Self-Directed Retirement Plans for Business Owners

Experience the power of self-directed investing, even if you work for yourself.

These plans are designed for you if you are:

Self-employed
A sole proprietor
An entrepreneur
Owner of a small business with 100 or fewer employees

Learn More about Small Business Accounts

Explore Our Small Business Retirement Plans

A self-directed small business account at Equity Trust offers you the control and flexibility to choose both traditional and alternative investments.

Are You a Small Business Owner?

You Might Qualify

Whether you know it or not, you may be eligible for government-sponsored small business retirement plans such as a Solo 401(k), SEP or SIMPLE IRA. Being an investor could qualify you as self-employed, a sole proprietor or even as your own small business.

Review Eligibility for Each Plan

Reduce and Defer Taxes

With Potentially Larger Tax Deductions

Access our Guide to Small Business Retirement Plans to discover details regarding each plan, contribution and potential deduction amounts, eligibility and income requirements.

Request Small Business Retirement Plan Guide

Open a Small Business Account

Discover the Equity Trust Advantage

Equity Trust offers account options that, if you qualify, allow higher yearly contribution amounts. Even if you already have a Traditional IRA or Roth IRA, it’s still possible to have other plans such as an Individual 401(k), SEP or SIMPLE IRA.

Get Started with a Small Business Plan

Enjoy True Investment Freedom

As your directed custodian, Equity Trust enables you to use IRAs and other tax-advantaged accounts to invest in a wide range of assets. With an Equity Trust account you have the opportunity to invest in difficult-to-value alternative assets such as real estate, precious metals, private equity, and more. Additionally, you can invest in traditional assets such as stocks and mutual funds – all through a single custodian.

Real Estate

Promissory Notes / Lending

Private Equity / Entities

Precious Metals

EXPLORE INVESTMENT POSSIBILITIES

Start Exploring the Possibilities

A Look at Retirement Accounts Designed to Help Small Business Owners Achieve Their Wealth Building Goals.

Sole proprietor? Consider a Solo 401(k)

The Solo 401(k) (also known as Individual 401(k), Self-Employed 401(k), and Solo(k)) is for sole proprietors and offers the same benefits of the 401(k), but it is designated for business in which only the owner (and their spouse) is an employee.

The Individual 401(k) has the option to be set-up with the added benefit of Roth-like tax-advantages.

Have employees? Consider a SEP or SIMPLE IRA

25 employees or less? Consider a SEP IRA

Simplified Employee Pension (SEP), is designed for self-employed individuals or small businesses with less than 25 employees.

100 employees or less? Consider a SIMPLE IRA

Savings Incentive Match Plan for Employees (SIMPLE) is a plan for small businesses, typically with 100 or fewer employees, that have no other retirement plans.

Pick the retirement plan that is right for you:

Try our Small-Business Plan Picker

Do you own your own business? Deciding which small business retirement plan might be right for you can be tricky. To help you figure out what may be best for you, answer a few simple questions about you and your business in our Plan Picker.

Meet Equity Trust: A Leader in Self-Directed IRAs

Empowering clients with investment freedom and innovative technology, we deliver a simplified investment experience backed by 45 years* as an industry-leading custodian of tax-advantaged accounts. As an IRS approved custodian, we fulfill the custodial and administrative duties required for each type of investment account you hold.

INVESTMENT FREEDOM

Create a customized portfolio of alternative assets as well as traditional investments with a single custodian. You can maximize your account and gain new insights with access to unparalleled educational resources.

INNOVATIVE TECHNOLOGY

Simplify investing through myEQUITY, our industry-leading online account management system. myEQUITY makes it easy for investors to direct and manage their accounts with intuitive online wizards and a clear line of sight to account data.

RECOGNIZED LEADER

Our track record of excellence is unmatched in the industry. With 45 years of financial service experience*, investors with over 213,000 client accounts rely on us to custody over $34 billion in assets.**

SERVICE EXCELLENCE

Recognized as an exceptional service provider, we have nearly 400 employees dedicated to you. We serviced 1,000 calls per business day in 2018, completing 1.2 million transactions – Over 3,500 a day!

INVESTMENT FREEDOM

INNOVATIVE TECHNOLOGY

RECOGNIZED LEADER

SERVICE EXCELLENCE

LEARN MORE ABOUT THE EQUITY TRUST ADVANTAGE

Let’s talk about your financial future.

Schedule a one-on-one session with an expert alternative investment counselor. We’re here to answer any questions, help guide you through the process, and provide more detailed information and education specific to your journey.

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