Solo 401(k) vs. SEP IRA – Making The Right Choice

by | Aug 13, 2022 | SEP IRA | 27 comments

Solo 401(k) vs. SEP IRA – Making The Right Choice




You’re self-employed or a small business with no full-time employees. In this video podcast, President of IRA Financial Group, Adam Bergman, explains why you should choose the Solo 401(k) over the SEP IRA.

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Adam Bergman founded IRA Financial Group and IRA Financial Trust. Prior, he was a tax attorney at some of the largest law firms in the country, including White & Case LLP. He’s written 7 books on the taxation of Self-Directed IRA and 401(k) plans and is a frequent contributor to Forbes.com as well as a member of the Forbes Finance Council. IRAFG was founded to help educate Americans about self-directed retirement investments, empowering them to gain control over their funds.

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27 Comments

  1. Minal Patel

    Hi Adam….thank you for the video and sharing your knowledge. Question if someone made $300,00 as sole owner of a LLC acting as S corp for tax purposes is there any benefit to doing solo K over SEP IRA since you max the $58K contribution limit for 2021?

  2. Nicholas Jones, CPA

    Just got my documents and I’m glad I ran into your videos and firm. As a CPA I’ve been very against the fees other firms charge. I’m blown away your setup fees and ongoing fees. They are well below competitors and your team has been very responsive. My goal is to make a video about this for my clients and I’m sure many will follow me!!

  3. Rick B

    What if I have a business income and a W2 job? In the W2 job if I max out my 19k and 57k or whatever the current year limits are, can I also do a solo 401k up to the 19k / 57k amounts?

  4. asrickman1

    Thank You!

  5. Nahun Mancia

    Thank you for the video. Very helpful!

  6. olympicfireball

    Can you do both if you are maxing out all tax advantaged first?

  7. Fluent_In_Finance

    Hi, great video! I have a question. I manage an Airbnb with a friend. It's my main income. Would opening a solo 401k be better for me?

  8. aibochan

    Excellent video

  9. Mariela Vazquez

    Very smart, but I wish the music wasn't there.

  10. Jen Salcedo

    Thank you for the info. Shoulda seen this before I opened my SEP IRA

  11. Ramanuj Patro

    Create some presentation instead of just speaking

  12. NAM LY

    Thank you very much

  13. N Berger

    You really lost me around the 4:37 minute mark. Why 27k for solo and only 8 for sep Ira. Sorry I’m slow

  14. Chris Garner

    I like the solo 401k option expect for know I have tne ability to take a loan with money that will be used for retirement. Can you have your solo 401k canceled if you’re only putting in money periodically?

  15. Edna Markaddy

    Very helpful! Thank you very much.

  16. Gabe Law

    Solo 401(k) is not an option with employees correct?

  17. Asha S

    I am a single member LLC. Thinking of converting to an S-Corp next year. Do I have to wait till I become an S-Corp before getting a Solo 401K and making deferral and profit sharing contributions?

  18. Who_Dat?

    Why do you have a laptop and a projector in this presentation without using it? It would nice to see the presentation……

  19. Jose Lustre

    Great video! Thank you for explaining this so succinctly and well. You've earned a new subscriber!

  20. Radean1

    Could you have an individual, Roth IRA and a Solo 401k?

  21. Dapo Olagbaju

    You mentioned something about life insurance with Solo 401k….how does that work??

  22. Brandon Tran

    Amazing explanation. I've been trying to get these answers and haven't been able to find something that clarifies it as well as this video. Thank you!

  23. jRb

    Thank you. Helpful presentation.

  24. stephen rider

    Thank you Alan for this information. Was doing doing research on this because I just started my business and your explanation made the decision very easy.

  25. 1notgilty

    This video has GREAT information that I did not know before. I'll be looking into the Solo 401 (K) for my retirement planning. Thanks!

  26. Blue Moon

    … is this something a person could do with their SS benefits…? Would there be any advantage to it … or are there better options ? I am not dependent (at least right now) on my SS income …

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