IRA Financial Group

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Millions Have Invested in the Self-Employment 401(k)

Learn the Advantages of the Self-Employment 401(k)

  • Contribute up to $62,000
  • Checkbook Control – No Transaction Fees
  • Make any investment tax-free
  • Borrow up to $50,000 tax and penalty free

Why Choose IRA Financial

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“What about your IRA, including rollover IRA? You need to look at state law, advises tax attorney Adam Bergman of New York’s IRA Financial Group.”

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“Adam Bergman…gets several calls a day from clients like McDermott looking to invest their retirement funds in real estate. ‘Our average client has retirement accounts of about $150,000 and is looking to buy one or two properties.'”

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“Jeff Brown…transferred roughly $50,000 from his workplace 401(k) to purchase homes to fix up and sell…He uses a self-directed IRA that he set up through IRA Financial Group in Miami Beach.”

ira financial group Self Employment 401K clients

12,000+ clients

Our tax and ERISA experts have helped over 12,000 clients invest $4 billion in alternative assets.

Self Employment 401K books by ira financial group

7 books

IRA Financial Group’s founder, Adam Bergman, is the author of seven books on Self-Directed IRA retirement plans.

Self Employment 401K forbes articles by ira financial group


Bergman is a frequent contributor to and is an official member of the Forbes Financial Council.

Self-Employment 401k

Self-Employed 401(k) Contribution Limits

Are you self-employed? Start making higher contributions with the Self Employment 401(k) Plan. If you’re 50 and older, make a maximum employee deferral contribution of $25,500. If you’re 50 and younger, you can contribute up to $19,000!.

Control Your Investments

The self-employed 401(k) plan offers checkbook control, which gives you complete control over your retirement funds. You can also make practically any type of investment in assets you know and understand, such as real-estate, tax-liens and cryptocurrency.

Best Self-Employed 401(k)

This is the best self-employed 401(k) for small business owners and individuals who receive self-employment income. With the Self-Employment 401(k), you can take out a loan of up to $50,000 or 50% of your account value. Use this loan penalty-free for any purpose

Benefits of Self-Employed 401(k)

Compare to the SEP IRA

The Self-Employed 401(k) lets you reach your maximum savings amount easier than an SEP IRA. Additionally, the plan offers a loan feature that lets you to borrow up to $50,000 tax-free. Unlike a SEP IRA, IRA Financial’s Self-Employment 401(k) includes a Roth feature so you can make tax-free investments in what you know and understand, such as real estate.

Make Contributions After 70 ½

Unlike a traditional IRA, you can make contributions to your Self-Employed 401(k) after age 70 ½. Continue funding your plan without ever having to take out an RMD (required minimum distribution). If you have a Roth Self-Employment 401(k), there’s no RMD at all.

Better Creditor Protection

With the Self-Employment 401(k), rest easy that your retirement account is less likely to be attacked. The Self-Employed 401(k) often has better creditor protection than a Traditional IRA. This protects your IRA from creditor attacks inside or outside of bankruptcy.

Why Choose the Self-Employed 401(k)

The self-employed 401(k) Plan is unique, because it was specifically created for small business owners and other self-employed individuals. The many features it offers plan participants who adopt it is what makes it the best Self-Employed 401(k) Plan.

Employer Contribution

In addition to contributing as an employee, you can make employer contributions. This is called the Employer Profit Sharing Contribution. Make additional contributions of up to 25% of your self-employment compensation.

Total Account Transparency

With IRA Financial’s Self-Managed IRA Plan, get checkbook control over your retirement funds for one flat annual fee. Receive complete account transparency. There are no surprise fees, like valuation and transaction fees. Invest your Self-Employment 401(k) how you want while IRA Financial handles all IRS reporting.

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