The Solo 401(k) & SEP IRA Masterclass 2026 — Retirement Accounts for Freelancers & 1099 Earners

If you're self-employed and don't have a Solo 401(k) or SEP IRA, you're almost certainly handing the IRS more than you need to.

As a freelancer you can contribute to your own retirement plan as both the employee and the employer — sheltering tens of thousands of dollars a year and cutting your taxable income at the same time. This masterclass shows you exactly how to do it.

What you'll learn in this 10-page guide:

→ How tax-advantaged retirement accounts lower your taxable income, dollar for dollar → The SEP IRA in depth — limits, the real contribution math, when it's the right call → The Solo 401(k) in depth — the two-bucket structure, catch-up contributions, and the Roth option → Fully updated 2026 contribution limits, including the new Roth catch-up rule → A side-by-side comparison and a clear decision framework → Two worked examples ($60k and $300k earners) → Step-by-step setup, the deadlines that matter, and the mistakes to avoid

Built for: freelancers, solopreneurs, 1099 contractors, gig workers, and single-member LLC owners.

Format: 10-page designed PDF • Instant download • Any device

Educational information only, not financial or tax advice. Verify current figures at irs.gov and consult a licensed professional.