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Small Business

Be the boss of your small business retirement plan Be the boss of your small business retirement plan

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We have a variety of small business retirement plans that offer self-employed, entrepreneurs, and sole proprietors and their employees, tax-advantaged ways to save for retirement. And with flexible funding, tax-deductible contributions, a wide range of investment choices, and higher contribution options than a traditional IRA, we can help you find a plan that's right for your business needs and retirement goals.

Small Business and Self-Employed Retirement Plans

Solo 401kbriefcase

A Solo 401k, also commonly referred to as an individual 401k, 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 if he or she works for you) to boost your retirement savings with higher contribution limits. Both Roth and pre-tax salary deferrals may be permitted.

Solo 401k

SEP IRAportfolio pie charts

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.

 

SEP IRA

SIMPLE IRApiggy bank

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 pre-tax contributions. This plan is intended for businesses with steady profits.

 

SIMPLE IRA

Profit-Sharingaward

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.

Profit-Sharing

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

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 must be 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

 
 

Learn more with our small business retirement account guides

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

Develop a plan for your retirement

Knowledgeable Supportteam of people

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.

Educationtools

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

Build a portfolio that aligns with your goals

Mutual Fund and ETF Screenersinvestment tools

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

Managed Portfolio Solutionsinvestment portfolios

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

Manage and update your plan

Simplify by Consolidating Your Accountsaccounts

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

Manage and Fund on the Gomobile app

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

Flexible Fundingmoney

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

Small Business Retirement Plan Calculatorcalculator

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