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Retirement Accounts Articles

Browse 2 Gruv blog articles tagged Retirement Accounts. Coverage includes Payment Protection & Finance. Practical guides, examples, and checklists for cross-border payments, tax, compliance, invoicing, and global operations.

Financial Planning31 min read

Can I have both a SEP IRA and a Solo 401(k)?

Yes, in some situations you can contribute to both a SEP IRA and a Solo 401(k) in the same year. The real question is whether that actually improves the outcome once you account for eligibility, contribution coordination, and extra admin. For many owner-only freelancers, one well-run one-participant 401(k) already gets them where they want to go without adding a second plan to manage.

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Risk Management16 min read

A Deep Dive into Prohibited Transactions for a Solo 401(k)

To use a Solo 401(k) well, you do not need to memorize dense IRS code. You need one clear mental model: the **Firewall Principle**. It creates a hard legal and financial boundary between two separate worlds: your **Personal/Business Pocket** and your **Retirement Pocket**.

prohibited transactionsself-dealingsolo 401k rules+2 more
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