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Open a small business retirement plan today

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We have a variety of small business retirement plans that offer self-employed, entrepreneurs, and sole proprietors and their employees, tax-advantaged ways to save for retirement. And with flexible funding, tax-deductible contributions, a wide range of investment choices, and higher contribution options than a traditional IRA, we can help you find a plan that's right for your business needs and retirement goals.

Small business and Self-Employed Retirement Plans

  • Solo 401k

    A Solo 401k, also commonly referred to as an individual 401k, is for self-employed individuals without full-time employees. By allowing you to contribute as both the employer and the employee, this plan enables you (and your spouse if he or she works for you) to boost your retirement savings with higher contribution limits. Both Roth and pre-tax salary deferrals may be permitted.

    Solo 401k

  • SEP IRA

    A Simplified Employee Pension (SEP) IRA is a plan completely funded by the employer. This plan benefits both the employer and employees, with tax-deductible contributions for the employer and tax-deferred growth for the employees. Flexibility over contributions makes it a good choice for businesses with varying profits.
    SEP IRA

  • SIMPLE IRA

    A Savings Incentive Match Plan for Employees (SIMPLE) allows both the employer and employee to contribute to employee retirement accounts with tax benefits for employer contributions and the ability for employees to make pre-tax contributions. This plan is intended for businesses with steady profits.
    SIMPLE IRA

  • Profit-Sharing

    Profit-Sharing plans reward employees with a percentage of company profits, although contributions do not have to be based on profits. Employer contributions are discretionary and provide tax benefits for both the employer and employee.
    Profit-Sharing

Learn how the right retirement plan can help you grow your retirement portfolio, attract and retain valuable employees, and pursue your retirement goals. Talk to a TD Ameritrade representative today.
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Compare small business retirement plans

Solo 401(k) Plan

SEP IRA

SIMPLE IRA

Profit-Sharing

What Plan Fits My Business?

Self-employed individuals without any full-time employees (other than my spouse or business partner)

 

 

Businesses with 1 - 100 employees (corporate employers, non-profits, partnerships)
 
 
 

Who is Able to Contribute?

Employer contributes on employees behalf

 

 

 

 

Employee contributes on own behalf
 
 

What are the Contribution Options?

Employer contributions are tax-deductible

 

 

 

 

Employee contributions are flexible
 
 
 

Contributions have tax-deferred growth potential
 
 
 
 

Contributions must be immediately vested
 
 
 

Additional Benefits

No employer IRS tax filing for the business
 
 

Ability to exclude part time employees
 
 

Tax deductible plan expenses
 
 

Learn more with our small business retirement account guides

  • Solo 401k

    A retirement plan designed especially for businesses without employees. 

  • SEP IRA

    A 100% employer-funded retirement plan for businesses with or without employees.

  • SIMPLE IRA

    A matching plan for businesses with employees that is funded by both employer and employee contributions. 

Small business retirement plan insights from The Ticker Tape®

Take control of your retirement with our tools, guidance and support

Develop a plan for your retirement

  • Knowledgeable Support

    Get the guidance and support you need from TD Ameritrade representatives who can help bring your assets together, and Financial Consultants who can help guide your individual strategy on the way to your goals.

  • Education

    Check out our free educational resources for help with building, managing, and maintaining your retirement strategy.

Build a portfolio that aligns with your goals

  • Mutual Fund and ETF Screeners

    Use screeners to narrow down your mutual fund and ETF choices to find the funds that may be right for your plan.

Manage and update your plan

Get in touch Call or visit a branch

Call us: 800-454-9272

175+ Branches Nationwide

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