Retirement plans the self employed and those with multiple employers

**Martha** · 10-19-2007, 03:22 PM

10-19-2007, 03:22 PM	#1
Martha Administrator Join Date: Feb 2004 Location: minnesota Posts: 10,071	Retirement plans the self employed and those with multiple employers The applicable IRS publication is Publication 560 (2006), Retirement Plans for Small Business. Possibilities include solo 401k plans (some providers allow a ROTH option), defined benefit plans, SEP IRAs, simple 401ks or simple IRAs. IRAs are specifically dealt with in this publication: http://www.ris.gov/publications/p590/index.html Some of the threads also talk about how to maximize your retirement plan contributions when you have multiple employers or have both a retirement plan through work and you also want to set up a retirement plan to shelter some of your self employment income. A separate fAQ will deal with spousal IRAs--putting aside pretax money for a non-working spouse. Another Tax Question: IRA Contributions http://www.early-retirement.org/foru...01k-29891.html http://www.early-retirement.org/foru...01k-29867.html http://www.early-retirement.org/foru...ide-29663.html http://www.early-retirement.org/foru...ers-29616.html S-Corporation Profit Sharing Plan http://www.early-retirement.org/foru...ver-29064.html Solo Roth 401k question Self-Employed Retirement Savings Plans http://www.early-retirement.org/foru...ent-28838.html http://www.early-retirement.org/foru...orp-27836.html Solo 401k Questions http://www.early-retirement.org/foru...ira-26221.html http://www.early-retirement.org/foru...01k-24754.html Contract work - 401k? http://www.early-retirement.org/foru...com-23726.html Simple vs SEP IRA http://www.early-retirement.org/foru...ers-23636.html http://www.early-retirement.org/foru...yee-20477.html http://www.early-retirement.org/foru...01k-19429.html http://www.early-retirement.org/foru...yed-18873.html Solo 401k SEP-IRA http://www.early-retirement.org/foru...yed-15422.html Question about SEP-IRA contributions http://www.early-retirement.org/foru...01k-29867.html SEP-IRA Contribution Self employed...employee contribution http://www.early-retirement.org/foru...yed-18873.html Tax Minimization These two threads talk about how to coordinate contribution limits if you have more than one plan, such as multiple 401k plans, or a 401k and a 403b plan. Contributions do not have to be coordinated if the other plan is a 457 plan: http://www.early-retirement.org/foru...ave-37671.html http://www.early-retirement.org/foru...ons-37679.html __________________ . Do not rely on the information provided--my posts are not to be taken as legal advice. Needless to say you must consult with your legal representative. I am not responsible for errors. If I offended you with cya I apologize. If I did not, I tried. Last edited by Martha; 08-03-2008 at 10:42 AM..

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