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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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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.

 

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SIMPLE IRA

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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Profit-Sharing

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.

 

Learn More

 

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

SEP IRA

SIMPLE IRA

Profit-Sharing

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

 

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

Develop a plan for your retirement

Retirement Tools

The Small Business Retirement Plan Selector will help you determine the retirement plan that is best for you and your business. Once you have a plan, use the Retirement Calculator to see if you are on track to meet your retirement goals.

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.

Education

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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