{"id":11690,"date":"2023-01-03T23:00:19","date_gmt":"2023-01-03T23:00:19","guid":{"rendered":"https:\/\/udirectira.com\/?p=11690"},"modified":"2023-08-07T15:44:27","modified_gmt":"2023-08-07T15:44:27","slug":"the-solo-401k-in-2023","status":"publish","type":"post","link":"https:\/\/udirectira.com\/the-solo-401k-in-2023\/","title":{"rendered":"The Solo 401k in 2023"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11229 alignright lazyload\" data-src=\"https:\/\/udirectira.com\/wp-content\/uploads\/2020\/06\/Solok-uDirect-IRA-Services-300x201.jpeg\" alt=\"\" width=\"300\" height=\"201\" data-srcset=\"https:\/\/udirectira.com\/wp-content\/uploads\/2020\/06\/Solok-uDirect-IRA-Services-300x201.jpeg 300w, https:\/\/udirectira.com\/wp-content\/uploads\/2020\/06\/Solok-uDirect-IRA-Services-1024x685.jpeg 1024w, https:\/\/udirectira.com\/wp-content\/uploads\/2020\/06\/Solok-uDirect-IRA-Services-768x513.jpeg 768w, https:\/\/udirectira.com\/wp-content\/uploads\/2020\/06\/Solok-uDirect-IRA-Services-1536x1027.jpeg 1536w, https:\/\/udirectira.com\/wp-content\/uploads\/2020\/06\/Solok-uDirect-IRA-Services-2048x1369.jpeg 2048w, https:\/\/udirectira.com\/wp-content\/uploads\/2020\/06\/Solok-uDirect-IRA-Services-480x321.jpeg 480w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/201;\" \/><noscript><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-11229 alignright\" src=\"https:\/\/udirectira.com\/wp-content\/uploads\/2020\/06\/Solok-uDirect-IRA-Services-300x201.jpeg\" alt=\"\" width=\"300\" height=\"201\" srcset=\"https:\/\/udirectira.com\/wp-content\/uploads\/2020\/06\/Solok-uDirect-IRA-Services-300x201.jpeg 300w, https:\/\/udirectira.com\/wp-content\/uploads\/2020\/06\/Solok-uDirect-IRA-Services-1024x685.jpeg 1024w, https:\/\/udirectira.com\/wp-content\/uploads\/2020\/06\/Solok-uDirect-IRA-Services-768x513.jpeg 768w, https:\/\/udirectira.com\/wp-content\/uploads\/2020\/06\/Solok-uDirect-IRA-Services-1536x1027.jpeg 1536w, https:\/\/udirectira.com\/wp-content\/uploads\/2020\/06\/Solok-uDirect-IRA-Services-2048x1369.jpeg 2048w, https:\/\/udirectira.com\/wp-content\/uploads\/2020\/06\/Solok-uDirect-IRA-Services-480x321.jpeg 480w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/noscript><\/p>\n<p>Are you self-employed?\u00a0 No full-time employees in any of the companies you own?\u00a0 Great!\u00a0 You are eligible to save for retirement and lower your tax burden with a Solo 401k.<\/p>\n<p>Unlike the IRA, the Solo 401k is a two-part plan.\u00a0 You have the \u201cPlan\u201d, and you have the \u201cParticipant\u201d.\u00a0 Your company sponsors the plan, and you are the participant.\u00a0 Business partners can each participate in the <a href=\"https:\/\/udirectira.com\/solo-401k\/\">Solo 401k<\/a>.\u00a0 As a result, you can stick away more for later and enjoy a tax reduction today.<\/p>\n<h3>Benefits of the Solo 401(k) vs. the IRA:<\/h3>\n<ul>\n<li>Higher contribution limits. You can contribute the lesser of 25% of your income up to $61,000 for 2022 or $66,000 in 2023.<\/li>\n<li>The ability to borrow money for personal use. You cannot take a loan <a href=\"https:\/\/udirectira.com\/self-directed-ira-services\/\">from an IRA<\/a>, but you can borrow the lesser of 50% of the plan value up to $50,000 from a Solo 401(k).<\/li>\n<li>If you use a Solo 401(k) to purchase a property with debt, then the income from that asset will not be subject to<a href=\"http:\/\/chrome-extension:\/\/efaidnbmnnnibpcajpcglclefindmkaj\/https:\/\/www.irs.gov\/pub\/irs-pdf\/p598.pdf\">\u00a0 Unrelated <\/a><a href=\"https:\/\/www.irs.gov\/pub\/irs-pdf\/p598.pdf\">Debt Financed Income Tax<\/a> (UDFI). You will not pay any tax and you will not have any form 990T tax return filing requirements. UDFI is required when IRAs use leverage to acquire assets.<\/li>\n<\/ul>\n<h3>Pre-Tax or After-Tax<\/h3>\n<p>The answer is, \u201cBoth\u201d!\u00a0\u00a0 Unlike the IRA, the Solo 401(k) \u201cparticipant\u201d bucket can receive after-tax contributions which are treated the same as Roth IRA contributions.<\/p>\n<p>The passing of the SECURE Act 2.0 removes the &#8220;Required Minimum Distribution&#8221; (RMD) requirement for employer-sponsored Roth accounts, such as Roth 401(k)s.\u00a0 Great news for savers!<\/p>\n<h3>Catch-Up Contributions<\/h3>\n<p>When you turn 50 you are eligible to contribute more to your retirement account.