Top Retirement Plans for Self Employed & Small Business Owners in 2026

Описание: Choosing the right retirement plan as a small business owner or self-employed professional can dramatically impact how much you save and how much you reduce in taxes.

Adam Bergman breaks down the best small business retirement plans for 2026: the Solo 401(k), SEP IRA, SIMPLE IRA, The ERISA 401(k), and the Defined Benefit Plan. You’ll learn how each plan works and which option makes the most sense for your business. If you're looking to maximize retirement contributions and reduce taxes using IRS-approved strategies, this guide will help you choose the right plan for your situation.

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At IRA Financial, we don't just offer self-directed retirement investing — we pioneered it. We cracked the IRS code on tax-free retirement investing strategies and since 2010, have empowered over 25,000 investors to break free of institutional limitations and grow wealth on their own terms. Direct your funds into alternative investments like crypto, real estate, start-ups, and more. You call the shots, and our experts make sure you do it right.

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Timestamps

00:00 Introduction
01:37 SIMPLE IRA
03:49 SEP IRA
05:25 Solo 401(k)
06:49 Solo 401(k) advantage for real estate investors
07:39 Defined Benefit Plans
08:58 Traditional ERISA 401(k)
10:48 Pre-tax vs Roth 401(k)
13:39 Choosing the right plan
15:18 Conclusion

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