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Solo 401(k) Plan




There are various ways you can invest in your retirement. If you own a business, one of these options is an Individual 401(k), also known as a Solo 401(k) Plan. Unlike other small business plans, an Individual 401(k) is suited for business owners who do not have full-time employees, other than their spouse.

An Individual 401(k) allows you to invest in time-sensitive, alternative investments such as rental properties, tax liens, private mortgages and precious metals. These investments could potentially increase the value of your account, helping you to save more for retirement.

The investment income in this type of account grows without having to be included in annual taxable income of the Individual 401(k) owner, unless the contributions and investments are held under the Roth portion of the plan.

Contributions made to the plan have the potential to provide the account owner with a tax-deduction equivalent to the amount of the contribution made into the account each year. This potential tax benefit is subject to government guidelines and income limitations.

When funds are withdrawn from your account as a distribution, tax liabilities may apply. At the time of your retirement, you could find yourself in a much lower tax bracket than when you were employed. This means that you could have a lower tax liability on those funds.

One of the most notable benefits to a Solo 401(k) Plan is the fact that funds are tax-deferred while in the account. That means that any money that goes into your Solo 401(k) account is also tax-deferred until withdrawn.

The contributions you make to your Solo 401(k) Plan can be tax deductible, provided you meet certain requirements.

Up to $18,000 of your elective deferrals can be Roth or post-taxed contributions and grow tax-free instead of tax-deferred.

Solo 401(k) Plans allow for you, the account owner, to take a loan from the 401(k) up to 50% of the value of the plan, or $50,000, whichever is less.

If you are over age 50 you can make an additional catch-up contribution of $6,000 to your account.

If you purchase a property with a non-recourse loan, UDFI (Unrelated Debt-Financed Income) does not apply to any income from your specific investment’s 2017 Limit.

NOTE: Please visit for a complete breakdown of the rules and regulations concerning retirement accounts. Certain restrictions apply regarding prohibited transactions.

2017 2018
For Tax Year 2018
Employer Contribution Limits $54,000* $55,000*
Employee Elective Deferrals $18,000 $18,500
Employee Catch-Up Deferral $6,000 $6,000

*The employer can contribute up to 25% of your compensation up to the maximum limit.  Employer contributions and employee elective deferrals in aggregate may not exceed $54,000 for 2017 and $55,000 for 2018 combined. Compensation limits and deductibility apply so contact your employer for further information.

We do not offer investment, tax, financial or legal advice to clients. Individuals who believe they need advice should consult with qualified professional(s) licensed in that area. This section of our website is devoted to providing clients and potential clients with educational information. It is in no way intended as tax advice.

Frequently Asked Questions

Here are a few of the most frequently asked questions asked when opening a self-directed account.

How do your fees differ from other custodians who handle traditional & alternative assets?

Provident Trust Group offers a flat-rate annual fee. This differs from many other alternative asset custodians who may increase your annual fee based on an increase in the number of assets you select, value of your assets, or even the purchase of a different asset class.

Most custodians of traditional assets collect fees and/or commissions based off of the amount of trades or recommendations of investment choices.  For our full fee schedule, click here.

Can Provident Trust Group provide tax or legal advice regarding your investment?

No. If you should need tax or legal advice regarding your investment, you may engage a specialized tax law firm to provide the needed advice. Attorney-client privilege would then exist between you and the firm of your choice.

What types of investments are prohibited with retirement accounts?

The IRS does not state which investments are permissible in a qualified account or retirement plan, but they do state specific asset classes that are prohibited.  The IRS currently prohibits IRAs to invest into Life Insurance, Collectibles and S-Corps.  Some examples of collectibles include:

  • Artwork,
  • Rugs,
  • Antiques,
  • Metals – with exceptions for certain kinds of bullion,
  • Gems,
  • Stamps,
  • Coins – (but there are exceptions for certain coins),
  • Alcoholic beverages, and
  • Certain other tangible personal property.

For more information, click here for the IRS Website.

Can my account invest with other partners, including myself?

Yes, your IRA can invest with other partners and yourself individually. However, it is important to consult legal counsel in these situations to observe formalities and rules that may be associated with that investment.

Not Sure What Plan Is Right For You?

Take a minute or two and compare similar plans that may be the right fit for your needs.

The Provident Advantage

Our approach focuses on delivering clear and concise information so you can make well-informed decisions regarding your investments. Our clients rely on our abilities to ensure every administrative and reporting detail is covered and completed on time.


IRS Required Reporting


Record Keeping


IRA & Qualified Plan Administration


Transfer Processing


Alternative Asset Custody


Rollover Assistance


Self-Directed Education


Contribution Processing


Distribution Processing

Your investment freedom is a click away


Our completely electronic application process will have you set up in minutes.


Transfer or Rollover old or non-performing retirement assets.


Enjoy investment freedom with a truly self-directed retirement account.

Our simple online process makes setup a breeze so you can focus on what matters most – your retirement.

Our 100% web-based process provides easier form completion and clearer view of holdings and transactions that will assist customers in opening new accounts securely and quickly without any physical paperwork. Customers can also complete fund transfers from other custodians, electronically initiate investments, as well as manage multiple accounts with a click of a button.

Do you Have Questions? Let us know!

Existing Clients
(888) 855-9856

Future Clients
(888) 662-0869


With more than 34,000 clients in all 50 states, our elite team of professionals is the premier choice. We offer highly personalized service tailored to your needs, transforming your financial future.



8880 W. Sunset Rd.,
Suite 250
Las Vegas, NV 89148



(702) 253-7565



Monday - Friday
6AM - 4PM (PST)


Provident Trust Group, LLC is a BBB Accredited Management Consultant in Las Vegas, NV