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Question

SEP IRA or Solo 401(k): which retirement plan is better for real estate agents?

Answer

Solo 401(k) is generally better for most agents because it allows higher contributions (up to $69,000 in 2024, or $76,500 with catch-up), offers Roth options, and permits loans against your balance. SEP IRA is simpler administratively but has the same contribution limit with less flexibility and no Roth option.

Related FAQs

Self-managing finances or working with an advisor: which is better for real estate agents?

Traditional or Roth contributions: which is better for real estate agents with variable income?

LLC or S Corporation: which entity structure saves more on taxes?
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Last Updated May 20, 2026
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