A Smarter Retirement Strategy for the Self-Employed, Business Owners & Corporations

Many self-employed individuals and business owners don’t realize they may be eligible for one of the most powerful retirement planning tools available today: the Self-Employed 401(k) (also known as the Solo 401(k), Individual 401(k), or Owner-Only 401(k)).

Unlike traditional workplace retirement plans, a Self-Employed 401(k) allows you to contribute as both the employee and the employer, creating exceptional potential for tax-advantaged savings and long-term accumulation.

At Ametrine Wealth Strategies, we design retirement strategies that integrate seamlessly with your business structure, your income, and your long-term financial vision — from advanced 401(k) planning to profit sharing, buy-sell agreement design, and business-protection solutions.

• Higher Contribution Limits
• Powerful Tax Advantages
• Flexible & Customizable Plan Design
• Advanced Plan Features (Roth 401(k), profit sharing, spousal participation, loan provisions)
• Integration With Business & Wealth Strategy

Ametrine Wealth Strategies designs coordinated strategies that may include:

• Profit-Sharing Plans
• Defined Benefit or Cash Balance Plans
• SEP IRAs & SIMPLE IRAs
• Key Person Insurance Strategies
• Buy-Sell Agreement Funding
• Business Continuity & Protection Planning
• Wealth management and investment by design for business owners

• Guidance on the most advantageous retirement structure
• Integration of tax planning with contribution planning
• Coordination of personal wealth and business assets
• Long-term planning aligned with retirement timelines
• A structured, disciplined investment approach

A Self-Employed 401(k) is one powerful option — but not the only one.

Depending on income level, entity structure, employees, and long-term planning needs, the best plan may be:

• Self-Employed (Solo) 401(k)
• SEP IRA
• SIMPLE IRA
• Traditional 401(k) with Profit Sharing
• Defined Benefit Plan
• Cash Balance Plan

The right plan is the one that:

• Maximizes allowable contributions
• Supports meaningful tax deferral
• Aligns with business cash flow
• Meets IRS requirements
• Integrates with long-term financial strategy

Ametrine Wealth Strategies evaluates all available options and determines the most suitable plan after your complimentary consultation.

DISCLOSURE 

This material is intended for educational purposes only and does not constitute individualized financial planning, investment advice, or tax advice. Retirement plan design, tax treatment, and eligibility vary based on individual circumstances and IRS rules. Contribution limits, plan features, and administrative requirements should be reviewed with a qualified financial professional, tax advisor, and, when applicable, the plan administrator or third-party administrator (TPA).

Past performance is not indicative of future results. All investments involve risk, including possible loss of principal. Availability of plan types and retirement structures depends on employer policies, business entity type, and IRS regulations. Always consult appropriate professionals before implementing or modifying any retirement plan.

©2026 Ametrine Wealth Strategies, LLC. All Rights Reserved.