Retirement contribution maximizer.

Solo 401(k), SEP-IRA, and SIMPLE IRA: Which Retirement Plan Is Right for Your Business?

The three main retirement plans for self-employed business owners compared — contribution limits, who qualifies, deadline rules, and when each one makes sense. With 2025 limits.

Defined Benefit and Cash Balance Plans: The High-Income Owner's $200,000+ Deduction

Solo 401(k) contributions cap out around $70,000. A cash balance plan can let a profitable business owner deduct $150,000 to $350,000 per year — dramatically lowering current-year tax bills while building a guaranteed retirement benefit.

Backdoor Roth IRA: How High-Income Earners Get Money Into a Roth

High earners above the Roth IRA income limit can contribute via the backdoor — contribute nondeductibly to a traditional IRA, then immediately convert to Roth. The pro-rata trap, how to avoid it, and the mega backdoor Roth for up to $46,500/year.

SEP IRA vs Solo 401(k): Which Is Better for the Self-Employed?

Both plans let self-employed people shelter up to $72,000 in 2026, but they work differently — in contribution deadlines, Roth options, catch-up contributions, and administrative complexity.