Financial Insights

Choosing between a Solo 401(k) and a SEP IRA in 2025 isn’t just about bigger numbers—it’s about matching contribution limits, Roth access, filing deadlines, and future hiring plans to your one-person business. This guide breaks down the rules, runs real-world examples, and flags common pitfalls.

The Allure of the Shortcut Forming an S-Corporation is often pitched as an instant 15.3 percent* self-employment-tax savings. The pitch...