#small business retirement

3개의 글

July 24, 2026

Defined Benefit Plans for Small-Business Owners 2026: Maxing Pre-Tax Contributions for High Earners

A practical 2026 guide to defined benefit (DB) and cash balance pension plans for high-income self-employed and small-business owners: how they allow pre-tax contributions far above 401k limits, how the actuary sets the funding target, pairing with a 401k and profit-sharing plan, employee-coverage cost, funding rigidity, freezing and terminating, setup and admin costs, and common mistakes.

defined benefit plan cash balance plan small business retirement

July 23, 2026

SEP-IRA for the Self-Employed 2026: How the Contribution Math and Deadlines Actually Work

A practical SEP-IRA guide for freelancers, sole proprietors, and 1099 contractors in 2026. How the 25% employer contribution works, the ~20% net self-employment math, the employee-coverage catch, late funding deadlines, and how it compares to a Solo 401(k) and SIMPLE IRA.

SEP-IRA self-employed retirement freelancer taxes

July 16, 2026

Solo 401(k) for the Self-Employed 2026: The Retirement Account That Beats a SEP-IRA

A 2026 guide to the Solo 401(k) for self-employed business owners. How the dual employee-plus-employer contribution works, current limits and catch-ups, the Roth and mega-backdoor angle, how it compares to a SEP-IRA and SIMPLE, deadlines, loans, and Form 5500-EZ.

Solo 401k Individual 401k self-employed retirement