[{"data":1,"prerenderedAt":1407},["ShallowReactive",2],{"config-published":3,"i-ph:caret-down-bold":732,"i-ph:magnifying-glass":735,"i-ph:list":737,"i-ph:instagram-logo":739,"i-ph:youtube-logo":741,"i-ph:x-logo":743,"i-ph:facebook-logo":745,"i-ph:linkedin-logo":747,"discover/retirement/self-directed-401k-published":749,"i-uil:list-ul":1395,"breadcrumbs-/discover/retirement/self-directed-401k":1398,"i-ph:caret-right":1405},{"name":4,"created_at":5,"published_at":6,"updated_at":7,"id":8,"uuid":9,"content":10,"slug":724,"full_slug":724,"sort_by_date":34,"position":725,"tag_list":726,"is_startpage":543,"parent_id":727,"meta_data":34,"group_id":728,"first_published_at":729,"release_id":34,"lang":730,"path":34,"alternates":731,"default_full_slug":34,"translated_slugs":34},"App configuration","2022-11-24T11:24:28.448Z","2026-01-07T10:07:40.657Z","2026-01-07T10:07:40.684Z",224651377,"a6261810-1b4d-4071-a43d-805ea558bf15",{"_uid":11,"href":12,"text":12,"component":13,"advisorCTA":14,"headerMenu":41,"footerLinks":538,"loginLinkUrl":559,"advisorCTAUrl":560,"loginLinkText":12,"proHeaderMenu":561,"FooterRichText":643,"advisorCTALink":28,"advisorCTAText":644,"openInNewWindow":543,"footerLegalLinks":645,"geoWarningCTAUrl":666,"footerDisclaimer1":12,"footerDisclaimer2":667,"footerDisclaimer3":12,"footerSocialLinks":668,"geoWarningCTALink":689,"geoWarningCTAText":690,"FooterStickyBanner":691,"geoWarningCTAClose":692,"geoWarningCTATitle":693,"SpeakToAdvisorWidget":694,"newsletterSignupWidget":704},"cb57aa4d-0af2-49b3-8b8f-16521700f0a8","","app-configuration",{"type":15,"content":16},"doc",[17],{"type":18,"content":19},"paragraph",[20,27],{"text":21,"type":22,"marks":23},"Are you an adviser? ","text",[24],{"type":25,"attrs":26},"styled",{"class":12},{"text":28,"type":22,"marks":29},"Go to Unbiased Pro",[30,37,39],{"type":31,"attrs":32},"link",{"href":33,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.unbiased.com/pro",null,"_self","url",{"type":38},"bold",{"type":25,"attrs":40},{"class":12},[42,148,269,368,440],{"CTA":43,"_uid":57,"title":58,"component":59,"overview_link":60,"main_section_links":75,"main_section_title":132,"additional_section_links":133,"additional_section_title":147},[44],{"_uid":45,"link":46,"component":56},"2298396f-4a40-4282-b5ef-f30a3b9619b8",{"type":15,"content":47},[48],{"type":18,"content":49},[50],{"text":51,"type":22,"marks":52},"Find an advisor",[53],{"type":31,"attrs":54},{"href":55,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor","app-link-rich","6ee9fa7a-ee9d-4a0d-b913-99f9ee1b6e05","Financial Advice","app-header-menu-item-dropdown",[61],{"_uid":62,"link":63,"component":56},"91b4e023-f3d0-49ba-9748-f63e5fac2b1f",{"type":15,"content":64},[65],{"type":18,"content":66},[67],{"text":68,"type":22,"marks":69},"All financial advice guides",[70],{"type":31,"attrs":71},{"href":72,"uuid":73,"anchor":34,"target":35,"linktype":74},"/discover/financial-advice/","34bbfdfd-544e-42d2-aebd-78a15ad88cba","story",[76,89,102,115],{"_uid":77,"link":78,"component":56},"9f8d25a8-d93c-4d4a-a4c0-a63e37483485",{"type":15,"content":79},[80],{"type":18,"content":81},[82],{"text":83,"type":22,"marks":84},"Top investment companies",[85],{"type":31,"attrs":86},{"href":87,"uuid":88,"anchor":34,"target":35,"linktype":74},"/discover/financial-advice/top-investment-companies","3b175b31-cbbf-48ec-8faa-9cfd540973df",{"_uid":90,"link":91,"component":56},"85fbb733-400d-421b-afaf-5d85ae69bb31",{"type":15,"content":92},[93],{"type":18,"content":94},[95],{"text":96,"type":22,"marks":97},"Top Robo-Advisors",[98],{"type":31,"attrs":99},{"href":100,"uuid":101,"anchor":34,"target":35,"linktype":74},"/discover/financial-advice/best-robo-advisors","f73492c0-bcc0-4243-a4de-cc85fca28178",{"_uid":103,"link":104,"component":56},"9bfc68dd-ea47-48cf-a9ae-58589bbba599",{"type":15,"content":105},[106],{"type":18,"content":107},[108],{"text":109,"type":22,"marks":110},"Top financial advisor firms",[111],{"type":31,"attrs":112},{"href":113,"uuid":114,"anchor":34,"target":35,"linktype":74},"/discover/financial-advice/best-financial-advisor","cd1dd08f-886e-453d-babc-4a707c50b530",{"_uid":116,"link":117,"component":56},"dea791c8-aa54-4a1b-8ac8-a7de2006036b",{"type":15,"content":118},[119],{"type":18,"content":120},[121],{"text":122,"type":22,"marks":123},"Top wealth management firms",[124,128],{"type":31,"attrs":125},{"href":126,"uuid":127,"anchor":34,"target":35,"linktype":74},"/discover/financial-advice/top-wealth-management-firms","b1e6000d-ed2b-4fc8-bbb2-7e803f4b512f",{"type":129,"attrs":130},"textStyle",{"color":131},"rgb(0, 0, 0)","Get help with",[134],{"_uid":135,"link":136,"component":56},"f234c95d-2ad5-4cb6-9484-4c4b31413c2f",{"type":15,"content":137},[138],{"type":18,"content":139},[140],{"text":141,"type":22,"marks":142},"Financial advisors near me",[143],{"type":31,"attrs":144},{"href":145,"uuid":146,"anchor":34,"target":35,"linktype":74},"/discover/financial-advice/find-a-financial-advisor-near-me","ecbad03f-43f9-48db-af9c-1e63b145b2d9","More resources",{"CTA":149,"_uid":160,"title":161,"component":59,"overview_link":162,"main_section_links":176,"main_section_title":132,"additional_section_links":229,"additional_section_title":147},[150],{"_uid":151,"link":152,"component":56},"8e607e09-445b-4f4c-9615-e8d266f35612",{"type":15,"content":153},[154],{"type":18,"content":155},[156],{"text":51,"type":22,"marks":157},[158],{"type":31,"attrs":159},{"href":55,"uuid":34,"anchor":34,"target":35,"linktype":36},"85c0c112-23fe-46b2-ae32-196f05710318","Retirement",[163],{"_uid":164,"link":165,"component":56},"bbf6b9e2-609e-4a82-ab5d-5ad9d07bd1a1",{"type":15,"content":166},[167],{"type":18,"content":168},[169],{"text":170,"type":22,"marks":171},"All retirement guides",[172],{"type":31,"attrs":173},{"href":174,"uuid":175,"anchor":34,"target":35,"linktype":74},"/discover/retirement/","0580c990-ee0a-4287-ac8d-d2e4689a1051",[177,190,203,216],{"_uid":178,"link":179,"component":56},"28f1d44a-d98d-4b93-9a4f-3893950dbcc0",{"type":15,"content":180},[181],{"type":18,"content":182},[183],{"text":184,"type":22,"marks":185},"Retiring