Other People's Money
Back to library
Retirement

ROBS (Rollovers as Business Startups)

Use 401(k)/IRA to fund a business — no tax, no loan.

Overview

Roll retirement funds into a new C-corp 401(k), which invests in company stock. $50K–$1M+ deployed tax-free into your acquired or new business. Compliance is strict.

Best fit
Business buyersFranchise buyersCareer pivots w/ 401(k)
Estimated impact
Avoid 10% penalty + income tax on withdrawal

Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.

More retirement strategies

See all Retirement strategies
OPM