jjfacejj Posted August 14, 2015 Report Share Posted August 14, 2015 I have a solo 401k and a SEP IRA with a prototype plan with schwab (so I can use both at the same time) - I'm a sole proprietor so no employees. I read a lot about there being no advantage to having both but isn't it the case that if I wanted roth contributions I could contribute to a sep IRA and then roll it over into a roth IRA? Sure I could have a roth 401k but that has more restrictions - mainly the inability to withdraw contributions early unless a very small number of scenarios are met. Is there anything stopping me putting my employer contributions into the SEP IRA and rolling over to a Roth IRA each year (or less frequently) and then contributing the employee portion to the solo 401k? Thank you Link to comment Share on other sites More sharing options...
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