If you’re self-employed or have your own business, you can have a small business retirement plan. It’s a great way to save for your own future, get tax breaks for your business and offer competitive employee benefits. Start by selecting the right small business retirement plan for you. 

Individual 401(k)	Apply Now Download an application or Request an application by mail
An individual 401(k) has many of the same benefits as a traditional 401(k) but costs less and requires much less administration. Substantial pre-tax salary deferrals and profit-sharing contributions make building your retirement savings faster and easier. This could be the right choice for you if you don’t have any employees other than your spouse. More details
SEP-IRA	Apply Now Download an application or Request an application by mail
A SEP-IRA (simplified employee pension plan) is one of the easiest small business retirement plans to set up and maintain. There’s little administration for you to do, and tax filing isn’t required. This could be the right choice for you if you want to make sizeable retirement plan contributions for yourself and any eligible employees. More details
Personal Defined Benefit Plan	Apply Now Download an application or Request an application by mail
A personal defined benefit plan targets a desired level of retirement income and allows you to save aggressively to get there. Contribution amounts are adjusted each year to help you reach your goal. This could be the right choice for you if you’re self-employed or a small business owner near retirement and can contribute at least $80,000 a year. More details
Profit-sharing Plan	Apply Now Request an application by mail
A profit-sharing plan is a qualified retirement plan that allows you to contribute for yourself and any eligible employee. This could be the right choice for you if you’re self-employed or a small business owner with employees and you want more control over vesting and employee participation. More details
SIMPLE IRA	Apply Now Download an application or Request an application by mail
A SIMPLE IRA is a low-cost plan that’s easy to set up. Eligible employees can fund their own accounts by way of regular salary deferrals; you make additional contributions to their accounts. This could be the right choice for you if you’re a small business owner with no more than 100 employees. More details
Business 401(k) Plan	Apply Now Call 877-456-0777
Appropriate for any size business, a 401(k) plan allows your company to enjoy an individually designed retirement plan. Employees can typically make larger salary deferrals than with other plans, and your business gets tax benefits. This could be the right choice for you if you want a customized company retirement plan. More details
Company Retirement Account	Apply Now Download an application or Request an application by mail
A Schwab Company Retirement Account (CRA) is a account created to hold the assets of your individually designed employer-sponsored plan. This could be the right choice for you if you are a business owner with an established retirement plan and you want to invest some or all of your plan’s assets at Schwab. More details