The 8-Minute Video That Shows You How to Legally Shelter up to $72,000 in Commissions From Taxes This Year
For real estate agents, brokers, flippers, and investors with self-employment income.
Free · No obligation · Takes about 2 minutes
Partnered with Solo 401(k)–specific banks & custodians
Real Numbers, Not Theory
That's how much you can legally move out of this year's taxable income and into your own retirement plan, sheltered from taxes, not just delayed.
You serve as Trustee, Plan Administrator, and Fiduciary of your own plan, so no outside custodian has to approve a deal before you write the check.
Self-directed IRAs pay UBIT/UDFI tax up to 37% on real estate bought with a loan. Under IRC Section 514(c)(9), a properly structured Solo 401(k) is exempt from that tax on leveraged real estate.
Your Solo 401(k) can lend you up to $50,000 for fast liquidity, so you're never stuck waiting on a bank to move on a deal.
The System Wasn't Built
for Real Estate Income
Traditional financial advisors focus on W-2 employees with corporate 401(k)s and match programs. If you earn from commissions, flips, or rental real estate, the default advice often ignores, or even penalizes, your income. Here's what that silence is actually costing you.
- 01
Agents & brokers: commission income is feast-or-famine. A strong closing month can push you into a 32% or 37% tax bracket, yet there's no employer matching your contributions or helping you smooth the tax hit.
- 02
Flippers & wholesalers: your deal profits are taxed as ordinary income, not capital gains. A six-figure flip can lose $30,000+ to federal tax alone before you've sheltered a dollar for retirement.
- 03
Buy-and-hold investors: using a self-directed IRA with leverage on rental real estate triggers UDFI/UBIT tax on the debt-financed portion, and you still can't use that income personally.
- 04
No employer match means every dollar of retirement savings comes straight from your own production, while most real estate earners never realize a Solo 401(k) lets them save far more than a traditional IRA.
- 05
Wall Street lock-in: most advisors want your retirement money parked in funds and indexes, not in the notes, rentals, or real estate deals you actually understand and control.
- 06
Personal asset exposure: without the right plan structure, a bad deal, lawsuit, or liability claim can reach into retirement savings you assumed were protected.
of a flip or wholesale profit can disappear to ordinary income tax before you've sheltered a single dollar toward retirement.
Maximum potential annual contribution* sheltered from taxes as both employee and employer of your own business, up to $80,000 with catch-up if you're 50+.
*2026 IRS limits. Your actual maximum depends on age, income, and business structure.
You Can Be Both the Employee and the Employer
That's what makes the Solo 401(k) the most powerful retirement account in the U.S. tax code for self-employed people, and almost nobody knows it exists.
- Employee and employer contributions, both roles filled by a single person: you.
- An optional Roth component, so part of your retirement can grow completely tax-free.
- Loan provisions that IRAs simply don't allow.
- Full checkbook control and access to alternative assets like real estate, since you're the Trustee, not a bank or custodian.
Invest in What You Actually Understand
The Autonomous Investor Blueprint
A plain-English playbook for real estate pros who want to keep more of every commission, flip, and rental dollar.
Survival 401k
The Autonomous Investor Blueprint
The Real Estate Pro's Guide to Building Tax-Sheltered Wealth With a Solo 401(k).
Shelter More Commission Income
See exactly how top-producing agents defer taxes on up to $72,000 in 2026 earnings.
UBIT-Exempt Real Estate Plays
The IRC 514(c)(9) rules that let a Solo 401(k) skip UBIT on leveraged deals.
Step-By-Step Setup
The exact structure flippers, investors, and brokers use to fund their next deal tax-advantaged.
Free · No obligation · Delivered instantly to your inbox
How Does a Solo 401(k) Stack Up?
| Feature | Solo 401(k) Best Choice | SEP IRA | SIMPLE IRA | Traditional IRA |
|---|---|---|---|---|
| 2026 Contribution Limit | $72,000 | $72,000 | $17,000 | $7,500 |
| Catch-Up (Age 50+) | Up to $8,000 | None | Up to $4,000 | $1,100 |
| Max Total (50+) | $80,000 | $72,000 | $21,000 | $8,600 |
| Roth Option | Yes | No | No | Roth IRA separate |
| Loan Provisions | Up to $50,000 | None | None | None |
| Employee + Employer Contributions | Both | Employer only | Both (capped low) | Employee only |
| External Custodian Required | None, self-trusteed | Required | Required | Required |
| Checkbook Control | Built in | Requires separate LLC | Requires separate LLC | Requires separate LLC |
| UBTI Exempt on Leveraged RE*Real Estate Edge | Yes | Subject to UBTI | Subject to UBTI | Subject to UBTI |
| Life Insurance Allowed | Yes, limited | No | No | No |
| Annual Filing Requirement | Form 5500-EZ if assets > $250K | Form 5498 | Form 5498 | Form 5498 |
2026 IRS limits shown. Individual eligibility and contribution capacity depend on age, income, and business structure. *UBTI exemption on leveraged real estate applies only when the acquisition debt and property meet IRC §514(c)(9) requirements. Consult a tax professional for your situation.
“I built Survival 401k specifically to serve the self-employed community that the big institutions ignore.”
Based in San Antonio, Texas, and working with self-employed professionals nationwide, handling the plan document and the ongoing compliance, so you can serve as your own Trustee, Plan Administrator, and Fiduciary and just focus on building wealth.
“One of my clients, a freelance consultant based in Texas, had been earning six figures for four years without a retirement plan. After we set up a properly structured Solo 401(k), she sheltered more than $18,000 from taxes in year one alone.”
Here's Exactly What You Get,
Plus a $100 Setup Voucher
- A fully compliant Solo 401(k) plan document, tailored to your specific business structure.
- Full guidance on your role as Trustee, Plan Administrator, and Fiduciary, with no outside custodian required.
- Education on the benefits of using an LLC inside your Solo 401(k), including how an LLC can sponsor your plan for added asset protection and investment flexibility.
- Ongoing support for contributions, loans, and compliance questions.
- A free 30-minute strategy call with Ross personally, to confirm you're eligible and design the right structure for your situation.
Claim Your $100 Setup Voucher
Enter your details below to receive your $100 savings code, a copy of the Solo 401(k) guide, and next steps for setting up your plan.
Free · No obligation · Takes about 2 minutes
Questions Worth Asking
Every Month You Wait Is
a Contribution Window
You Can't Get Back
Claiming your $100 setup voucher is free, there's no obligation, and it takes about 2 minutes. If it's not right for you, you've lost nothing but two minutes, and you'll still know exactly what your retirement options are. But 2026 Solo 401(k) contributions have to come from 2026 self-employment income.
Or call (833) 224-5517 to talk with our team directly.