We have a variety of small business retirement plans that offer self-employed, entrepreneurs, and sole proprietors and their employees, tax-advantaged ways to save for retirement. And with flexible funding, tax-deductible contributions, a wide range of investment choices, and higher contribution options than a traditional IRA, we can help you find a plan that's right for your business needs and retirement goals.
A Solo 401k, also commonly referred to as an individual 401k, is for self-employed individuals without full-time employees. By allowing you to contribute as both the employer and the employee, this plan enables you (and your spouse if he or she works for you) to boost your retirement savings with higher contribution limits. Both Roth and pre-tax salary deferrals may be permitted.
A Simplified Employee Pension (SEP) IRA is a plan completely funded by the employer. This plan benefits both the employer and employees, with tax-deductible contributions for the employer and tax-deferred growth for the employees. Flexibility over contributions makes it a good choice for businesses with varying profits.
A Savings Incentive Match Plan for Employees (SIMPLE) allows both the employer and employee to contribute to employee retirement accounts with tax benefits for employer contributions and the ability for employees to make pre-tax contributions. This plan is intended for businesses with steady profits.
Profit-Sharing plans reward employees with a percentage of company profits, although contributions do not have to be based on profits. Employer contributions are discretionary and provide tax benefits for both the employer and employee.
Learn how the right retirement plan can help you grow your retirement portfolio, attract and retain valuable employees, and pursue your retirement goals. Talk to a TD Ameritrade representative today.
Solo 401(k) Plan
What Plan Fits My Business?
Businesses with 1 - 100 employees (corporate employers, non-profits, partnerships)
Who is Able to Contribute?
Employee contributes on own behalf
What are the Contribution Options?
Employee contributions are flexible
Contributions have tax-deferred growth potential
Contributions must be immediately vested
No employer IRS tax filing for the business
Ability to exclude part time employees
Tax deductible plan expenses
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