TD Ameritrade offers a variety of small business retirement plans that offer self-employed and sole proprietors and their employees tax-advantaged ways to save for retirement. And with flexible funding, tax-deductible contributions, guidance, and a wide range of investment choices, we can help you find a plan that's right for your business needs and retirement goals.
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 if your spouse works for you) to boost your retirement savings with higher contribution limits. Both Roth and pre-tax salary deferrals may be permitted.
SEP IRA
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.
SIMPLE IRA
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.
Profit-Sharing
An incentive-based contribution plan.
Profit-sharing plans reward employees with a percentage of company profits, although contributions do not have to be based on profits. Employer contributions are discretionary and provide tax benefits for both the employer and employee.
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 TD Ameritrade representative today.
Call 800-472-0586
Get the guidance and support you need from TD Ameritrade representatives 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.
Use screeners to narrow down your mutual fund and ETF choices to find the funds that may be right for your plan.
Take advantage of managed portfolios designed to help you pursue your financial needs as they grow and change.
Consider rolling over your old retirement accounts to a TD Ameritrade IRA. It may help you simplify, save time, and stay on track.**
Download our free mobile apps to monitor the market, research investment ideas, and fund while on the go with our mobile check deposit feature.
Develop your own contribution schedule and easily fund with a variety of options including electronic funding, wire transfer, or check.
Solo 401(k) Plan | SEP IRA | SIMPLE IRA | Profit-Sharing |
|
|---|---|---|---|---|
What Plan Fits My Business? | ||||
Businesses with 1 - 100 employees (corporate employers, non-profits, partnerships) | ||||
Who is Able to Contribute? | ||||
Employee contributes on own behalf | ||||
What are the Contribution Options? | ||||
Employee contributions are flexible | ||||
Contributions have tax-deferred growth potential | ||||
Contributions are immediately vested | ||||
Additional Benefits | ||||
No employer IRS tax filing for the business | ||||
Ability to exclude part time employees | ||||
Tax deductible plan expenses | ||||
