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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

Solo 401k

A retirement plan designed especially for businesses without employees.

SEP IRA

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

SIMPLE IRA

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

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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AdChoices

Carefully consider the investment objectives, risks, charges and expenses before investing. A prospectus, obtained by calling 800-669-3900, contains this and other important information about an investment company. Read carefully before investing.

*Offer valid for one new Individual, Joint, or IRA TD Ameritrade account opened by 12/31/2019 and funded within 60 calendar days of account opening. To receive $100 bonus, account must be funded with $25,000- $99,999. To receive $300 bonus, account must be funded with $100,000-$249,999. To receive $600 bonus, account must be funded with $250,000 or more. Offer is not valid on tax-exempt trusts, 401(k) accounts, Keogh plans, profit sharing plans, money purchase plans, accounts managed by TD Ameritrade Investment Management, LLC, TD Ameritrade Institutional accounts, or current TD Ameritrade accounts. Offer is not transferable, is not valid with internal transfers, and is not valid in conjunction with certain other offers.  Limit one offer per client. Account value of the qualifying account must remain equal to, or greater than, the value after the net deposit was made (minus any losses due to trading or market volatility or margin debit balances) for 12 months, or TD Ameritrade may charge the account for the cost of the offer at its sole discretion. TD Ameritrade reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Please allow 3-5 business days for any cash deposits to post to account.  (Offer Code: MKT600)

Taxes related to TD Ameritrade offers are your responsibility. All Promotional items and cash received during the calendar year will be included on your consolidated Form 1099. Please consult a legal or tax advisor for the most recent changes to the U.S. tax code and for rollover eligibility rules.

**Before rolling over a 401(k) to an IRA, be sure to consider your other choices, including keeping it the former employer’s plan, rolling it into a 401(k) at a new employer, or cashing out the account value keeping in mind that taking a lump sum distribution can have adverse tax consequences. Whatever you decide to do be sure to consult with your tax advisor.

Advisory services are provided by TD Ameritrade Investment Management, LLC, a registered investment advisor. Brokerage services provided by TD Ameritrade, Inc. TD Ameritrade Investment Management provides discretionary advisory services for a fee. Risks applicable to any portfolio are those associated with its underlying securities. For more information, please see the Disclosure Brochure (ADV Part 2A).

TD Ameritrade is not responsible for third-party information or services. Names and logos displayed are the property of their respective owners.

All investments involve risks, including the loss of principal invested. Past performance of a security does not guarantee future results or success.

There is no assurance that the investment process will consistently lead to successful investing. Asset allocation and diversification do not eliminate the risk of experiencing investment losses.

Mutual funds are subject to market, exchange rate, political, credit, interest rate and prepayment risks, which vary depending on the type of mutual fund.

ETFs can entail risks similar to direct stock ownership, including market, sector, or industry risks. ETF trading prices may not reflect the net asset value of the underlying securities. Commission fees typically apply.

TD Ameritrade does not provide tax advice. We suggest that you seek the advice of a tax-planning professional specifically suited to the needs of small business owners.

This is not an offer or solicitation in any jurisdiction where we are not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction, including, but not limited to persons residing in Australia, Canada, Hong Kong, Japan, Saudi Arabia, Singapore, UK, and the countries of the European Union.

Brokerage services provided by TD Ameritrade, Inc., member FINRA/ SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2019 TD Ameritrade.