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< Small Business Retirement
 * Small Business Retirement
 * Individual 401(k)
 * SEP IRA
 * Personal Defined Benefit Plan
   * * Personal Defined Benefit Plan
     * Personal Defined Benefit Plan FAQs
 * SIMPLE IRA
 * Business 401(k) Plan
 * Company Retirement Account



SECURE 2.0 Act of 2022 was enacted on 12/23/2022 and could have significant
impacts on how you save for retirement. For more information, view the
Washington Update.


SMALL BUSINESS RETIREMENT PLANS

Schwab offers plans for businesses of any size. Use the information here to
begin narrowing your options, or simply give us a call for help choosing the
right plan for your business, whether your company employs one or many.

Explore our Lifetime Income Illustration Tool


INDIVIDUAL 401(K) PLAN

 * INDIVIDUAL 401(K) PLANS
   
   Who it's for:
   
   Owner-only businesses with no employees
   
   Key features: 
   
    * All the benefits of a traditional 401(k)
    * High contribution limits
    * Easy to administer
   
   Individual 401(k) plan details

 * SEP-IRA
   
   Who it's for:
   
   Owner-only businesses or those with just a few employees
   
   Key features:
   
    * No IRS filing or reporting
    * Allows for contributions for you and any employees
    * Easy to administer
   
   SEP-IRA plan details

 * SIMPLE IRA
   
   Who it's for:
   
   Businesses with up to 100 employees
   
   Key features:
   
    * Primarily funded with employee salary-deferral contributions
    * Employer-matched contributions up to 3%
    * An easy and economical plan to administer
   
   SIMPLE IRA plan details


RETIREMENT PLANS

 * PERSONAL DEFINED BENEFIT PLAN
   
   Who it's for:
   
   Owner-only businesses or those with up to five employees
   
   Key features:
   
    * Highest contribution limits 
    * Contributions are generally 100% tax-deductible
    * Helps target your desired level of income in retirement
   
   Personal defined benefit plan details

 * BUSINESS 401(K) PLAN
   
   Who it's for:
   
   Businesses of any size
   
   Key features:
   
    * Permits a higher level of salary deferrals by employees than other plans
    * Optional annual employer contributions
    * Greater plan customization
   
   Business 401(k) plan details

 * COMPANY RETIREMENT ACCOUNT (CRA)
   
   Who it's for:
   
   Businesses with an established retirement plan
   
   Key features:
   
    * An investment-only solution
    * Access to Schwab’s full range of investment options
    * $0 account open or maintenance fees. Other account fees, fund expenses,
      and brokerage commissions may apply1.
   
   Company Retirement Account details

1. See the Charles Schwab Pricing Guide for Individual Investors ("the Guide")
and any amendments to the Guide for comprehensive details on fees.

This information is not intended to be a substitute for specific individualized
tax, legal or investment planning advice. Where specific advice is necessary or
appropriate, Schwab recommends consultation with a qualified tax advisor, CPA,
financial planner or investment manager.

(0123-2GVN)
Brokerage Products: Not FDIC Insured • No Bank Guarantee • May Lose Value

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broker-dealer subsidiary, Charles Schwab & Co., Inc. (Member SIPC), offers
investment services and products, including Schwab brokerage accounts. Its
banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing
Lender), provides deposit and lending services and products. Access to
Electronic Services may be limited or unavailable during periods of peak demand,
market volatility, systems upgrade, maintenance, or for other reasons.

This site is designed for U.S. residents. Non-U.S. residents are subject to
country-specific restrictions. Learn more about our services for non-U.S.
residents.

© 2023 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. Unauthorized
access is prohibited. Usage will be monitored.



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