Solo 401k Sub Accounts, Separate Bank Accounts Required


I don’t plan to do Roth 401k contributions, but I do plan to do non-Roth after tax contributions. Should I create two bank accounts for the solo 401k or can I use one? I will be tracking the pre-tax and non-Roth after-tax contributions in a spreadsheet.


Separate accounts will be required. Reason being, in order for after-tax contributions to be deemed after-tax contributions they must be deposited in a separate bank/brokerage account labeled with the words “After-Tax” before they can be converted to a Roth IRA, or the Roth solo 401k designated bank/brokerage account.
Below is an illustration of how the accounts are generally titled:
  • Nuggets Solo 401k Trust (ROTH) F.B.O. Larry Byrd
  • Nuggets Solo 401k Trust (AFTER-TAX) F.B.O. Larry Byrd
  • Nuggets Solo 401k Trust (PRETAX) F.B.O. Larry Byrd



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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