on $300K",[186],{"type":31,"attrs":187},{"href":188,"uuid":189,"anchor":34,"target":35,"linktype":74},"/discover/retirement/can-you-retire-on-300k","73defa57-75a4-4cf8-8cf7-15ba93619e2c",{"_uid":191,"link":192,"component":56},"9872bd56-d9cb-4b13-88e5-a336f0246043",{"type":15,"content":193},[194],{"type":18,"content":195},[196],{"text":197,"type":22,"marks":198},"Retiring on $500K",[199],{"type":31,"attrs":200},{"href":201,"uuid":202,"anchor":34,"target":35,"linktype":74},"/discover/retirement/can-you-retire-on-500k","33db366d-aae1-49e7-afdd-62751a0fbd10",{"_uid":204,"link":205,"component":56},"48b2cd52-8bf8-4fe3-9a91-835a353cacbb",{"type":15,"content":206},[207],{"type":18,"content":208},[209],{"text":210,"type":22,"marks":211},"Retiring on $800K",[212],{"type":31,"attrs":213},{"href":214,"uuid":215,"anchor":34,"target":35,"linktype":74},"/discover/retirement/retiring-with-800k","42a16b7d-6141-4422-8909-87718b57d06d",{"_uid":217,"link":218,"component":56},"68aa3dbb-59d2-4dec-ab2c-8a74355de45d",{"type":15,"content":219},[220],{"type":18,"content":221},[222],{"text":223,"type":22,"marks":224},"Retiring on $1 million",[225],{"type":31,"attrs":226},{"href":227,"uuid":228,"anchor":34,"target":35,"linktype":74},"/discover/retirement/can-you-retire-on-1-million","4a022cdb-ad83-4b88-ab6a-87b8e39f482e",[230,243,256],{"_uid":231,"link":232,"component":56},"544b38e5-ba7a-4b9d-b8e0-86a11eae4381",{"type":15,"content":233},[234],{"type":18,"content":235},[236],{"text":237,"type":22,"marks":238},"Retirement calculator",[239],{"type":31,"attrs":240},{"href":241,"uuid":242,"anchor":34,"target":35,"linktype":74},"/discover/retirement/retirement-calculator","e750018f-e90c-4df6-b63a-97268dfdf93c",{"_uid":244,"link":245,"component":56},"20fc13a0-0418-4af1-a0c2-2c647dbbc39e",{"type":15,"content":246},[247],{"type":18,"content":248},[249],{"text":250,"type":22,"marks":251},"Roth IRA calculator",[252],{"type":31,"attrs":253},{"href":254,"uuid":255,"anchor":34,"target":35,"linktype":74},"/discover/retirement/roth-ira-calculator","58116e58-282b-41cd-8932-b47bebec7568",{"_uid":257,"link":258,"component":56},"5c17edab-55c5-4b48-bddd-7779f22984ec",{"type":15,"content":259},[260],{"type":18,"content":261},[262],{"text":263,"type":22,"marks":264},"What is a 401k",[265],{"type":31,"attrs":266},{"href":267,"uuid":268,"anchor":34,"target":35,"linktype":74},"/discover/investing/what-is-a-401k-and-how-does-it-work","342bd874-c9e1-426c-bba7-116d1f9665dc",{"CTA":270,"_uid":281,"title":282,"component":59,"overview_link":283,"main_section_links":297,"main_section_title":132,"additional_section_links":354,"additional_section_title":147},[271],{"_uid":272,"link":273,"component":56},"aada5723-1aa7-40fc-a2e8-a555f6d924cc",{"type":15,"content":274},[275],{"type":18,"content":276},[277],{"text":51,"type":22,"marks":278},[279],{"type":31,"attrs":280},{"href":55,"uuid":34,"anchor":34,"target":35,"linktype":36},"495763d1-ee75-4112-9ef6-5765d8c6a6be","Investing",[284],{"_uid":285,"link":286,"component":56},"66d9a1fe-709f-46f9-9731-2f59ebccb2cc",{"type":15,"content":287},[288],{"type":18,"content":289},[290],{"text":291,"type":22,"marks":292},"All investing guides",[293],{"type":31,"attrs":294},{"href":295,"uuid":296,"anchor":34,"target":35,"linktype":74},"/discover/investing/","740d32ec-309a-43d6-902e-cb1e62bd0fe8",[298,312,326,340],{"_uid":299,"link":300,"component":56},"f2050b75-554a-4add-a9e6-8bfa544307d6",{"type":15,"content":301},[302],{"type":18,"attrs":303,"content":304},{"textAlign":34},[305],{"text":306,"type":22,"marks":307},"The best way to invest $20k",[308],{"type":31,"attrs":309},{"href":310,"uuid":311,"anchor":34,"target":35,"linktype":74},"/discover/investing/best-way-to-invest-20k","d39e5bf4-d7b4-426a-a6f2-b871031e724e",{"_uid":313,"link":314,"component":56},"2fc43030-f262-4a71-99c2-39167ce30cce",{"type":15,"content":315},[316],{"type":18,"attrs":317,"content":318},{"textAlign":34},[319],{"text":320,"type":22,"marks":321},"The best way to invest $50k",[322],{"type":31,"attrs":323},{"href":324,"uuid":325,"anchor":34,"target":35,"linktype":74},"/discover/investing/the-best-way-to-invest-50k","abac014e-4ec8-42ae-94a0-64cfdff686d5",{"_uid":327,"link":328,"component":56},"8df420ce-d8dd-4a7a-8947-50fa74ecf8e6",{"type":15,"content":329},[330],{"type":18,"attrs":331,"content":332},{"textAlign":34},[333],{"text":334,"type":22,"marks":335},"The best way to invest $100k",[336],{"type":31,"attrs":337},{"href":338,"uuid":339,"anchor":34,"target":35,"linktype":74},"/discover/investing/the-best-way-to-invest-100k","2c6b4fe9-770f-409a-93cd-791df4eb9318",{"_uid":341,"link":342,"component":56},"fed4141f-0a48-4752-9e11-7253956a4418",{"type":15,"content":343},[344],{"type":18,"attrs":345,"content":346},{"textAlign":34},[347],{"text":348,"type":22,"marks":349},"Investments that pay a monthly income",[350],{"type":31,"attrs":351},{"href":352,"uuid":353,"anchor":34,"target":35,"linktype":74},"/discover/investing/12-investments-that-pay-monthly-income","0898e500-1457-4990-be41-57a3c68d3e9f",[355],{"_uid":356,"link":357,"component":56},"ace14b44-4a28-432f-bf49-e7bd63d0bf4d",{"type":15,"content":358},[359],{"type":18,"content":360},[361],{"text":362,"type":22,"marks":363},"Compound interest calculator",[364],{"type":31,"attrs":365},{"href":366,"uuid":367,"anchor":34,"target":35,"linktype":74},"/discover/investing/compound-interest-calculator","18ece990-d9e2-4dad-8816-fdd320af3dc0",{"CTA":369,"_uid":380,"title":381,"component":59,"overview_link":382,"main_section_links":396,"main_section_title":132,"additional_section_links":439,"additional_section_title":147},[370],{"_uid":371,"link":372,"component":56},"be29d26a-051b-4ce8-984b-36035ef7a503",{"type":15,"content":373},[374],{"type":18,"content":375},[376],{"text":51,"type":22,"marks":377},[378],{"type":31,"attrs":379},{"href":55,"uuid":34,"anchor":34,"target":35,"linktype":36},"b04c8a90-f17c-40ea-a4d5-554e8c69aa14","Banking",[383],{"_uid":384,"link":385,"component":56},"482cacd4-2995-4939-8c56-c9a74ea0236b",{"type":15,"content":386},[387],{"type":18,"content":388},[389],{"text":390,"type":22,"marks":391},"All