Contribute to Solo 401k after filing tax return

BACKGROUND/QUESTION: I’ve been wondering about the contribution deadline for the employee portion of the solo 401K. I’d be contributing to a Roth Solo 401K. I know that it’s tax filing time (plus extensions). But I’ve already filed my taxes. Does that mean I have until October 15th to make a 2012 contribution to my Roth 401K or because I’m not filing extensions does it mean that I have to have it in by April 15th? I haven’t seen this question addressed anywhere.

ANSWER: Because you filed your taxes by or before the April 15 deadline, you cannot make your contribution to the solo 401k, whether employee or employer, on or before October 15. That’s the whole purpose of the tax filing deadline and extension, with the ladder allowing you to make the annual contribution by the tax extension deadline if Form 4868, Application for Automatic Extension of Time to File U.S. Individual Income Tax Return, was timely filed.


Jason L.

About Mark Nolan

Each day I speak with energetic entrepreneurs looking to take the plunge into a new venture and small business owners eager to take control of their retirement savings. I am passionate about helping others find their financial independence. Having worked for over 20 years with some of the top retirement account custodian and insurance companies I have a deep and extensive knowledge of the complexities of self-directed 401ks and IRAs as well as retirement plan regulations. Learn more about Mark Nolan and My Solo 401k Financial >>


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