\u00a0 The increase in contributions is referred to as a \u201ccatch-up contribution\u201d.<\/p>\n<p>With the passing of SECURE 2.0, the catch-up contribution limit for employees aged 50 and over who participate in 401(k), 403(b), most 457 plans, and the federal government&#8217;s Thrift Savings Plan is increased to $7,500, up from $6,500.<\/p>\n<p>In 2023 the participant contribution for someone under 50 is $22,500.\u00a0 If you are 50 or over, add that extra $6,500 and you can now contribute a total of $30,000.<\/p>\n<p>Always discuss your retirement contributions with your tax advisor to make sure you are within guidelines.\u00a0 Your tax advisor will need this information when filing your taxes so you can take advantage of any tax savings coming to you.<\/p>\n<p>uDirect IRA Services is here to help.\u00a0 Reach out to us at <a href=\"mailto:info@uDirectIRA.com\">info@uDirectIRA.com<\/a> with all your self-directed retirement questions.\u00a0 Click <a href=\"https:\/\/udirectira.com\/contact\/\">HERE<\/a> to schedule a consultation.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Are you self-employed?\u00a0 No full-time employees in any of the companies you own?\u00a0 Great!\u00a0 You are eligible to save for retirement and lower your tax burden with a Solo 401k. Unlike the IRA, the Solo 401k is a two-part plan.\u00a0 You have the \u201cPlan\u201d, and you have the \u201cParticipant\u201d.\u00a0 Your company sponsors the plan, and&hellip;<\/p>\n","protected":false},"author":5,"featured_media":10882,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Solo 401k in 2023 - uDirect IRA Services, LLC<\/title>\n<meta name=\"description\" content=\"Unlike the IRA, the Solo 401k is a two-part plan.\u00a0 You have the \u201cPlan\u201d, and you have the \u201cParticipant\u201d.\u00a0 Your company sponsors the plan and you are the participant, allowing you to put more away for retirement than you can with an IRA.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/udirectira.com\/the-solo-401k-in-2023\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Solo 401k in 2023 - uDirect IRA Services, LLC\" \/>\n<meta property=\"og:description\" content=\"Unlike the IRA, the Solo 401k is a two-part plan.\u00a0 You have the \u201cPlan\u201d, and you have the \u201cParticipant\u201d.\u00a0 Your company sponsors the plan and you are the participant, allowing you to put more away for retirement than you can with an IRA.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/udirectira.com\/the-solo-401k-in-2023\/\" \/>\n<meta property=\"og:site_name\" content=\"uDirect IRA Services, LLC\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/uDirectIRA\" \/>\n<meta property=\"article:published_time\" content=\"2023-01-03T23:00:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-07T15:44:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/udirectira.com\/wp-content\/uploads\/2020\/02\/solo401.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"562\" \/>\n\t<meta property=\"og:image:height\" content=\"562\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Kaaren Hall\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@uDirectIRA\" \/>\n<meta name=\"twitter:site\" content=\"@uDirectIRA\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kaaren Hall\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/udirectira.com\/the-solo-401k-in-2023\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/udirectira.com\/the-solo-401k-in-2023\/\"},\"author\":{\"name\":\"Kaaren Hall\",\"@id\":\"https:\/\/udirectira.com\/#\/schema\/person\/4226cdbfe8048d9e88896a4a30bae58b\"},\"headline\":\"The Solo 401k in 2023\",\"datePublished\":\"2023-01-03T23:00:19+00:00\",\"dateModified\":\"2023-08-07T15:44:27+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/udirectira.com\/the-solo-401k-in-2023\/\"},\"wordCount\":408,\"publisher\":{\"@id\":\"https:\/\/udirectira.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/udirectira.com\/the-solo-401k-in-2023\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/udirectira.com\/wp-content\/uploads\/2020\/02\/solo401.jpg\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/udirectira.com\/the-solo-401k-in-2023\/\",\"url\":\"https:\/\/udirectira.com\/the-solo-401k-in-2023\/\",\"name\":\"The Solo 401k in 2023 - 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