Roth Solo 401k

The Roth Solo 401k offers a powerful tax-free solution for your retirement savings. The plan is funded by after-tax dollars, which means you gain tax-free growth, tax-free investments, and tax-free withdrawals. Although the Roth Solo 401k does not give a tax break up front, it does offer powerful tax solutions over the long term.

The Roth Solo 401k combines the advantages of the Solo 401k with the tax benefits of the Roth IRA. 

High Contribution Limit & No Income Restriction

The Roth Solo 401k allows up to $26,000 in after-tax dollars to be contributed per year (for 2020) while the Roth IRA only allows a maximum of $7,000 in annual contributions. Unlike the Roth IRA, there is no income restriction to contribute to a Roth Solo 401k.

The plan’s high contribution limit allows participants to save large amounts of tax-free dollars for retirement.  Those savings can be grown, invested, and diversified to become a secure, tax-free source of income for retirement. If passed on to one’s heirs, it would provide a tax-free inheritance for them.

“A good man leaves an inheritance to his children’s children.”

Proverbs 13:22

Other Advantages

Checkbook Control

Roth Solo 401k with Checkbook Control

Participants of the Roth Solo 401k Plan offered by Sense Financial have checkbook control over the account.  The participant is trustee of the account and can invest the funds by simply writing a check or wiring funds.  Investments can be made simply and quickly.

Alternate investment options you get with a Self Directed Solo 401k:

Real Estate

Precious Metals

Private Business

Stock & Funds

Private Lending

Tax Deeds/Liens

Financial Concepts that Make Sense!

Greater Flexibility. Investment Freedom. Hassle-Free Management.

Our expert team is always ready to answer you! Give us a call at (949) 228-9394. You can email us at

Live Q&A Session: Wednesday April 12th 11:00 PST