State Auto-IRA

For Employers

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Simplify saving for the future with a Solo 401(k), designed for self-employed individuals.

Maximize your savings potential

Contribute as both employee and employer. Take advantage of Roth or traditional tax treatment and boost your long-term retirement savings.

Lower your business taxes

Employer contributions are tax-deductible and count as a business expense, helping reduce your taxable income while you save.

Grow with confidence

A Solo 401(k) can convert into a full 401(k) plan as your business grows—no need to start over when you hire eligible employees.

Built-in simplicity

Our platform combines intuitive design, integrated payroll and contribution tracking, and built-in 3(16) administrative support.

Lets see your potential savings!

If you start a qualified retirement plan with auto-enrollment, you may qualify to earn more than $150,000 in tax credits over a three-year period.

Do you currently have a 401(k) plan?

Yes No

How many employees (including owners) were paid more than $5k in W-2 wages last year??

How many of those 10 employees will earn more than $100k this year??

How many of those 10 employees are classified as owners (as defined by the IRS)??

Who will pay the monthly employee fees??

Employer Employee

Which plan type?

WorkplacePlus Flex

OPTIONAL Is a financial advisor receiving a flat fee as part of this plan?

Select Yes No

Calculate Savings

Solo 401(k): The Retirement Plan for Entrepreneurs Insight

An Employer’s Guide to Retirement Plan Tax Credits Insight

What’s the Difference Between Pre-Tax and Roth 401(k) Contributions? Insight

Grow confidently with Vestwell.

Don’t wait to plan for retirement. Open a streamlined, tax-advantaged plan designed for self-employed professionals.

Frequently Asked Questions

How do I log in to my account?

Go to signin.vestwell.com to access your account. If you’re registering for the first time, visit connect.vestwell.com/register and follow the steps to set up your account.

Can I change how much I contribute?

Yes, you can increase, decrease, or pause your contributions anytime from your Vestwell portal.

What happens to my account if I stop being self-employed?

You can leave the funds in the account, roll them over, or convert the plan based on your future needs.

Can my spouse participate in my Solo 401(k)?

Yes, if your spouse earns income from your business, he or she can also contribute to the plan.

Are Roth contributions available in a Solo 401(k)?

Yes, Vestwell supports both Roth and traditional contributions so you can choose your preferred tax treatment.

529 Education Savings A tax-advantaged way to save for future education costs

Student Loan Repayment A benefit to help employees pay off student loans faster.

Emergency Savings A secure way to save for life's unexpected expenses.

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The tax credit calculator is meant to be an estimate and it is provided for informational purposes only. It is based on credits that may be available to your business based on the current version of the Internal Revenue Code in effect and does not take into account potential changes to the tax credits that may be available to you that are currently under consideration. This calculator also does not take into account any other aspect of your business that may entitle your business to greater or fewer tax credits from starting or offering a new or existing retirement plan nor does it reflect any other fees or expenses associated with your plan. The tax credits that the Internal Revenue Service determines are available to your business could be materially different from the output of the tax credit calculator.