Self-Directed Solo 401(k)
The most powerful retirement tool available to independent 1099 CRNAs. Highest contribution limits, alternative asset investing, and participant loans ‚ all in one plan.
Why a Solo 401(k) for CRNAs?
- Highest contribution limits: As both employee and employer, contribute up to $70,000+ per year (2026 ‚ confirm with your CPA). Age 50+ catch-up contributions add more.
- Tax-deferred or Roth: Pre-tax contributions reduce current taxable income, or designated Roth for tax-free growth.
- Self-directed investing: Invest in real estate, mineral rights, private placements, precious metals, and alternative assets ‚ not just stocks and bonds.
- Participant loans: Borrow up to $50,000 or 50% of vested balance ‚ pay interest back to yourself.
- No employees required: Available to sole proprietors and owner-only LLCs/S-Corps with no full-time W-2 employees.
Key Considerations
- Must be established by December 31 of the tax year (contributions can be made until tax filing deadline)
- Annual Form 5500-EZ filing required when plan assets exceed $250,000
- Prohibited transaction rules apply ‚ work with a knowledgeable custodian
- S-Corp owners: contributions are based on W-2 salary from the S-Corp
- Can be paired with a Roth IRA (backdoor Roth strategy) for additional tax-free growth
Jordan At Retirement Guardians
Retirement Guardians specializes in self-directed Solo 401(k) plans and can help you establish, fund, and manage your plan with the checkbook control and alternative investment access that 1099 CRNAs need.
Debt Snowball Planner
Snowball vs. Avalanche. Compare methods. Get your payoff plan. One-time purchase.
Get It on the App Store →Anchor Cadre
Your personal assistant with a built-in FI calculator. One app for your entire life.
Get It on the App Store →FlexLife FI
Financial independence strategies, free FI calculator, and podcast for high-income professionals.
Explore FlexLifeFI →How much do you need to retire? Run the numbers with our free FI calculator at Financial-Independence-Calculator.com