Support your self-employed clients with powerful retirement planning options while maintaining your advisory relationship.
As a tax professional, you understand the value of Solo 401(k) plans for your self-employed and small business owner clients. Partnering with specialized providers allows you to focus on tax strategy while ensuring your clients receive expert retirement plan administration.
Provide comprehensive retirement planning solutions without expanding your service beyond tax expertise.
Enable more sophisticated tax strategies for clients through properly structured retirement plans.
Work with a dedicated partner who respects the CPA-client relationship and maintains professional standards.
Solo 401(k) plans must comply with ERISA and IRS regulations. Our service includes:
Enable high-earning self-employed clients to reduce taxable income through substantial pre-tax contributions, both as employee and employer.
Guide clients in balancing traditional pre-tax and Roth after-tax contributions based on current and projected tax situations.
Employer profit-sharing contributions can be made up until tax filing deadlines (including extensions), allowing for year-end tax planning optimization.
For clients with multiple businesses or both W-2 and self-employment income, Solo 401(k) plans require careful contribution coordination an area where your expertise is essential.
Updated for the 2026 tax year.
The IRS periodically updates contribution limits for retirement plans. Below are the key limits applicable for the 2026 tax year.
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Total contributions cannot exceed your earned income from the business.
If your business is unincorporated, contributions are based on net earnings minus half of your self-employment tax and the deduction for contributions.
OwnPath401k operates behind the scenes while you maintain your advisory relationship with the client.
Your branding and relationship remain front and center
We handle plan setup and ongoing administration
Complete documentation and recordkeeping support
Ongoing support for IRS compliance requirements
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Referring clients for Solo 401(k) setup and administration can strengthen your practice while creating additional value:
Clients who receive comprehensive financial solutions through your referral network are more likely to remain long-term clients.
Position your firm as a comprehensive resource that connects clients with trusted specialists for retirement planning needs.
Solo 401(k) clients require annual tax planning for contribution calculations, coordination with other retirement accounts, and potential Form 5500-EZ preparation.
We offer professional referral arrangements in compliance with applicable regulations and professional standards. Contact us to discuss specific terms.
We've designed our process to work harmoniously with your client relationships:
We keep you informed throughout the setup process and provide documentation you need for tax planning purposes.
We handle retirement plan administration while you continue to serve as the primary financial advisor and tax strategist.
Receive contribution summaries and plan details formatted for easy integration into tax preparation workflows.
Connect directly with our team for questions about plan provisions, contribution limits, and compliance matters.
Solo 401(k) plans must comply with ERISA and IRS regulations. Our service includes:
Pre-approved or individually designed plan documents that meet current regulatory requirements.
Assistance determining maximum allowable contributions based on income, business structure, and applicable limits.
Guidance and preparation assistance for required annual filings when plan assets exceed $250,000.
Ongoing plan document amendments and communication regarding changes to contribution limits and regulations.
Partnership Approach: We handle plan administration compliance while you focus on tax compliance and strategic planning. This division of responsibilities ensures your clients receive comprehensive, coordinated service.
Recognize self-employed clients who may benefit from a Solo 401(k) plan based on their business structure and retirement savings goals.
Review the potential benefits with your client and how a Solo 401(k) fits into their overall tax and retirement planning strategy.
Guide your client through the establishment process. We handle the administrative details while you maintain the advisory relationship.
Book a call to discuss how OwnPath401k can support your clients and strengthen your advisory services.
Schedule a consultation to discuss your Solo 401(k) questions and explore whether this retirement plan structure is right for you.
Disclaimer: This website provides educational information only and does not constitute tax, legal, or investment advice. Please consult with qualified professionals regarding your specific situation. Solo 401(k) plans may not be suitable for all individuals.