banking guides",[392],{"type":31,"attrs":393},{"href":394,"uuid":395,"anchor":34,"target":35,"linktype":74},"/discover/banking/","d8de9283-4031-440b-be2f-01ac9349324e",[397,411,425],{"_uid":398,"link":399,"component":56},"0b07ede1-5220-4d9e-9f85-c474d743a260",{"type":15,"content":400},[401],{"type":18,"attrs":402,"content":403},{"textAlign":34},[404],{"text":405,"type":22,"marks":406},"What is private banking",[407],{"type":31,"attrs":408},{"href":409,"uuid":410,"anchor":34,"target":35,"linktype":74},"/discover/banking/what-is-private-banking","b1c04c35-0a8a-4af5-ace1-672aa41f133d",{"_uid":412,"link":413,"component":56},"caa1ee0a-c417-4cfb-b3d3-025466ab1b98",{"type":15,"content":414},[415],{"type":18,"attrs":416,"content":417},{"textAlign":34},[418],{"text":419,"type":22,"marks":420},"US income breakdown",[421],{"type":31,"attrs":422},{"href":423,"uuid":424,"anchor":34,"target":35,"linktype":74},"/discover/banking/how-much-income-puts-you-in-the-top-1-5-or-10","ddda3782-1859-49a4-82ed-935303e2bec6",{"_uid":426,"link":427,"component":56},"6a0937f3-2014-431f-a77c-95e748072003",{"type":15,"content":428},[429],{"type":18,"attrs":430,"content":431},{"textAlign":34},[432],{"text":433,"type":22,"marks":434},"Cost of living in Florida",[435],{"type":31,"attrs":436},{"href":437,"uuid":438,"anchor":34,"target":35,"linktype":74},"/discover/banking/what-is-the-cost-of-living-in-florida","9c970b27-4644-43af-834f-eba5f1ae136a",[],{"CTA":441,"_uid":452,"title":453,"component":59,"overview_link":454,"main_section_links":468,"main_section_title":132,"additional_section_links":525,"additional_section_title":147},[442],{"_uid":443,"link":444,"component":56},"f2cea9b3-b01d-4bbf-b18b-52a0737eaf3c",{"type":15,"content":445},[446],{"type":18,"content":447},[448],{"text":51,"type":22,"marks":449},[450],{"type":31,"attrs":451},{"href":55,"uuid":34,"anchor":34,"target":35,"linktype":36},"a5e4b27e-1713-42d5-9597-6882a94968c0","Taxes",[455],{"_uid":456,"link":457,"component":56},"40d47d8f-3a14-4596-9d64-337daeb3fbf5",{"type":15,"content":458},[459],{"type":18,"content":460},[461],{"text":462,"type":22,"marks":463},"All tax guides",[464],{"type":31,"attrs":465},{"href":466,"uuid":467,"anchor":34,"target":35,"linktype":74},"/discover/taxes/","cff941f3-03a9-464a-b168-0d9b1eef9ce4",[469,483,497,511],{"_uid":470,"link":471,"component":56},"e366294b-be7d-47bb-b127-25b39aab3467",{"type":15,"content":472},[473],{"type":18,"attrs":474,"content":475},{"textAlign":34},[476],{"text":477,"type":22,"marks":478},"Capital gains tax for seniors",[479],{"type":31,"attrs":480},{"href":481,"uuid":482,"anchor":34,"target":35,"linktype":74},"/discover/taxes/capital-gains-tax-exemption-for-seniors-what-does-it-mean-for-you","62ae1223-58e7-4fe8-9081-2a9d047cfb84",{"_uid":484,"link":485,"component":56},"336d1192-6b9d-4a98-8922-1877072f3003",{"type":15,"content":486},[487],{"type":18,"attrs":488,"content":489},{"textAlign":34},[490],{"text":491,"type":22,"marks":492},"Capital gains tax by state",[493],{"type":31,"attrs":494},{"href":495,"uuid":496,"anchor":34,"target":35,"linktype":74},"/discover/taxes/capital-gains-tax-by-state","94d6ce4a-1ba6-444f-a41d-4ae541b99b79",{"_uid":498,"link":499,"component":56},"7450de66-1ff3-447c-b191-1f75166a6046",{"type":15,"content":500},[501],{"type":18,"attrs":502,"content":503},{"textAlign":34},[504],{"text":505,"type":22,"marks":506},"Understanding capital gains tax",[507],{"type":31,"attrs":508},{"href":509,"uuid":510,"anchor":34,"target":35,"linktype":74},"/discover/retirement/how-much-is-capital-gains-tax","8442c69d-4c88-4d2e-8fa4-08275191bab0",{"_uid":512,"link":513,"component":56},"8050ded3-889f-43b0-92b3-30adad9ac076",{"type":15,"content":514},[515],{"type":18,"attrs":516,"content":517},{"textAlign":34},[518],{"text":519,"type":22,"marks":520},"Tax in Washington",[521],{"type":31,"attrs":522},{"href":523,"uuid":524,"anchor":34,"target":35,"linktype":74},"/discover/taxes/washington-tax-guide","2462451b-7f16-4364-8471-f78939478e7e",[526],{"_uid":527,"link":528,"component":56},"b11dcfe9-a823-4859-8965-d32bab7873e9",{"type":15,"content":529},[530],{"type":18,"content":531},[532],{"text":533,"type":22,"marks":534},"Capital Gains Tax Calculator",[535],{"type":31,"attrs":536},{"href":537,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.unbiased.com/discover/taxes/capital-gains-tax-calculator",[539,544,546,548,550,554],{"_uid":540,"href":174,"text":541,"component":542,"openInNewWindow":543},"4654e725-33d3-4fa3-8917-b2a73f05752c"," Retirement","app-link",false,{"_uid":545,"href":295,"text":282,"component":542,"openInNewWindow":543},"3e1f2e86-310c-4ee1-be2b-c9100443d53f",{"_uid":547,"href":394,"text":381,"component":542,"openInNewWindow":543},"fa006314-3e85-43c3-9267-bb87f84a1ebc",{"_uid":549,"href":466,"text":453,"component":542,"openInNewWindow":543},"9d69eda3-6dcc-49fb-a519-f61cb97a40ff",{"_uid":551,"href":552,"text":553,"component":542,"openInNewWindow":543},"ecf272f5-571f-41aa-a069-75c81ec617e8","/discover/insurance/","Insurance",{"_uid":555,"href":556,"text":557,"component":542,"openInNewWindow":558},"0acdc588-18e3-4e41-872b-1d528d985164","/about-us","About us",true,"https://v2.unbiased.com/consumer/login","/pro",[562,575,589,603,617,630],{"_uid":563,"link":564,"component":56},"72cfe613-7b21-4cc0-acbf-66a38dab3eee",{"type":15,"content":565},[566],{"type":18,"content":567},[568],{"text":569,"type":22,"marks":570},"Pricing",[571],{"type":31,"attrs":572},{"href":573,"uuid":34,"anchor":34,"custom":574,"target":35,"linktype":36},"https://www.unbiased.com/pages/pricing",{},{"_uid":576,"link":577,"component":56},"cb14e1ca-f377-41ec-b053-b97ef2aeb42f",{"type":15,"content":578},[579],{"type":18,"content":580},[581],{"text":582,"type":22,"marks":583},"Business Growth",[584],{"type":31,"attrs":585},{"href":586,"uuid":587,"anchor":34,"custom":588,"target":35,"linktype":74},"/pro/discover/business-growth/","022b5ef6-975b-4f56-8d38-66f137e7901f",{},{"_uid":590,"link":591,"component":56},"6cdc93ad-5d74-4c39-9342-0ed49e309979",{"type":15,"content":592},[593],{"type":18,"content":594},[595],{"text":596,"type":22,"marks":597},"Trends & Insight",[598],{"type":31,"attrs":599},{"href":600,"uuid":601,"anchor":34,"custom":602,"target":35,"linktype":74},"/pro/discover/trends-insight/","4b364e23-68e6-4009-a852-83d5e327c796",{},{"_uid":604,"link":605,"component":56},"0404c041-e645-42fe-8932-be896a82902e",{"type":15,"content":606},[607],{"type":18,"content":608},[609],{"text":610,"type":22,"marks":611},"News",[612],{"type":31,"attrs":613},{"href":614,"uuid":615,"anchor":34,"custom":616,"target":35,"linktype":74},"/pro/discover/news/","829a2a75-d3fb-454c-a50c-c7f8212ea16b",{},{"_uid":618,"link":619,"component":56},"7f208f7d-d0f3-417c-8cc8-c135e72a8a74",{"type":15,"content":620},[621],{"type":18,"content":622},[623],{"text":624,"type":22,"marks":625},"Help",[626],{"type":31,"attrs":627},{"href":628,"uuid":34,"anchor":34,"custom":629,"target":35,"linktype":36},"https://www.unbiased.com/pages/pro/faqs",{},{"_uid":631,"link":632,"component":56},"f4ec7388-9b0f-42ef-96b0-38feb0f276e1",{"type":15,"content":633},[634],{"type":18,"content":635},[636],{"text":637,"type":22,"marks":638},"Login",[639],{"type":31,"attrs":640},{"href":641,"uuid":34,"anchor":34,"custom":642,"target":35,"linktype":36},"https://v2.unbiased.com/pro/login",{},[],"Are you an advisor?",[646,650,654,658,662],{"_uid":647,"href":648,"text":649,"component":542,"openInNewWindow":543},"5a4588d0-87e3-4ae5-963f-bd3ca35a1bf7","https://www.unbiased.com/faq","FAQ",{"_uid":651,"href":652,"text":653,"component":542,"openInNewWindow":543},"85a086a2-d420-43a6-a1e6-d8cfcc52a584","/terms-of-use","Terms of Use",{"_uid":655,"href":656,"text":657,"component":542,"openInNewWindow":543},"bd58e670-f5ff-4936-adbe-5aa73c990cdf","/privacy-policy","Privacy Policy",{"_uid":659,"href":660,"text":661,"component":542,"openInNewWindow":558},"eafa26a7-3b78-4f00-954e-f1ebc3115542","https://reports.adviserinfo.sec.gov/reports/ADV/323880/PDF/323880.pdf","Unbiased ADV",{"_uid":663,"href":664,"text":665,"component":542,"openInNewWindow":558},"2cbcf581-9d60-443b-9e63-9e95be09afad","https://reports.adviserinfo.sec.gov/crs/crs_323880.pdf","Unbiased CRS","https://www.unbiased.co.uk","Unbiased Inc. is a registered investment advisor with the US Securities and Exchange Commission (“SEC”). Registration as an investment advisor does not imply a certain level of skill or training.",[669,673,677,681,685],{"_uid":670,"href":671,"text":672,"component":542,"openInNewWindow":543},"2ca50944-e323-4559-9c46-b77eb4bce616","//www.instagram.com/unbiased.us/","Instagram",{"_uid":674,"href":675,"text":676,"component":542,"openInNewWindow":543},"278b2358-e4c6-491b-b011-425b4bd0b709","//www.youtube.com/@Unbiased","YouTube",{"_uid":678,"href":679,"text":680,"component":542,"openInNewWindow":543},"dccca61f-0426-4778-a54b-1944ab1ae71f","//twitter.com/Unbiased_us","Twitter",{"_uid":682,"href":683,"text":684,"component":542,"openInNewWindow":543},"6e6372d5-1f37-43fb-a849-8868877530c8","//www.facebook.com/unbiasedus","Facebook",{"_uid":686,"href":687,"text":688,"component":542,"openInNewWindow":558},"c3a97f2f-ee67-4516-9529-6aff38733af2","https://www.linkedin.com/showcase/unbiased.com/","LinkedIn","Go to UK site","It looks like you’re visiting from the UK. Would you like to visit our UK site?",[],"Stay on US site","You’re currently on our US site",[695],{"_uid":696,"heading":697,"cta_link":55,"cta_text":698,"component":699,"description":700,"pro_heading":701,"pro_cta_link":33,"pro_cta_text":702,"pro_description":703},"7404adca-dc5b-443e-a1b4-4c8bed2673b3","Financial advice","Match with an advisor","sidebar_cta","We’ll find a professional perfectly matched to your needs. Getting started is easy, fast and free.","Access high-quality leads in minutes with UnbiasedPro","Get perfect clients now.","If you're looking for the perfect clients we'll deliver them straight to your inbox and give you the tools to manage them throughout the sales process.",[705],{"_uid":706,"title":707,"CTAText":708,"subtitle":709,"component":710,"errorTitle":711,"description":712,"successTitle":713,"errorSubtitle":714,"successSubtitle":715,"consentCheckboxLabelText":716,"errorMesageFirstNameError":717,"consentCheckboxLabelLinkURL":656,"consentCheckboxLabelLinkText":718,"errorMessageRequiredFieldEmail":719,"errorMessageIncorrectEmailFormat":720,"errorMessageRequiredFieldConsent":721,"errorMessageRequiredFieldInterest":722,"errorMessageRequiredFieldFirstName":723},"8ca4fd8f-da99-489f-aa1b-fcfabdd8b7e3","Get the latest news and tips","Sign up for email updates","Sign up for news that may impact your finances","sidebar-email-signup","Sorry, there was a technical problem","Receive the latest news, tips and guides to help you manage your finances","Thanks for signing up!","Please try again later, or email contact@unbiased.com","You should receive an email confirmation shortly.","I consent to Unbiased storing my data in accordance with their","Too many characters","privacy policy","Your email address is required","Your email address contains errors","Your consent is required","Your interest is required","Your first name is required","config",-60,[],0,"c7c18fda-2d94-4a2f-9d60-e1fee25d980a","2022-11-21T10:48:58.546Z","default",[],{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":734},256,"\u003Cpath fill=\"currentColor\" d=\"m216.49 104.49l-80 80a12 12 0 0 1-17 0l-80-80a12 12 0 0 1 17-17L128 159l71.51-71.52a12 12 0 0 1 17 17Z\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":736},"\u003Cpath fill=\"currentColor\" d=\"m229.66 218.34l-50.07-50.06a88.11 88.11 0 1 0-11.31 11.31l50.06 50.07a8 8 0 0 0 11.32-11.32M40 112a72 72 0 1 1 72 72a72.08 72.08 0 0 1-72-72\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":738},"\u003Cpath fill=\"currentColor\" d=\"M224 128a8 8 0 0 1-8 8H40a8 8 0 0 1 0-16h176a8 8 0 0 1 8 8M40 72h176a8 8 0 0 0 0-16H40a8 8 0 0 0 0 16m176 112H40a8 8 0 0 0 0 16h176a8 8 0 0 0 0-16\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":740},"\u003Cpath fill=\"currentColor\" d=\"M128 80a48 48 0 1 0 48 48a48.05 48.05 0 0 0-48-48m0 80a32 32 0 1 1 32-32a32 