Backdoor Roth IRA for Freelancers: Step-by-Step and the Pro-Rata Rule
How self-employed individuals with high income can contribute to a Roth IRA via the Backdoor method while avoiding the SEP-IRA pro-rata tax trap.
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Retirement Guides
SEP-IRAs, Solo 401(k)s, and building retirement savings with no employer match.
Cash Balance & Defined Benefit Plans: How High-Earning Freelancers Shelter $100k+ from Taxes
Learn how solo defined benefit plans and cash balance plans allow high-income freelancers ($250k+) to deduct six figures annually.
How Much Should Freelancers Save for Retirement? (Benchmarks by Age)
Realistic savings targets and percentage rules of thumb for self-employed professionals without corporate pensions.
Traditional vs Roth Solo 401(k): Which Should Freelancers Choose?
The tax-now-vs-tax-later tradeoff between a Traditional and Roth Solo 401(k), and a simple rule of thumb for deciding.
SEP-IRA vs Solo 401(k): Which Retirement Account Is Best for Freelancers?
Compare contribution limits, loan features, Roth options, and administrative rules for Solo 401(k) and SEP-IRA retirement plans.
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