ShareBuilder 401k | Solo 401(k) Plans

Advantages of a ShareBuilder 401K Solo-K Plan

You Save More

Contribute up to $69K/Year

Roth Option

After-tax contributions

401(k) Loans¹

Emergency Access to monies

Contribution Limits
nearly 10x
a Traditional IRA

	Solo 401(k)	IRA
Annual Limit perIndividual	$69,000	$7,000
Age 50+ Catch-Up Amount	$7,500	$1,000
Roth Income Limit	None	$161,000²

How it works:
Setting up a Solo 401(k) in 3 easy steps

Answer a few questions

Answer a few questions about your business to help us determine the core 401(k) plan type that best aligns with your particular business needs.

Review Your Quote

Key Features include Roth 401(k) and loan options. This process takes about 15 minutes.

Purchase your plan

Let us quickly create your plan documents and install the plan for you. This process typically happens within 48 hours.

How it works:
Setting up a Solo 401(k) in 3 easy steps

Answer a Few Questions

Answer a few questions about your business to help us determine the core 401(k) plan type that best aligns with your particular business needs.

Review Your Quote

Key Features include Roth 401(k) and loan options. This process takes about 15 minutes.

Purchase Your Plan

Let us quickly create your plan documents and install the plan for you. This process typically happens within 48 hours.

Compounding Can Really Help Your Savings Add Up

Because earnings in a 401(k) plan compound via market growth, dividends and/or interest, over time your money can grow in an exciting way. In the hypothetical example shown here, you can see how $1,000 could turn into $20,000 over a 40-year career.

This example compares how a one-time investment of $1,000 can grow over time assuming an 8.0% fixed annual rate of return. Your account may earn more or less. This is a hypothetical example only, and not a guarantee of future returns. Actual experience will vary with portfolio selections and changing market conditions. The total account balance does not take into account federal and state income taxes, which will be due upon withdrawal. Assets withdrawn before 59½ may incur a 10% tax penalty.

$20,000
$15,000
$10,000
$5,000
$0	Year 10	Year 20	Year 30	Year 40

Frequently Asked Questions

What is a Solo 401(k)?

Solo 401(k) plans offer self-employed and owner-only businesses high saving limits and tax advantages. Solo 401(k)s allow you to contribute to the plan as both the employer and employee, providing you the ability to maximize your personal retirement contributions and business deductions, while lowering your personal taxes.

What does a ShareBuilder 401k Full-Service Solo 401(k) plan provide?

The ability to support multi-owners and spouses with your plan
Government tax reporting including 1099R and signature-ready Form 5500 if needed
Roth 401(k) feature, Loan option, and allows for account consolidation / rollovers
The capability for one-time, web-based contribution(s) and/or regular automated ACH deposits
Toll-free access to your ShareBuilder 401k advisor and customer care team
Automatic pricing discounts as your assets grow
Set roster of retirement appropriate, index-based investments (ETFs) and a money market

Who is best suited for a Solo 401(k)?

Self-employed, multiple-owner firms without employees, and/or spouses that will contribute more than $6,000 per year.

Date plan must be opened to qualify for this year

A new Solo 401(k) plan must be established by the end of your business tax year (generally December 31st) to qualify for the current year saving and tax benefits.

What are the funding deadlines?

Contributions as an employee (Roth, catch-up, regular), must be made within the business tax year.
Employer contributions (profit share) you make, can be made by your tax deadline for the previous year (April 15th for most)

ShareBuilder 401K has your back