Carry Learning Center

Running your own business or side gig? You might want to consider a retirement plan made for people like you.  A Solo 401k could be a strong option. It’s built for self-employed individuals, with higher contribution limits and generally more flexibility than regular retirement accounts. In this guide, we’re looking at two different Solo 401k plan providers: [...]

Running your own business does not mean missing out on the tax benefits often available to employees at larger companies. A Solo 401k can potentially help freelancers, consultants, and single-member LLC owners defer ordinary income taxes and save meaningful dollars for retirement in a tax-advantaged way.  For 2025, the IRS has increased employee contribution limits and [...]

Understanding Solo 401k rules can get more complicated once part-time employees enter the picture. Starting in 2025, the SECURE Act 2.0 requires certain long-term, part-time workers to be included in retirement plans. This means small-business owners and self-employed individuals need to know which employees qualify, how contributions are handled, and what compliance steps apply. For example, [...]

Saving for retirement can feel complex, especially if you are eligible for multiple tax-advantaged plans. Some individuals have access to both a 457b and a Solo 401k and want to understand how to contribute to each without exceeding IRS limits.  In 2025, the elective deferral limit for both plans is $23,500, though eligibility rules and contribution [...]

If you’re self-employed or run a small business with no full-time employees, the Fidelity Solo 401k may be worth considering as a retirement savings option. Fidelity does not charge account maintenance fees and offers access to a broad selection of investments, including mutual funds, ETFs, individual stocks, and bonds. The platform also provides $0 commission online [...]

Choosing the right retirement plan can feel overwhelming, especially if you’re self-employed and want more control over your savings. MySolo401k positions itself as an option for those who value flexibility, investment choices, and an online-first setup. This review covers how the plan works in 2025, what it may offer, where it has limitations, and how it [...]

Investing a Solo 401k in a certificate of deposit (CD) combines retirement savings with a conservative banking product. For self-employed individuals, CDs may provide steady earnings and reduced exposure to market swings. By locking in a fixed rate and knowing the maturity date, they can serve as a cautious part of a broader retirement plan. Before [...]

Are you a self-employed plumber looking for a way to save more for retirement and lower your taxes? Many independent tradespeople wonder if a Solo 401k could be the right fit. The good news is that plumbers who operate their own businesses or work as independent contractors are typically eligible to open one. A Solo 401k [...]

Running your own business often means balancing daily operations with long-term financial security. Retirement planning can easily take a back seat, yet the Solo 401k provider you choose could shape how flexible, cost-effective, and efficient your plan becomes. This review takes a closer look at Nabers Group’s Solo 401k in 2025. You’ll learn what the plan [...]