Best Self-Employed Retirement Plans (Solo 401k, Solo Roth 401k, Roth IRA, SEP IRA)

by | Aug 15, 2022 | 401k | 33 comments

Best Self-Employed Retirement Plans (Solo 401k, Solo Roth 401k, Roth IRA, SEP IRA)




Best Self-Employed Retirement Plans (Solo 401k, Solo Roth 401k, Roth IRA, SEP IRA)
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If you are self-employed it’s important to set up a retirement plan for yourself. In this video what’s the best retirement plan for your situation (Solo 401k, Solo Roth 401k, Roth IRA, SEP IRA) and the pros and cons for each.

Here are some tax deduction tips that can help you save you massive amounts of money on your taxes and stay on top of your business finances.

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Watch this video until the end to avoid overpaying Uncle Sam and to start making the most out of your real estate business!

*Disclaimer: I am not a financial advisor nor am I an attorney. I am a licensed Enrolled Agent. This information is for entertainment purposes only. It is highly recommended that you speak with a tax professional or tax attorney before performing any of the strategies mentioned in this video. Thank you.

*Disclaimer: I am not a financial advisor nor am I an attorney. This information is for entertainment purposes only. It is highly recommended that you speak with a tax professional or tax attorney before performing any of the strategies mentioned in this video. Thank you….(read more)


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33 Comments

  1. A1-Drone Shots UAS

    Great content with great explanations for business owners. Thank you!

  2. Fabiano Pina

    First video of yours that i ran into. Are your consultations free? Im not happy with my current cpa and may be in the market.

  3. Ellie

    Wait wait wait! You said 1. the 401k could give tax breaks but you’re taxes upon withdrawal 2. The Roth 401k has no tax breaks but tax free withdrawal , but what about the solo Roth IRA ?? Does the solo have tax breaks and is it taxed at withdrawal??

  4. Max M

    For the Roth 401k can you take out contributions before 5 years or no? And when are the profits able to be taken out tax free?

  5. Vineel Pusarla

    Hi, Thanks for the great video!!! Whenever we switch employer we can move our 401k funds to rollover IRA. In business if I contribute to solo roth 401k when can we move funds to roth ira? only when we close the business?

  6. Cliff Stafford, Jr

    Phenomenal breakdown and clarity on these plans. I have a SEP-IRA that I just setup and will rollover my current 401K to a traditional when I transition to full time working in my business

  7. maria sandra

    I had a chat with a fiduciary whom I came across today. she’s a pro and we got talking about investment and money. I was in shock when she told me that investing $2000 monthly in ETF and STOCKS with an average of 12% compounding annually in 20 years will give me $1 million. It gets even more interesting. The total contributed is $480,000 whereas interest earned is around $4,224,000. Crazy right! I immediately got investing as I don’t want to miss out on the opportunity.

  8. blackezi3

    I'm a Business Tax Planner for people who are looking exit and sell their Businesses, and this was AMAZING information

  9. Bea's Bayou

    Best explanations I’ve heard that I can follow. Thank you!

  10. Chantay Moore

    Great info and video!

  11. Wendi Baker

    good information as I have just started the foundation for an e-commerce business. Through this program there is a discount for setting up a Single-Owner LLC, I would only then need to pay the state fee amount. I don't have even the money for that, but wonder if I can just start selling as an individual – without starting a business. With all the new information I am consuming, I hadn't thought about my retirement (which at this point could be never). Thanks for being so concise in your explanations. I've saved several of your vids.

  12. Dorsey Spencer

    Who do you get
    to fight to make sure you get your money..MAN not enough side organization.

  13. Dorsey Spencer

    Can you beleive they only hive you
    $25 for every 500 points.

    00

  14. Dorsey Spencer

    I think I need an attorney

  15. Dorsey Spencer

    lm loosing a lot of money but my familys and neighbors are benefiting.

  16. Dorsey Spencer

    I just kicked 2000 points which equal $100.00
    Now meed the money transfered to wallet
    Please assist me

  17. Dorsey Spencer

    Hey LLC lianiity your last video not working for me.So now Imoving on .Crypto globalization.

  18. vkguda

    Hello Karlton, I would like to make a suggestion to review your comment that 401k "Limits are per person not per plan". There's more to it than your commentary suggested. Yes, $19500 limit is per person, meaning a person can contribute upto $19500 towards pre-tax/ROTH 401k plan across all his/her 401k plans (if a person has side hustle(s) in addition to a day job where this person contributes to an employer-sponsored 401k). However, the $58000 limit (for 2021) is not across all 401k plans. If the person's 401k plans are not related (I suggest the readers to read IRS rules for specifics on what this means), this person can contribute $58000 through Solo-401k in the form of employer's (here, employer is the same as employee as the Solo-401k is for self-employed individuals) profit-sharing contribution (25% of W2 wages) and voluntary after-tax contributions ($58000 – employer's profit-sharing contribution – 25$ of W2 wages). However, voluntary-after-tax contributions are not very common. In summary, a person contributing $19500 through his/her employer-sponsored 401k plan can still contribute additional $58,000 through Solo-401k (established for his self-employment or business (so-called side hustle)) in the form of employer profit-sharing contribution +voluntary after-tax contribution.

    Please let me know if your research suggests otherwise, I would delete my comment.

  19. JahSun

    LET'S GOOOOOO!!!

  20. Danielle Trejo

    This is one of the best videos for retirement I’ve seen in a while. Specifically like the solo 401K portion! Thank you for putting this video out!

  21. William John

    Retirement is wonderful if you have two essentials — much to live on and much to live for. Invest wisely and get good returns.

  22. Travis Huber

    Ok so maybe a dumb question on the SOLO 401k. If I set up a holding company for my company with employees and that company 100% owns the one with employees but I am the only employee of the holding company would I still be able to do the SOLO 401k?

  23. Puneet Jajoo JR

    Big ups to everyone working effortlessly trying to earn a living. I’m 50 and my wife 44 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. Saving and investing lifestyle in the financial market made it possible for us this early even till now we earn monthly.
    Thanks to fire movement.

  24. mike croslin

    How many people over 50 watching this

  25. Wolf Warrior

    More great content. Thank you.

  26. Money Mel Jr

    Karlton, You the G.A.O.T brother!!!

  27. Blaque Beauti

    @KarltonDennis how are you? I recently stopped working and I had a 401k. Can I transfer that 401k to my business?

  28. Zaqane Efraiym Bridges

    Thanks for the info. Didn’t know about that last option.

    How can I talk with you about my business and make a custom plan to help me (single member LLC that may start filing as a S Corp next year).

    Can you have someone reach out to me or give me an email/number. I’ve had a hard time finding real expertise in My area of the country.

  29. forexlopez

    Karlton what information can you advise for us who are self employed and want to invest on crypto currency on the tax side of it ? Will it be treated as a retirement option?

    Thanks,
    You always have great content!

    Thanks

  30. Daniel Odutola

    This was the perfect timing! I am an employee but wanna start be self employed part time. Will this also apply to me?

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