Articles by Justin Gluska

Giving through your retirement savings can be a rewarding way to support causes you care about, while also unlocking potential tax benefits — if it’s done correctly. The most common tax-friendly method, the Qualified Charitable Distribution (QCD), is available only through IRAs, not directly from Solo 401k plans.  That doesn’t mean Solo 401k owners are out [...]

Looking for ways to maximize your retirement savings?  If you are a technology consultant and operate your own consulting business without full-time employees, a Solo 401k might be an excellent fit. Solo 401ks provide self-employed professionals with higher contribution limits and tax benefits compared to many other retirement plans. This can be especially useful for technology consultants [...]

In 2025, more investors are stepping outside the traditional stock-and-bond playbook. From high-net-worth individuals to everyday retirement savers, interest in alternative assets is no longer limited to large institutions.  The search for diversification, new sources of income, and inflation protection is drawing attention to private credit, real assets, and other non-public market opportunities. This article cuts through [...]

Are you working as an independent contractor and looking for a way to save more for retirement while lowering your tax bill? If you don’t have any full-time employees and report self-employment income, a Solo 401k could offer a flexible and tax-efficient solution. (function(d,u,ac){var s=d.createElement('script');s.type='text/javascript';s.src='https://a.omappapi.com/app/js/api.min.js';s.async=true;s.dataset.user=u;s.dataset.campaign=ac;d.getElementsByTagName('head')[0].appendChild(s);})(document,239363,'ckhizz00xjzup7eks4ph'); This type of retirement plan is designed specifically for individuals who run [...]

Thinking about adding crypto to your retirement portfolio? If you’re self-employed or run a small business, a Solo 401k could offer a way to invest in digital assets while potentially gaining tax benefits. This type of retirement plan is known for its high contribution limits, flexible investment options, and checkbook control features, making it appealing to [...]

In a Solo 401k, two roles keep your plan running smoothly and legally: the trustee and the custodian. The trustee is generally responsible for making investment decisions and managing distributions, while the custodian focuses on keeping accurate records and holding the plan’s assets securely.  Understanding how they differ matters because each one affects how your retirement [...]

Are you a therapist running your own practice and wondering if you can open a Solo 401k? If you earn self-employment income from your therapy services and don’t have any full-time employees, you’re likely eligible. A Solo 401k could offer much higher contribution limits than traditional retirement accounts — along with valuable tax advantages. Whether you’re [...]

Choosing the right 401k plan for your business can feel complicated. A Safe Harbor 401k plan is one option that could help simplify things. It’s designed to help employers meet IRS requirements without going through annual nondiscrimination testing. In most cases, this type of plan also encourages employee participation by offering required contributions and faster [...]

If you work as a marketing consultant and run your own business—even as a one-person operation—you may be eligible for a retirement plan designed specifically for self-employed professionals: the Solo 401k. This type of plan offers high contribution limits, Roth options, and flexible investment choices. But not every business qualifies. So let’s take a closer look [...]