32 0 0 1-32 32m48-136H80a56.06 56.06 0 0 0-56 56v96a56.06 56.06 0 0 0 56 56h96a56.06 56.06 0 0 0 56-56V80a56.06 56.06 0 0 0-56-56m40 152a40 40 0 0 1-40 40H80a40 40 0 0 1-40-40V80a40 40 0 0 1 40-40h96a40 40 0 0 1 40 40ZM192 76a12 12 0 1 1-12-12a12 12 0 0 1 12 12\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":742},"\u003Cpath fill=\"currentColor\" d=\"m164.44 121.34l-48-32A8 8 0 0 0 104 96v64a8 8 0 0 0 12.44 6.66l48-32a8 8 0 0 0 0-13.32M120 145.05V111l25.58 17Zm114.33-75.53a24 24 0 0 0-14.49-16.4C185.56 39.88 131 40 128 40s-57.56-.12-91.84 13.12a24 24 0 0 0-14.49 16.4C19.08 79.5 16 97.74 16 128s3.08 48.5 5.67 58.48a24 24 0 0 0 14.49 16.41C69 215.56 120.4 216 127.34 216h1.32c6.94 0 58.37-.44 91.18-13.11a24 24 0 0 0 14.49-16.41c2.59-10 5.67-28.22 5.67-58.48s-3.08-48.5-5.67-58.48m-15.49 113a8 8 0 0 1-4.77 5.49c-31.65 12.22-85.48 12-86 12H128c-.54 0-54.33.2-86-12a8 8 0 0 1-4.77-5.49C34.8 173.39 32 156.57 32 128s2.8-45.39 5.16-54.47A8 8 0 0 1 41.93 68c30.52-11.79 81.66-12 85.85-12h.27c.54 0 54.38-.18 86 12a8 8 0 0 1 4.77 5.49C221.2 82.61 224 99.43 224 128s-2.8 45.39-5.16 54.47Z\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":744},"\u003Cpath fill=\"currentColor\" d=\"m214.75 211.71l-62.6-98.38l61.77-67.95a8 8 0 0 0-11.84-10.76l-58.84 64.72l-40.49-63.63A8 8 0 0 0 96 32H48a8 8 0 0 0-6.75 12.3l62.6 98.37l-61.77 68a8 8 0 1 0 11.84 10.76l58.84-64.72l40.49 63.63A8 8 0 0 0 160 224h48a8 8 0 0 0 6.75-12.29M164.39 208L62.57 48h29l101.86 160Z\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":746},"\u003Cpath fill=\"currentColor\" d=\"M128 24a104 104 0 1 0 104 104A104.11 104.11 0 0 0 128 24m8 191.63V152h24a8 8 0 0 0 0-16h-24v-24a16 16 0 0 1 16-16h16a8 8 0 0 0 0-16h-16a32 32 0 0 0-32 32v24H96a8 8 0 0 0 0 16h24v63.63a88 88 0 1 1 16 0\"/>",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":748},"\u003Cpath fill=\"currentColor\" d=\"M216 24H40a16 16 0 0 0-16 16v176a16 16 0 0 0 16 16h176a16 16 0 0 0 16-16V40a16 16 0 0 0-16-16m0 192H40V40h176zM96 112v64a8 8 0 0 1-16 0v-64a8 8 0 0 1 16 0m88 28v36a8 8 0 0 1-16 0v-36a20 20 0 0 0-40 0v36a8 8 0 0 1-16 0v-64a8 8 0 0 1 15.79-1.78A36 36 0 0 1 184 140m-84-56a12 12 0 1 1-12-12a12 12 0 0 1 12 12\"/>",{"name":750,"created_at":751,"published_at":752,"updated_at":753,"id":754,"uuid":755,"content":756,"slug":1388,"full_slug":1389,"sort_by_date":34,"position":1390,"tag_list":1391,"is_startpage":543,"parent_id":1392,"meta_data":34,"group_id":1393,"first_published_at":752,"release_id":34,"lang":730,"path":34,"alternates":1394,"default_full_slug":34,"translated_slugs":34},"Self-directed 401(k)","2024-06-13T15:16:20.865Z","2026-02-02T22:37:50.865Z","2026-02-02T22:37:50.882Z",510866028,"487e33ee-1caa-496d-8134-62bdb1008879",{"_uid":757,"body":758,"hero":1312,"author":1333,"series":12,"sidebar":1357,"hide_cta":543,"metatags":1379,"reviewer":12,"component":1383,"updatedAt":12,"series_order":12,"bottom_banner":1384,"fullWidthMode":543,"subcategories":1385,"hideEmbeddedMF":543,"hide_pro_banner":543,"intro_paragraph":1386,"series_dropdown":543,"intro_subheading":12,"series_navigation":558,"table_of_contents":558,"outgrow_calculator":1387,"series_dropdown_label":12,"hide_email_signup_widget":543,"show_compound_calculator":543,"show_roth_ira_calculator":543,"show_footer_sticky_banner":543,"show_retirement_calculator":543,"show_capital_gains_calculator":543},"e512927f-d907-469e-9be9-c2cd2f68a15f",[759],{"_uid":760,"data":761,"component":1311},"d0841777-6b87-486b-b9d7-3207bcd7a0ef",{"type":15,"content":762},[763,779,835,847,854,875,882,894,901,908,915,927,934,941,953,960,967,974,995,1002,1014,1021,1033,1062,1082,1094,1132,1144,1165,1172,1179,1191,1198,1205,1212,1219,1226,1233,1245,1252,1259,1266,1278,1285,1292],{"type":764,"attrs":765,"content":767},"heading",{"level":766},2,[768,773],{"text":769,"type":22,"marks":770},"Summary",[771],{"type":129,"attrs":772},{"color":12},{"text":774,"type":22,"marks":775}," ",[776],{"type":129,"attrs":777},{"color":778},"rgb(33, 35, 35)",{"type":780,"content":781},"bullet_list",[782,792,801,810],{"type":783,"content":784},"list_item",[785],{"type":18,"content":786},[787],{"text":788,"type":22,"marks":789},"Self-directed 401(k) allows you to decide how to invest your pre-tax retirement contributions. ",[790],{"type":129,"attrs":791},{"color":12},{"type":783,"content":793},[794],{"type":18,"content":795},[796],{"text":797,"type":22,"marks":798},"A self-directed 401(k) offers broader investment options compared to traditional 401(k) plans. ",[799],{"type":129,"attrs":800},{"color":12},{"type":783,"content":802},[803],{"type":18,"content":804},[805],{"text":806,"type":22,"marks":807},"Setting up a self-directed 401(k) involves selecting a custodian and adhering to IRS guidelines. ",[808],{"type":129,"attrs":809},{"color":12},{"type":783,"content":811},[812],{"type":18,"content":813},[814,819,830],{"text":815,"type":22,"marks":816},"Unbiased will connect you with a financial advisor for expert ",[817],{"type":129,"attrs":818},{"color":12},{"text":820,"type":22,"marks":821},"financial advice",[822,826,828],{"type":31,"attrs":823},{"href":824,"uuid":34,"anchor":34,"target":825,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/advice-areas/?_gl=1%2aq6is0t%2a_ga%2aMjEwOTg3MTczOC4xNjk3NDQ0NjE5%2a_ga_2L93GWDPD4%2aMTcwNjU0MTg4Mi41MS4xLjE3MDY1NDE4ODQuNTguMC4w","_blank",{"type":129,"attrs":827},{"color":12},{"type":829},"underline",{"text":831,"type":22,"marks":832}," on optimizing your retirement plan. ",[833],{"type":129,"attrs":834},{"color":12},{"type":764,"attrs":836,"content":837},{"level":766},[838,843],{"text":839,"type":22,"marks":840},"What is a self-directed 401(k) plan?",[841],{"type":129,"attrs":842},{"color":12},{"text":774,"type":22,"marks":844},[845],{"type":129,"attrs":846},{"color":778},{"type":18,"content":848},[849],{"text":850,"type":22,"marks":851},"A self-directed 401(k) plan is a retirement savings plan that gives investors greater autonomy and flexibility in managing their retirement funds.  ",[852],{"type":129,"attrs":853},{"color":12},{"type":18,"content":855},[856,861,870],{"text":857,"type":22,"marks":858},"Unlike ",[859],{"type":129,"attrs":860},{"color":12},{"text":862,"type":22,"marks":863},"traditional 401(k) plans",[864,867,869],{"type":31,"attrs":865},{"href":866,"uuid":34,"anchor":34,"target":825,"linktype":36},"https://www.unbiased.com/discover/investing/what-is-a-401k-and-how-does-it-work",{"type":129,"attrs":868},{"color":12},{"type":829},{"text":871,"type":22,"marks":872},", which typically offer a limited selection of investment options chosen by the plan administrator, self-directed 401(k)s allow individuals to choose from a much broader range of investment opportunities.  ",[873],{"type":129,"attrs":874},{"color":12},{"type":18,"content":876},[877],{"text":878,"type":22,"marks":879},"The appeal of self-directed 401(k)s lies in the control they offer investors over their retirement savings. By knowing how to create a self-directed 401 (k), investors can select and manage their own investments and tailor their portfolios to better align with their financial goals, risk tolerance, and personal preferences.  ",[880],{"type":129,"attrs":881},{"color":12},{"type":764,"attrs":883,"content":884},{"level":766},[885,890],{"text":886,"type":22,"marks":887},"How does a self-directed 401(k) work?",[888],{"type":129,"attrs":889},{"color":12},{"text":774,"type":22,"marks":891},[892],{"type":129,"attrs":893},{"color":778},{"type":18,"content":895},[896],{"text":897,"type":22,"marks":898},"A self-directed 401(k) operates similarly to a traditional 401(k) in terms of contributions and tax benefits but with added flexibility in investment choices. The structure involves the participant making pre-tax contributions to the account, which are then invested according to their preferences.  ",[899],{"type":129,"attrs":900},{"color":12},{"type":18,"content":902},[903],{"text":904,"type":22,"marks":905},"Unlike traditional plans, where investments are typically limited to a predetermined selection of mutual funds or stocks, self-directed 401(k)s allow for a broader range of investment options. A custodian plays a crucial role in ensuring compliance with IRS regulations and overseeing the account's administrative functions.  ",[906],{"type":129,"attrs":907},{"color":12},{"type":18,"content":909},[910],{"text":911,"type":22,"marks":912},"If you know how to self-direct your 401k, you can diversify your portfolio beyond traditional assets with options including real estate, precious metals, private placements, tax liens, energy investments, and even foreign currency.  ",[913],{"type":129,"attrs":914},{"color":12},{"type":764,"attrs":916,"content":917},{"level":766},[918,923],{"text":919,"type":22,"marks":920},"Who is eligible to open a self-directed 401(k)?",[921],{"type":129,"attrs":922},{"color":12},{"text":774,"type":22,"marks":924},[925],{"type":129,"attrs":926},{"color":778},{"type":18,"content":928},[929],{"text":930,"type":22,"marks":931},"Eligibility to open a self-directed 401(k) is open to a wide range of individuals, including small business owners, sole proprietors, and employees of companies offering self-directed options.  ",[932],{"type":129,"attrs":933},{"color":12},{"type":18,"content":935},[936],{"text":937,"type":22,"marks":938},"As long as you have earned taxable compensation during the current financial year, you can learn how to set up a self-directed 401k and take advantage of this investment opportunity, regardless of your occupation or employment status. ",[939],{"type":129,"attrs":940},{"color":12},{"type":764,"attrs":942,"content":943},{"level":766},[944,949],{"text":945,"type":22,"marks":946},"How to set up a self-directed 401(k)?",[947],{"type":129,"attrs":948},{"color":12},{"text":774,"type":22,"marks":950},[951],{"type":129,"attrs":952},{"color":778},{"type":18,"content":954},[955],{"text":956,"type":22,"marks":957},"Knowing how to create a self-directed 401(k) involves several key steps.  ",[958],{"type":129,"attrs":959},{"color":12},{"type":18,"content":961},[962],{"text":963,"type":22,"marks":964},"First, select a reputable custodian experienced in managing self-directed retirement accounts.  ",[965],{"type":129,"attrs":966},{"color":12},{"type":18,"content":968},[969],{"text":970,"type":22,"marks":971},"Next, complete the necessary paperwork to open the account, providing details such as personal information, employment status, and contribution preferences.  ",[972],{"type":129,"attrs":973},{"color":12},{"type":18,"content":975},[976,981,990],{"text":977,"type":22,"marks":978},"It's crucial to adhere to ",[979],{"type":129,"attrs":980},{"color":12},{"text":982,"type":22,"marks":983},"IRS guidelines",[984,987,989],{"type":31,"attrs":985},{"href":986,"uuid":34,"anchor":34,"target":825,"linktype":36},"https://www.irs.gov/retirement-plans/one-participant-401k-plans",{"type":129,"attrs":988},{"color":12},{"type":829},{"text":991,"type":22,"marks":992}," throughout the setup process to ensure compliance and maintain the tax-advantaged status of the account.  ",[993],{"type":129,"attrs":994},{"color":12},{"type":18,"content":996},[997],{"text":998,"type":22,"marks":999},"Once the account is established, investors can begin making contributions and selecting investments according to their preferences, enjoying the flexibility and control offered by self-directed 401(k) plans.  ",[1000],{"type":129,"attrs":1001},{"color":12},{"type":764,"attrs":1003,"content":1004},{"level":766},[1005,1010],{"text":1006,"type":22,"marks":1007},"What are the pros and cons of a self-directed 401(k) plan?",[1008],{"type":129,"attrs":1009},{"color":12},{"text":774,"type":22,"marks":1011},[1012],{"type":129,"attrs":1013},{"color":778},{"type":18,"content":1015},[1016],{"text":1017,"type":22,"marks":1018},"When considering a self-directed 401(k) plan, it's essential to weigh both its advantages and disadvantages: ",[1019],{"type":129,"attrs":1020},{"color":12},{"type":18,"content":1022},[1023,1029],{"text":1024,"type":22,"marks":1025},"Pros",[1026,1027],{"type":38},{"type":129,"attrs":1028},{"color":12},{"text":774,"type":22,"marks":1030},[1031],{"type":129,"attrs":1032},{"color":12},{"type":780,"content":1034},[1035,1044,1053],{"type":783,"content":1036},[1037],{"type":18,"content":1038},[1039],{"text":1040,"type":22,"marks":1041},"Greater control ",[1042],{"type":129,"attrs":1043},{"color":12},{"type":783,"content":1045},[1046],{"type":18,"content":1047},[1048],{"text":1049,"type":22,"marks":1050},"Diversification ",[1051],{"type":129,"attrs":1052},{"color":12},{"type":783,"content":1054},[1055],{"type":18,"content":1056},[1057],{"text":1058,"type":22,"marks":1059},"Flexibility ",[1060],{"type":129,"attrs":1061},{"color":12},{"type":780,"content":1063},[1064,1073],{"type":783,"content":1065},[1066],{"type":18,"content":1067},[1068],{"text":1069,"type":22,"marks":1070},"Tax advantages ",[1071],{"type":129,"attrs":1072},{"color":12},{"type":783,"content":1074},[1075],{"type":18,"content":1076},[1077],{"text":1078,"type":22,"marks":1079},"Potential for higher returns ",[1080],{"type":129,"attrs":1081},{"color":12},{"type":18,"content":1083},[1084,1090],{"text":1085,"type":22,"marks":1086},"Cons",[1087,1088],{"type":38},{"type":129,"attrs":1089},{"color":12},{"text":774,"type":22,"marks":1091},[1092],{"type":129,"attrs":1093},{"color":12},{"type":780,"content":1095},[1096,1105,1114,1123],{"type":783,"content":1097},[1098],{"type":18,"content":1099},[1100],{"text":1101,"type":22,"marks":1102},"Complexity ",[1103],{"type":129,"attrs":1104},{"color":12},{"type":783,"content":1106},[1107],{"type":18,"content":1108},[1109],{"text":1110,"type":22,"marks":1111},"Higher fees ",[1112],{"type":129,"attrs":1113},{"color":12},{"type":783,"content":1115},[1116],{"type":18,"content":1117},[1118],{"text":1119,"type":22,"marks":1120},"Risk exposure ",[1121],{"type":129,"attrs":1122},{"color":12},{"type":783,"content":1124},[1125],{"type":18,"content":1126},[1127],{"text":1128,"type":22,"marks":1129},"Time commitment ",[1130],{"type":129,"attrs":1131},{"color":12},{"type":764,"attrs":1133,"content":1134},{"level":766},[1135,1140],{"text":1136,"type":22,"marks":1137},"What are the self-directed 401(k) rollovers and withdrawal rules?",[1138],{"type":129,"attrs":1139},{"color":12},{"text":774,"type":22,"marks":1141},[1142],{"type":129,"attrs":1143},{"color":778},{"type":18,"content":1145},[1146,1151,1160],{"text":1147,"type":22,"marks":1148},"Self-directed 401(k) rollover and ",[1149],{"type":129,"attrs":1150},{"color":12},{"text":1152,"type":22,"marks":1153},"withdrawal rules",[1154,1157,1159],{"type":31,"attrs":1155},{"href":1156,"uuid":34,"anchor":34,"target":825,"linktype":36},"https://www.investopedia.com/articles/personal-finance/111615/how-401k-works-after-retirement.asp",{"type":129,"attrs":1158},{"color":12},{"type":829},{"text":1161,"type":22,"marks":1162}," largely mirror those of traditional 401(k) plans. Early withdrawals before age 59 1/2 typically incur a 10% penalty unless specific exemptions apply.  ",[1163],{"type":129,"attrs":1164},{"color":12},{"type":18,"content":1166},[1167],{"text":1168,"type":22,"marks":1169},"Rollovers to IRAs must be completed within 60 days to avoid taxes. This emphasizes the importance of timely and strategic planning.  ",[1170],{"type":129,"attrs":1171},{"color":12},{"type":18,"content":1173},[1174],{"text":1175,"type":22,"marks":1176},"Understanding these rules is crucial to avoiding penalties and maintaining tax-advantaged status. ",[1177],{"type":129,"attrs":1178},{"color":12},{"type":764,"attrs":1180,"content":1181},{"level":766},[1182,1187],{"text":1183,"type":22,"marks":1184},"How do you manage your self-directed 401(k)?",[1185],{"type":129,"attrs":1186},{"color":12},{"text":774,"type":22,"marks":1188},[1189],{"type":129,"attrs":1190},{"color":778},{"type":18,"content":1192},[1193],{"text":1194,"type":22,"marks":1195},"Understanding how to self-direct and manage your 401(k) requires a strategic approach and ongoing diligence.  ",[1196],{"type":129,"attrs":1197},{"color":12},{"type":18,"content":1199},[1200],{"text":1201,"type":22,"marks":1202},"Firstly, conduct thorough due diligence before making any investment decisions, ensuring a clear understanding of potential risks and rewards.  ",[1203],{"type":129,"attrs":1204},{"color":12},{"type":18,"content":1206},[1207],{"text":1208,"type":22,"marks":1209},"Implement diversification strategies to spread risk across various asset classes, reducing vulnerability to market fluctuations.  ",[1210],{"type":129,"attrs":1211},{"color":12},{"type":18,"content":1213},[1214],{"text":1215,"type":22,"marks":1216},"Regular performance reviews are essential to assess the portfolio's progress and make adjustments as needed to stay aligned with long-term goals.  ",[1217],{"type":129,"attrs":1218},{"color":12},{"type":18,"content":1220},[1221],{"text":1222,"type":22,"marks":1223},"Seeking professional advice from a financial advisor experienced in self-directed investing can provide valuable insights and guidance tailored to individual circumstances.  ",[1224],{"type":129,"attrs":1225},{"color":12},{"type":18,"content":1227},[1228],{"text":1229,"type":22,"marks":1230},"Ongoing education is also key to staying informed about market trends, regulatory changes, and new investment opportunities. ",[1231],{"type":129,"attrs":1232},{"color":12},{"type":764,"attrs":1234,"content":1235},{"level":766},[1236,1241],{"text":1237,"type":22,"marks":1238},"Solo 401(k) vs. self-directed 401(k): what is the difference?",[1239],{"type":129,"attrs":1240},{"color":12},{"text":774,"type":22,"marks":1242},[1243],{"type":129,"attrs":1244},{"color":778},{"type":18,"content":1246},[1247],{"text":1248,"type":22,"marks":1249},"Asking how to set up a self-directed solo 401(k) is a misnomer because there are distinct types of accounts, differing mainly in their eligibility, investment options, and administrative complexity.  ",[1250],{"type":129,"attrs":1251},{"color":12},{"type":18,"content":1253},[1254],{"text":1255,"type":22,"marks":1256},"A self-directed 401(k) is available to individuals through an employer or as an independent plan. In contrast, a solo 401(k) is designed specifically for self-employed individuals or small business owners without employees, except for a spouse. ",[1257],{"type":129,"attrs":1258},{"color":12},{"type":18,"content":1260},[1261],{"text":1262,"type":22,"marks":1263},"Both self-directed 401(k) and solo 401(k)s allow for a wide range of investments, including real estate, precious metals, and private placements, but a solo 401(k) can also be self-directed to include alternative assets. A solo 401(k) is also generally simpler to manage administratively compared to a self-directed 401(k), which requires more involvement from the account holder. ",[1264],{"type":129,"attrs":1265},{"color":12},{"type":764,"attrs":1267,"content":1268},{"level":766},[1269,1274],{"text":1270,"type":22,"marks":1271},"Get expert financial advice",[1272],{"type":129,"attrs":1273},{"color":12},{"text":774,"type":22,"marks":1275},[1276],{"type":129,"attrs":1277},{"color":778},{"type":18,"content":1279},[1280],{"text":1281,"type":22,"marks":1282},"Choosing the right retirement plan is crucial for securing your financial future. Knowing how to create a self-directed 401k offers unparalleled control and investment options for those seeking a more hands-on approach to their retirement savings.  ",[1283],{"type":129,"attrs":1284},{"color":12},{"type":18,"content":1286},[1287],{"text":1288,"type":22,"marks":1289},"Whether you are an experienced investor or a self-employed individual looking to maximize your contributions, understanding how to self-direct your 401k will help you make an informed decision that aligns with your financial goals. ",[1290],{"type":129,"attrs":1291},{"color":12},{"type":18,"content":1293},[1294,1299,1306],{"text":1295,"type":22,"marks":1296},"Let Unbiased connect you with a financial advisor whose expert ",[1297],{"type":129,"attrs":1298},{"color":12},{"text":820,"type":22,"marks":1300},[1301,1303,1305],{"type":31,"attrs":1302},{"href":824,"uuid":34,"anchor":34,"target":825,"linktype":36},{"type":129,"attrs":1304},{"color":12},{"type":829},{"text":1307,"type":22,"marks":1308}," will ensure your retirement planning is on track and aligned with your long-term financial goals. ",[1309],{"type":129,"attrs":1310},{"color":12},"article-rich-text",[1313],{"_uid":1314,"image":1315,"title":1318,"component":1332,"breadcrumbs":558},"9980c456-7d0c-463e-9c16-61120b37e3d0",{"alt":12,"name":12,"title":12,"filename":1316,"copyright":12,"fieldtype":1317},"https://a.storyblok.com/f/185166/4271x2851/bf724583e0/self-directed-401k.webp","asset",{"type":15,"content":1319},[1320],{"type":18,"content":1321},[1322,1324,1330],{"text":1323,"type":22},"What is a ",{"text":1325,"type":22,"marks":1326},"self-directed 401(k) plan",[1327],{"type":25,"attrs":1328},{"class":1329},"primary-gradient",{"text":1331,"type":22},"?","app-hero",{"name":1334,"created_at":1335,"published_at":1336,"updated_at":1337,"id":1338,"uuid":1339,"content":1340,"slug":1349,"full_slug":1350,"sort_by_date":34,"position":1351,"tag_list":1352,"is_startpage":543,"parent_id":1353,"meta_data":34,"group_id":1354,"first_published_at":1355,"release_id":34,"lang":730,"path":34,"alternates":1356,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Unbiased team","2024-01-18T11:49:29.332Z","2024-01-24T16:17:31.264Z","2024-01-24T16:17:31.285Z",429182198,"a38620a4-ad81-47d5-b2fe-9fe933abd010",{"job":1341,"_uid":1342,"name":1334,"image":1343,"component":1347,"description":1348},"Writers","a6e3129c-eeee-4438-8204-797883981521",{"id":1344,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1345,"copyright":12,"fieldtype":1317,"meta_data":1346,"is_private":12,"is_external_url":543},13850198,"https://a.storyblok.com/f/185166/400x400/232c6cb764/unbiased-team.jpg",{},"article-author","Our team of writers, who have decades of experience writing about personal finance, including investing and retirement, are here to help you find out what you must know about life’s biggest financial decisions.","unbiased-team","authors/unbiased-team",-10,[],224651374,"170282a1-0fe6-4cf3-ab19-04639ed3474c","2023-04-03T07:50:42.397Z",[],[1358],{"_uid":1359,"body":1360,"title":1377,"component":1378},"8fbd0bf2-7aa1-48cb-bacc-f8f9fa3f36ef",[1361,1365,1369,1373],{"_uid":1362,"href":1363,"text":1364,"component":542,"openInNewWindow":558},"9b743edb-88a6-4823-989f-2aa08cf397af","https://www.unbiased.com/discover/retirement/401k-statistics","401k statistics",{"_uid":1366,"href":1367,"text":1368,"component":542,"openInNewWindow":558},"5dffa5dc-2401-4677-847a-b4e094553098","https://www.unbiased.com/discover/retirement/401k-investments","401k investments",{"_uid":1370,"href":1371,"text":1372,"component":542,"openInNewWindow":558},"b3eb82e3-c745-41bd-a2f1-847fc6a7c8aa","https://www.unbiased.com/discover/retirement/401k-rollover","401(k) rollover",{"_uid":1374,"href":1375,"text":1376,"component":542,"openInNewWindow":558},"e9e51223-904a-46b6-86dc-e80fab94f1c1","https://www.unbiased.com/discover/retirement/convert-401k-to-roth-ira","Convert 401k to Roth IRA","Related articles","app-links-list",{"title":1380,"plugin":1381,"og_image":12,"og_title":12,"description":1382,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"What is a Self-Directed 401(k)","seo_metatags","Dive into the benefits and challenges of a self-directed 401(k), including investment options and strategies for retirement planning. ","app-article",[],[],"Discover more about a self-directed 401(k) plan, and learn how to set up and manage this plan for optimal retirement savings. ",[],"self-directed-401k","discover/retirement/self-directed-401k",-540,[],365223437,"7e43fea3-f066-4d93-967c-2a082e4680e5",[],{"left":727,"top":727,"width":1396,"height":1396,"rotate":727,"vFlip":543,"hFlip":543,"body":1397},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1399,1402,1403],{"title":1400,"exact":558,"href":1401},"Home","https://www.unbiased.com",{"title":161,"exact":558,"to":174,"disabled":543},{"title":750,"exact":558,"to":1404,"disabled":558},"/discover/retirement/self-directed-401k",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1406},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1781084694880]