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Small Business

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Retirement plan choices designed to fit your needs

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Whether you’re self-employed and need to fund your own retirement or a small business owner looking to plan a financial future for you and your employees, TD Ameritrade offers a variety of retirement plans to fit your needs. With flexible funding, affordable investment choices, and helpful support, you can feel confident in the pursuit of your retirement goals.

Call 800-472-0586 to talk to a retirement consultant about a plan that's right for you.

Small Business and Self-Employed Retirement Plans

Solo 401(k)

A 401(k) plan designed especially for businesses without employees.


A Solo 401(k), also commonly referred to as an Individual 401(k), is for self-employed individuals without full-time employees. By allowing you to contribute as both the employer and the employee, this plan enables you (and your spouse) to boost your retirement savings with higher contribution limits.


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A 100% employer-funded retirement plan for businesses with or without employees.


A Simplified Employee Pension (SEP) IRA is a plan completely funded by the employer. This plan benefits both the employer and employees, with tax-deductible contributions for the employer and tax-deferred growth for the employees. Flexibility over contributions makes it a good choice for businesses with varying profits.


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A matching plan for businesses with employees that is funded by both employer and employee contributions.


A Savings Incentive Match Plan for Employees (SIMPLE) allows both the employer and employee to contribute to employee retirement accounts, with tax benefits for employer contributions and the ability for employees to make pretax contributions. This plan is intended for businesses with steady profits.


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An incentive-based contribution plan.


Profit-sharing plans reward employees with a percentage of company profits. Employer contributions are discretionary and provide tax benefits for both the employer and employee.


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Learn how the right retirement plan can help you grow your retirement portfolio, attract and retain valuable employees, and pursue your retirement goals. Talk to a retirement consultant today.
Call 800-472-0586

Compare small business retirement plans

Solo 401(k) Plan




What Plan Fits My Business?

Self-employed individuals without any full-time employees (other than my spouse or business partner)



Businesses with 1 - 100 employees (corporate employers, non-profits, partnerships)




Who is Able to Contribute?

Employer contributes on employees behalf





Employee contributes on own behalf


What are the Contribution Options?

Employer contributions are tax-deductible





Employee contributions are flexible


Contributions have tax-deferred growth potential


Contributions are immediately vested


Additional Benefits

Optional loan provisions



No employer IRS tax filing for the business


Ability to exclude part time employees


Tax deductible plan expenses


Metric data as of February 11, 2016

**Number of ETFs as of February 12, 2016

Take control of your retirement with our tools, guidance and support

Develop a plan for your retirement

Knowledgeable Support

Get the guidance and support you need from Retirement Consultants who can help bring your assets together, and Financial Consultants who can help guide your individual strategy on the way to your goals.


Check out our free educational resources for help with building, managing, and maintaining your retirement strategy.

Build a portfolio that aligns with your goals

Investment Products

Expand your retirement portfolio with our wide array of investment products - from ETFs and mutual funds to equities, options, and more.

TD Ameritrade Investment Management Managed Portfolios

Take advantage of managed portfolios designed to help meet your financial needs as they grow and change.

Mutual Fund and ETF Screeners

Use screeners to narrow down your mutual fund and ETF choices to find the funds that may be right for your plan.

Manage and update your plan easily over time

Consolidate Your Accounts

Consider rolling over your old retirement accounts to a TD Ameritrade IRA. It may help you simplify, save time, and stay on track.

Mobile App

Download our free mobile apps to monitor the market, research investment ideas, and fund while on the go.

Flexible Funding

Develop your own contribution schedule and easily fund with a variety of options including electronic funding, wire transfer, or check.

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