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Roth Academy

For Business Owners

Build Your RetirementAround Your Business.

A self-directed 401(k) is built for owners who want their retirement plan to work as hard as they do, with room for the assets you already understand.

Built primarily for owner-only businesses, sole proprietors, partnerships, and corporations with no full-time employees other than an owner or spouse.

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The Benefits

What Is ASelf-Directed 401(k)?

A self-directed 401(k) is a qualified retirement plan designed for your business, administered under the same IRS rules that govern any 401(k), with a plan document that opens the door to a wider range of assets.

Instead of choosing from a fixed list of mutual funds, the plan can hold real estate, private lending, and other alternative investments alongside traditional ones, all inside one tax-advantaged structure.

  • Higher contribution limits than a traditional IRA
  • Checkbook-level control over plan investments
  • A built-in loan provision, when the plan document allows it
  • Both Roth and traditional contribution options
  • Coverage for a spouse actively employed by the business
Self-directed 401(k) plan documents

Who It Fits

Built ForBusiness Owners.

  1. 01

    Owner-Only Businesses

    Sole proprietors, partnerships, and corporations with no full-time employees other than an owner or spouse.

  2. 02

    Ready To Contribute More

    Owners who want higher contribution limits than a traditional IRA allows.

  3. 03

    Hands-On Investors

    Anyone who wants checkbook-level control over their plan's investments.

Inside The Plan

What Your PlanCan Hold.

Use your self-directed 401(k) to invest in opportunities you already understand.

One Account.Many Markets.

Investment availability depends on the account, provider, and applicable rules. The academy does not recommend or custody investments.

What You Get

PackageInclusions.

Everything needed to establish and maintain your self-directed 401(k).

  • Plan document package built for your business
  • Account setup coordination with your chosen provider
  • Rollover and contribution guidance
  • Team support through setup and your first transaction

The Setup Journey

Get The StartRight.

The proposal confirms the work included in your setup. These are the questions the process is built around.

  1. 01

    Business & Eligibility

    Review your business, ownership, participants, other employers or plans, and what the arrangement needs to support.

  2. 02

    The Plan Documents

    Define the plan document package and the features appropriate to the reviewed circumstances.

  3. 03

    Accounts & Funding

    Prepare the information for the account providers and coordinate the proposed contribution or rollover questions.

  4. 04

    The Work After Setup

    Know the records, administration, and transaction responsibilities that come with using your plan.

Before Your Next Move

401(k) Questions.Answered.

Read the IRS overview of one-participant 401(k) plans
Explore the other starting pointSelf-Directed IRA

A More Independent Tomorrow

Make It Count.

Your goals deserve more than a standard plan. Open a plan and put your retirement money to work.

Open My 401(k)Ask a Question