Author Archives: Mark Nolan

ROTH Solo 401k Contributions vs Voluntary After-Tax Solo 401k Contributions

Both Roth solo 401k contributions and voluntary after-tax solo 401k contributions fall under the employee (salary deferral) contribution umbrella.  In other words, both of these contribution types are not considered employer (profit sharing) contributions, so the contributions are not tax deductible because they are considered made with post-tax dollars. Not all solo 401k plan document […]

Top 10 Business Financing 401k (ROBS 401k) Items to Know

Neither nondeductible (after-tax) IRAs nor Roth IRA funds can be transferred to the Business Financing 401k (ROBS 401k). While Roth 401k, Roth 457 and Roth 403b can be transferred to the “Roth Designated Account” bucket of the Business Financing 401k (ROBS 401k), this bucket cannot be invested in your C-Corporation business. As a rule of […]

Steps Involved In Using a TSP to Fund a ROBS C-Corp Business

Request: Please give me a list of the steps involved in moving my money from my TSP account into a C Corp and using the funds to buy a business. ANSWER: The Business Financing 401k Plan, also known as a ROBS 401k, allows you to fund a business with your retirement funds without taking a […]

Questions about investing in RE With a Solo 401k Plan

QUESTIONS: Hi – I was looking at self directed retirements plans &  reviewing your plans. Q 1: I am curious can a solo 401k be my lender on an investment property, allowing me to pay the interest to my 401k? Q 2: Or can they come in after i have bought to find the mortgaged […]

Non-Recourse Loan to Solo 401k Plan for California Real Estate

QUESTIONS: I have a few Q’s and please excuse me as I have limited experience as I foray into this. non-recourse loan:  one of my sources tells me that it is default California law that the loan will be non-recourse.  California is a non-recourse state. So does the loan really need to be specifically designated […]

Solo 401k Loan for Business Financing & 401k Business Financing Plan

If you are seeking to use your retirement funds for business financing and currently have retirement funds in various former employer plans and IRA accounts, the financing of the business can be done using solo 401k funds through a solo 401k participant loan or using the 401k business financing plan (also known as a ROBS […]


QUESTION: I had an outstanding TSP loan that I had to “settle” before I could have my funds rolled over into my Solo 401k (I chose not to repay it at the time).  The loan has been “closed” via TSP and declared a taxable distribution, but I received the attached letter stating I have 60 […]

Roth IRA for Working Kids

If you child or grandchild has earned income, then he or she can open a Roth IRA and make annual contributions. While the kid/child needs to have earned income in order for contributions to be made, the contribution can come from their parents, uncles, god parents or any other individual. The Roth IRA regulations do […]

Business Financing 401k Flow for Subsequent Stock Investment in the C-Corporation

QUESTIONS: How does the release of funds work after I open the C-corporation that is funded with my business financing 401k plan? I guess my question is, do I need to send some sort of request every time I need to use the money, does it need to get approved, or the money is available […]

403b can I use it to fund my business?

403b QUESTION: I am thinking about using my 403b funds to fund my business, can this be done and would like to know how the process works timing, and fees associated with it. 403b ANSWER: While a 403b cannot invest in one’s own business, yes a 403b can be transferred to the business financing 401k […]

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