The 10-Minute Video That Shows You How to Legally Shelter $10,000 to $72,000 From Taxes This Year
For self-employed professionals, 1099 contractors & solo business owners.
Free · No obligation · Takes about 2 minutes
Partnered with Solo 401(k)–specific banks & custodians
Real Numbers, Not Theory
That's how much you can legally move out of this year's taxable income and into your own retirement plan, sheltered from taxes, not just delayed.
You serve as Trustee, Plan Administrator, and Fiduciary of your own plan, so no outside custodian has to approve a deal before you write the check.
Every Solo 401(k) includes a built-in Roth option, so qualifying gains can grow and come out completely tax-free in retirement, not just tax-deferred.
Your Solo 401(k) can lend you up to $50,000 for fast liquidity, so you're never stuck waiting on a bank to move on a deal.
The System Wasn't Built
for the Self-Employed
Traditional financial advisors focus on corporate employees with big employer 401(k)s. If you're a 1099 contractor, freelancer, or solo business owner, you've probably been left out, and here's what that silence is actually costing you.
- 01
Self-employment tax alone eats 15.3% off the top before income tax even shows up, and most 1099 earners never plan around it.
- 02
The traditional IRA caps you at just $7,500 a year, nowhere near enough to build a real retirement on self-employed income.
- 03
Every dollar you earn above living expenses gets taxed at 22%, 24%, even 32% ordinary income rates. Gone. Not compounding.
- 04
Wall Street lock-in: your money sits in funds you don't control, in markets you don't understand, on someone else's timeline.
- 05
Personal asset exposure: without the right structure, a single lawsuit or bad tenant can reach into your retirement savings.
- 06
No liquidity when you need it, and no clean answer for the Form 5500-EZ paperwork once your plan crosses $250K in assets.
of every extra dollar you earn can disappear to ordinary income tax, before you've saved a cent of it toward retirement.
Maximum potential annual contribution* sheltered from taxes as both employee and employer of your own business, up to $80,000 with catch-up if you're 50+.
*2026 IRS limits. Your actual maximum depends on age, income, and business structure.
You Can Be Both the Employee and the Employer
That's what makes the Solo 401(k) the most powerful retirement account in the U.S. tax code for self-employed people, and almost nobody knows it exists.
- Employee and employer contributions, both roles filled by a single person: you.
- An optional Roth component, so part of your retirement can grow completely tax-free.
- Loan provisions that IRAs simply don't allow.
- Full checkbook control and access to alternative assets like real estate, since you're the Trustee, not a bank or custodian.
Invest in What You Actually Understand
How Does a Solo 401(k) Stack Up?
| Feature | Solo 401(k) Best Choice | SEP IRA | SIMPLE IRA | Traditional IRA |
|---|---|---|---|---|
| 2026 Contribution Limit | $72,000 | $72,000 | $17,000 | $7,500 |
| Catch-Up (Age 50+) | Up to $8,000 | None | Up to $4,000 | $1,100 |
| Max Total (50+) | $80,000 | $72,000 | $21,000 | $8,600 |
| Roth Option | Yes | No | No | Roth IRA separate |
| Loan Provisions | Up to $50,000 | None | None | None |
| Employee + Employer Contributions | Both | Employer only | Both (capped low) | Employee only |
| External Custodian Required | None, self-trusteed | Required | Required | Required |
| Checkbook Control | Built in | Requires separate LLC | Requires separate LLC | Requires separate LLC |
| UBTI Exempt on Leveraged RE* | Yes | Subject to UBTI | Subject to UBTI | Subject to UBTI |
| Life Insurance Allowed | Yes, limited | No | No | No |
| Annual Filing Requirement | Form 5500-EZ if assets > $250K | Form 5498 | Form 5498 | Form 5498 |
2026 IRS limits shown. Individual eligibility and contribution capacity depend on age, income, and business structure. *UBTI exemption on leveraged real estate applies only when the acquisition debt and property meet IRC §514(c)(9) requirements — consult a tax professional for your situation.
“I built Survival 401k specifically to serve the self-employed community that the big institutions ignore.”
Based in San Antonio, Texas, and working with self-employed professionals nationwide, handling the plan document and the ongoing compliance, so you can serve as your own Trustee, Plan Administrator, and Fiduciary and just focus on building wealth.
“One of my clients, a freelance consultant based in Texas, had been earning six figures for four years without a retirement plan. After we set up a properly structured Solo 401(k), she sheltered more than $18,000 from taxes in year one alone.”
Here's Exactly What You Get,
Plus a $100 Setup Voucher
- A fully compliant Solo 401(k) plan document, tailored to your specific business structure.
- Full guidance on your role as Trustee, Plan Administrator, and Fiduciary, with no outside custodian required.
- Education on the benefits of using an LLC inside your Solo 401(k), including how an LLC can sponsor your plan for added asset protection and investment flexibility.
- Ongoing support for contributions, loans, and compliance questions.
- A free 30-minute strategy call with Ross personally, to confirm you're eligible and design the right structure for your situation.
Claim Your $100 Setup Voucher
Enter your details below to receive your $100 savings code, a copy of the Solo 401(k) guide, and next steps for setting up your plan.
Free · No obligation · Takes about 2 minutes
Questions Worth Asking
Every Month You Wait Is
a Contribution Window
You Can't Get Back
Claiming your $100 setup voucher is free, there's no obligation, and it takes about 2 minutes. If it's not right for you, you've lost nothing but two minutes, and you'll still know exactly what your retirement options are. But 2026 Solo 401(k) contributions have to come from 2026 self-employment income.
Or call (833) 224-5517 to talk with our team directly.