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Retirement Plans for Self-Employed: SEP IRA vs Solo 401(k) vs Roth IRA

October 4, 2026 by Daniel Brooks

Retirement plans for self-employed: three savings jars comparing the Roth IRA, SEP IRA and Solo 401(k) limits

Retirement plans for self-employed workers let you save far more than most employees can, and cut your taxes at the same time. The three main options are the SEP IRA, the Solo 401(k) and the Roth IRA. For most freelancers with no employees, a Solo 401(k) allows the biggest contributions. A SEP IRA is the … Read more