For consultants, freelancers, real estate investors, and business owners, traditional retirement plans often fall short. Contribution limits are too low, investment menus are too narrow, and the rules feel built for W-2 employees — not entrepreneurs. That’s where the self-directed Solo 401(k) comes in.

A Solo 401(k) is the most powerful retirement structure available to self-employed individuals. Unlike a SEP IRA, it allows you to contribute in two roles — as both the “employee” and the “employer.” In 2025, that means up to $70,000 in tax-advantaged contributions (plus catch-up if you’re over 50). It also unlocks advanced strategies such as the Mega Backdoor Roth, giving high earners access to tax-free growth well beyond the limits of a traditional Roth IRA.

But the real advantage lies in investment control. With a self-directed plan, you’re no longer limited to mutual funds and stocks. Instead, you can use your retirement funds to invest directly in real estate, private equity, notes, and other IRS-approved assets. For professionals looking to diversify into tangible, alternative investments, this is a game-changer.

Of course, with greater freedom comes responsibility. Many investors are nervous about IRS rules, prohibited transactions, and the steep penalties that can follow. At BestSelfDirected.com, we turn compliance into a service advantage. Our platform automates Form 5500-EZ filings, simplifies documentation, and provides expert guidance to help you avoid costly mistakes.

Whether you’re a consultant earning $200K+, a small business owner preparing for growth, or a pre-retiree maximizing catch-up contributions, the Solo 401(k) can become your financial command center.

At BestSelfDirected.com, our mission is to help you maximize contributions, unlock real estate and alternative investments, and stay compliant every step of the way.