One-person business — shelter $300K+/yr across combined plans.
Solo 401(k) allows ~$69K/yr in deferrals + profit share. Layer a Defined Benefit / Cash Balance plan on top and total shelter can exceed $300K/yr for a 50-year-old owner. Requires actuarial funding, IRS Form 5500, and consistent income. Best for high-margin solo practitioners, consultants, and 1099 professionals with no full-time employees.
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Shelter $69K/yr and borrow up to $50K from yourself.
Invest retirement funds in real estate, private equity, notes.
Use 401(k)/IRA to fund a business — no tax, no loan.
Shelter $100K–$300K+/yr for high-earning owner-only businesses.
Get $46K+/yr into Roth despite income limits.
Pre-tax in, tax-free growth, tax-free out — the only triple-tax account.
Borrow up to $50k against your own retirement — pay yourself interest.
Triple tax-free vehicle — the best account in the code.