Comprehensive educational resources and investment guidance
Comprehensive educational resources and investment guidance
Streamlined administration and simplified reporting
Streamlined administration and simplified reporting
Access to our extensive network of investment professionals
Access to our extensive network of investment professionals
Tax-advantaged retirement savings strategies
Tax-advantaged retirement savings strategies
Annual Compliance Fee of $200 starting in year two
Annual Compliance Fee of $200 starting in year two
Complete plan documentation and IRS compliance assistance
Ongoing support and expert consultation
Comprehensive educational resources and investment guidance
Streamlined administration and simplified reporting
Access to our extensive network of investment professionals
Tax-advantaged retirement savings strategies
Annual Compliance Fee of $200 starting in year two
Complete plan documentation and IRS compliance assistance
Ongoing support and expert consultation
Comprehensive educational resources and investment guidance
Streamlined administration and simplified reporting
Access to our extensive network of investment professionals
Tax-advantaged retirement savings strategies
Annual Compliance Fee of $200 starting in year two
Comprehensive Solo 401k Plan Documentation and Setup
Comprehensive Solo 401k Plan Documentation and Setup
Comprehensive Solo 401k Plan Documentation and Setup
Comprehensive Solo 401k Plan Documentation and Setup
Ready to Secure Your
Financial Future?
Take control of your retirement with a Solo 401(k) plan designed specifically for self-employed individuals like you.
Ready to Secure Your
Financial Future?
Take control of your retirement with a Solo 401(k) plan designed specifically for self-employed individuals like you.
Ready to Secure Your
Financial Future?
Take control of your retirement with a Solo 401(k) plan designed specifically for self-employed individuals like you.
Ready to Secure Your
Financial Future?
Take control of your retirement with a Solo 401(k) plan designed specifically for self-employed individuals like you.