Solo 401(k)

The Solo 401(k) built for today and tomorrow

Open a Guideline Solo 401(k) by December 31, and get 3 months off.1

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50K+

businesses2

1M+

savers3

$15B+

Invested for retirement4

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Innovation by Design Award 20245

Fernando M.Mercado Design Build Studio
Our experience with Guideline has been top-notch — user friendly interface, easy setup, friendly staff, and low fee.Client of Guideline. Views may not be representative of other clients.
  • High contribution limit
  • Tax-free growth
  • Lump sum contribution option

Meet the Solo 401(k)

A Solo 401(k) — or Solo(k) — can be a great way for self-employed individuals to save for the future while potentially saving on taxes. In fact, in 2024 you could put away up to $69,000 and $7,500 in catch-up contributions.6

A low-cost, high value Solo 401(k)

  • New Solo 401(k)

$49/month $0/month for 3 months

Open a Guideline Solo 401(k) by December 31, and get 3 months no employer fees.1 Zero transaction fees and a low 0.15% annual asset based fee.7

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  • Switching Solo 401(k) Providers

$49/month $0/month for 12 months

Special offer

Switching your Solo 401(k) from a different provider? Then you get a special offer: 12 months free and zero asset based fees on all transferred assets — forever.8

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What's included

Get a flexible, affordable 401(k) that helps meet your needs and more. Open a Guideline Solo 401(k) today.

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  • Recordkeeping
  • Investment management
  • Payroll integration
  • Fiduciary responsibility options
  • Low-cost investments
  • Third-party custodial services
  • Mobile app

Invest in your future

With an intuitive dashboard and an award-winning mobile app5, it’s simple to get started, track your progress, and access resources – anytime, anywhere.

  • Easy account setup, via web or mobile app

  • Recommended investment portfolio

  • Retirement education and live support

Any graphs or charts depicted are illustrative, for educational purposes only, and not intended to be investment advice. Investing involves risk and investments may lose value.

Mockup of iPhone 15 with Guideline iOS mobile app.
Mockup of iPhone 15 with Guideline iOS mobile app.

Trusted by 2,000+ solopreneurs, contractors, and freelancers

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    Low fees

    Our managed portfolio fees are 6x lower than the industry average.9

  • All in one experience

    All-in-one experience

    We’ll handle recordkeeping, investments, government filings, and more.

  • Two hands shaking simple icon.

    Consultative support

    With a 93% customer satisfaction rating, you can get the care you need.10

  • Flexible plans

    Easily add employees without the headache of switching providers.

Open a Solo 401(k) in 2024 and get 3 months off.7

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  • 1

    Fees included in this promotion are Guideline's monthly base fee. See our Form ADV 2A Brochure for more information regarding fees. This offer ends December 31, 2024 and can’t be combined with other offers. Contact Sales at hello@guideline.com for further details. We reserve the right to modify or discontinue this promotion at any time without prior notice.

  • 2
    As of May 2024
  • 3
    Total number of Savers, both active and non-active, that have participated in Guideline products from 2016-2024.
  • 4
    As of August 2024
  • 5

    2024 Fast Company Innovation by Design Award Winner for Guideline's mobile application in the Mid-Size business category.

  • 6

    Standard 401(k) annual limit is $23,000 for 2024 and may be adjusted annually by the IRS to account for cost-of-living adjustments. Learn more

  • 7
    An assumed annual account fee of 0.15% is applied to assets under management and is deducted on a monthly basis. It’s calculated at 1/12 of the annual stated rate (0.15%) based on the account balance on the last day of each month. Alternative account fee pricing is available, ranging from 0.15% to 0.35%. Contact Sales at hello@guideline.com to learn more about exclusive pricing options available in Enterprise tier. See our Form ADV 2A Brochure for more information regarding fees.
  • 8

    Fees included in this promotion are Guideline's monthly base and annual account fee on assets under management. See our Form ADV 2A Brochure for more information regarding fees. This offer ends December 31, 2024 and can’t be combined with other offers. Flexible pricing opportunities may affect this promotion. Contact Sales at hello@guideline.com for further details. We reserve the right to modify or discontinue this promotion at any time without prior notice.

  • 9
    This information is provided for illustrative purposes only, and is not intended to be taken as investment or tax advice. Consult a qualified tax and financial advisor to determine the appropriate investment strategy for you. The average investment expense of plan assets for 401(k) plans with 25 participants and $250,000 in assets is 1.37% of assets, according to the 24th Edition of the 401k Averages Book, with data updated through September 30, 2023, and is inclusive of investment management fees, fund expense ratios, 12b-1 fees, sub-transfer agent fees, contract charges, wrap and advisor fees or any other asset based charges. Guideline’s managed portfolios have blended expense ratios ranging from 0.067% to 0.069% of assets under management. When combined with an assumed account fee of 0.15%, the estimated total AUM fees for one of Guideline’s managed portfolios can be under 0.22%. Alternative account fee pricing is available ranging from 0.15% to 0.35%. Contact Sales at hello@guideline.com to learn more about exclusive pricing options available in Enterprise tier. Expense ratios for custom portfolios will vary. These expense ratios are subject to change by and paid to the fund(s). View full fund lineup.
  • 10
    Guideline’s average plan sponsor satisfaction score (CSAT) based on feedback received from 1/1/2023 to 12/31/2023.
  • This information is general in nature and is for informational purposes only. It shouldn’t be used as a substitute for specific tax, legal and/or financial advice that considers all relevant facts and circumstances. Investing involves risk and investments may lose value. Tax laws and regulations are complex and subject to change. You should consult a qualified financial adviser or tax professional before relying on this information.

Guideline.com is owned and operated by Guideline, Inc. (“Guideline”), an SEC-registered investment adviser. Investment-related content is provided for general information purposes only, and is not intended to be construed as investment advice. Investments involve risk and are not guaranteed.

© 2024 Guideline, Inc.

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