Owner-Only, SoloK, & Family Business
Retirement Plan Solutions

1099 Contractors, Realtors, Doctors, Attorneys, Consultants and the list goes on... These days, more people are starting their own businesses and want to save for retirement, but don't know where to start. SPC has the solutions you need.

2025 Annual Limits
401k Deferrals (Contributions up to $31,000 each)
401k w/Profit Sharing (Contributions up to $76,500 each)
Cash Balance Plans (Contributions up to $350,000+ each)

Our team is focused on your business, personal goals, and most importantly, the flexibility that Solo Business Owners, Family Businesses & Partnerships need.

I'd like to discuss options

The SPC Owner-Only Business Process

Every Client is different. When starting a plan (or considering enhancing your plan), we take a custom approach focused on your goals. For Owner-Only Businesses & Family-Only Plans, SPC has a turn-key solution from start to finish.

Initial Consultation

What type of business do you have? Do you have employees - or - plan to have employees?

Goals & Plan Design

Are you focused more on tax deductions or saving for retirement? Or both? How many Participants?

Document & Account(s)

Every plan requires an adoption agreement to open the plan account(s) for funding.

Account Funding

We consult with your CPA to ensure that the plan is funded correctly for your maximum tax deductions.

Owner-Only Business Design & Annual Service

SPC has you covered from start-up to annual filing. We can create your custom document, consult throughout the year on contribution amounts & funding, and prepare your annual 5500 Form for e-Filing each year.

SoloK / Individual 401k

$500 Start-up Fee
$45 / Month

A SoloK or Individual 401k plan is designed for a solo business owner, 1099 contractor, or sole-proprietor business without W2 employees.

SPC has a solution for you:

- Custom Plan Document
- Establish Plan Trust
- Annual Contribution Estimates
- CPA/Advisor Consultation
- Prepare 5500 EZ for e-File

SoloK w/ Spouse

$500 Start-up Fee
$45 / Month Primary
$35 / Month for Spouse

If you are a solo business owner and would like to add you spouse to your SoloK, you can without any changes to the plan document.

SPC has a solution for you:

- Custom Plan Document
- Establish Plan Trust
- Annual Contribution Estimates
- CPA/Advisor Consultation
- Prepare 5500 EZ for e-File

Owner-Only 401k

$750 Start-up Fee
$45 / Month / Owner

Are you a Partnership, S-Corp, C-Corp with another owner who is not your spouse? SPC has a solution for you. Our Owner-Only Business Plan Service is for you.

SPC has a solution for you:

- Custom Plan Document
- Establish Plan Trust
- Annual Contribution Estimates
- CPA/Advisor Consultation
- Prepare 5500 SF for e-File

Family 401k Plan

$750 Start-up Fee
$45 / Month / Owner
$35 / Month / Family Member

Does your business only employee immediate family members? SPC has a unique solution for you. Our Family Plan Service provides an option for everything you need.

SPC has a solution for you:

- Custom Plan Document
- Establish Plan Trust
- Fidelity Bond Assistance
- Annual Contribution Estimates
- CPA/Advisor Consultation
- Prepare 5500 SF for e-File

Adding Owners or Family Members

$45 / Month / Owner
(Must be more than 5% Owner)

$35 / Month / Family Member
(Must be immediate family)

SPC wants to help your business grow and help you expand your benefits. If you take on a partner or want to hire your parent or child, we can help re-design your plan.

Adding an additional owner or immediate family member to your plan is easy. We are dedicated to you. See the SPC difference for yourself & your business.

Transition for Growth

What happens if we hire non-family W2 Employees?
- or -
Want to add a Cash Balance Plan to your SPC 401k?

SPC has developed our Owner-Only & Family Plan solutions specifically for businesses without non-owner / non-family member employees. As you add staff, your plan annual compliance needs will change as well.

We have a national network of TPA & Actuary Partners to seamlessly transition from our annual service into a consultative role to keep your plan moving forward.

Owner-Only, SoloK, & Family Business Retirement Plan Solutions