Your Business. Your Success. Your Retirement.
As a business owner, you work hard to grow your business and create financial independence. Your retirement savings deserve the same attention and strategy.
Schedule Your Solo 401(k) ConsultationWork for Yourself. Build Wealth for Your Future.
At Grass Capital, we help self-employed professionals and business owners establish and manage Solo 401(k) retirement plans designed to maximize retirement savings opportunities, provide valuable tax advantages, and support long-term wealth creation.
Whether you’re an independent consultant, freelancer, entrepreneur, or owner of a growing business, a Solo 401(k) can be a powerful way to turn today’s business success into tomorrow’s financial security.
Why Choose a Solo 401(k)?
A Solo 401(k), also known as an Individual 401(k), is a retirement savings plan designed for self-employed individuals and business owners with no eligible employees other than themselves and, potentially, their spouse.
Unlike many traditional retirement accounts, a Solo 401(k) allows eligible business owners to contribute in two capacities: as both the employee and the employer.
This unique structure creates opportunities to save more for retirement while managing taxable income.
Plus eligible catch-up contributions. Actual limits depend on compensation, age, and applicable plan rules.
Key Benefits
Maximize Your Retirement Contributions
Take advantage of both employee salary deferrals and employer contributions, potentially allowing substantially higher retirement savings than a traditional or Roth IRA.
Potential Tax Savings
Traditional contributions may help reduce current taxable income, while Roth contributions can provide opportunities for tax-free qualified withdrawals in retirement.
Flexible Contribution Options
Adjust contributions based on your business income, cash flow, and retirement goals, subject to applicable IRS limits and plan rules.
Investment Flexibility
Build a retirement investment strategy aligned with your risk tolerance, financial objectives, and long-term investment horizon.
Retirement Savings for Your Spouse
If your spouse works in your business and meets plan eligibility requirements, they may also be able to participate and make retirement contributions.
Business Owner Control
Enjoy a retirement plan tailored to your business without the complexity of a traditional large-employer retirement program.
Simplifying Retirement Planning for Business Owners
Solo 401(k) Plan Setup
We guide you through evaluating and establishing a Solo 401(k) plan suited to your business structure, retirement objectives, and eligibility requirements.
Contribution & Tax-Aware Planning
We help you evaluate employee and employer contribution opportunities, Traditional versus Roth options, and contribution strategies based on your business income and financial goals.
Investment Management
Develop a personalized retirement investment portfolio designed around your time horizon, risk tolerance, and long-term financial objectives.
Retirement Account Consolidation
Explore eligible rollover opportunities from existing retirement accounts to help simplify your retirement savings and improve coordination across your investments.
Ongoing Retirement Planning
As your business and financial circumstances evolve, we help review your retirement savings strategy, investment allocations, and long-term retirement objectives.
Who Can Benefit From a Solo 401(k)?
Solo 401(k) plans may be particularly attractive for:
- Self-employed professionals and consultants
- Independent contractors and freelancers
- Sole proprietors and single-member LLC owners
- S-Corporation and C-Corporation owner-employees
- Entrepreneurs and eligible family-owned businesses
- Individuals with qualifying self-employment income from a side business
Eligibility depends on your business circumstances and whether you employ workers who must be covered under retirement plan rules.
Take Control of Your Retirement Future
Running your own business gives you the freedom to shape your career. Your retirement plan should help you shape your financial future.
At Grass Capital, we combine personalized retirement planning with investment management expertise to help you make informed decisions, pursue tax-efficient savings opportunities, and build wealth for the years ahead.
You’re Building a Business Today. Let’s Build Your Retirement for Tomorrow.
Schedule Your Solo 401(k) ConsultationImportant Disclosure: Grass Capital LLC provides investment advisory and retirement planning services. Solo 401(k) eligibility, contribution limits, tax treatment, and plan features depend on individual circumstances, applicable IRS regulations, and the specific plan document. Investment returns are not guaranteed. Grass Capital does not provide legal or tax advice. Clients should consult qualified tax and legal professionals regarding plan establishment, contributions, and applicable compliance requirements.
Schedule your call.
Tell us a little about your situation and we will come back to you with a time. Thirty minutes, no cost, no obligation.