Regulations

Self-Directed Solo 401k By Mark Nolan, Founder/ Compliance Officer, My Solo 401k Financial · Published November 5, 2026 Direct answer: A Self-Directed Solo 401k is a 401(k) plan for business owners with no eligible non-owner W-2 employees. The owner serves as trustee and chooses where the plan’s funds are held. The plan has its own […]

Self-Directed IRA Real Estate Rules: Not One Day of Personal Use (IRC 4975) By Mark Nolan, Founder/ Compliance Officer, My Solo 401k Financial · Published November 1, 2026 Direct answer: Self-Directed IRA real estate is legal, but the property must be held purely as an investment. Title goes in the custodian’s name for the benefit […]

Solo 401k Prohibited Transaction: The $200,000 Vacation Home Mistake Direct Answer: A Solo 401k prohibited transaction example is a plan owner personally using property their own plan holds. In the webinar’s case, “Fred” rolled $300,000 into a self-directed Solo 401(k) and used it to buy a $200,000 Florida vacation property; personally staying there even one […]

Yes — but how much depends entirely on how you use it. Here’s a practical breakdown of every engine driving growth inside your self-directed retirement plan. If you’re self-employed and considering a Solo 401(k), one of the first questions you should be asking is simple: will this thing actually grow? The short answer is yes — but […]

What You Need to Know About Solo 401(k) Beneficiaries When most people think about their 401(k) or solo 401(k), they focus on contribution limits, tax savings, and investment growth. What happens to that account after you pass away often gets pushed to the back of the planning queue — and that’s a costly mistake. What […]

Timing is everything when it comes to maximizing your retirement contributions—and one of the most common questions we hear is: “If I file a business tax return extension, can I wait until September or October 2026 to make my 2025 Solo 401(k) contributions?” The short answer is:Yes—but only for certain contribution types, and only if […]

A practical checklist for self-employed business owners navigating contributions, reporting, and compliance — so you and your tax professional are always on the same page. One of the most common questions during tax season is: What exactly does my CPA need from me for mySolo 401(k)? The good news is that a Solo 401(k) is […]

A Complete Guide for Staying Compliant and Maximizing Tax Benefits Setting up a Solo 401(k) is one of the most powerful retirement strategies available to self-employed individuals. But to unlock its full tax advantages—and stay compliant with IRS rules—you must have the proper paperwork in place. A Solo 401(k) is not just an account. It […]

A self-directed IRA is one of the most powerful retirement tools available—giving investors the ability to go beyond traditional stocks and invest in real estate, private equity, cryptocurrency, precious metals, and more. However, with that flexibility comes strict IRS rules—especially when it comes to taking money out. If you withdraw funds incorrectly, the penalties can […]