A smarter plan for the business you've built.

For owner-only businesses that want maximum contribution flexibility and a serious tax-reduction strategy — with an advisor who understands the tax picture, not just the investment lineup.

Owner-only business Scroll

Maximum contribution flexibility.

A Solo 401(k) is built for sole proprietors, single-member LLCs, and owner-only partnerships. Because you contribute as both employer and employee, you can shelter far more of your income than most people realize — all tax-deferred.

For high-income owners, we pair your Solo 401(k) with a Cash Balance plan to accelerate tax-deferred savings well beyond standard limits — then model your contribution ceiling by age and income so nothing is left on the table.

01 | Who it's for

Built for owner-only businesses.

Sole proprietors

Self-employed owners with no full-time employees other than a spouse.

Single-member LLCs

One-owner businesses that want to shelter more income, tax-deferred.

Owner-only partnerships

Partnerships with no common-law employees beyond the owners.

High-income self-employed

Consultants, professionals, and founders looking well past standard limits.

02 | What's included

Everything the plan needs, handled.

Solo 401(k) plan documents Drafted and maintained through EGPS.

Custody through Altruist Modern, low-cost custody for your plan assets.

Cash Balance coordination We coordinate a paired Cash Balance plan with EGPS when it fits.

Contribution modeling Limits modeled by age and income to maximize what you can defer.

Annual planning & filings Yearly contribution planning and IRS filing support.

Solo 401(k) + Cash Balance

Stack a Cash Balance plan for serious tax reduction.

For high-income owners, layering a defined-benefit Cash Balance plan on top of your Solo 401(k) accelerates tax-deferred savings well beyond standard limits. We model the ceiling by age and income, then coordinate both plans through EGPS.

401(k) + CB Two plans working together for one owner.

By age & income Contribution limits modeled to your profile.

Beyond limits Defer well past standard 401(k) caps.

Coordinated Design and filings run through EGPS.

03 | How it works

Straightforward from start to finish.

We assess your situationA conversation about your business and what you need — then we match you to the right plan design.

We set it upWe handle plan documents and platform setup, coordinating EGPS and Altruist end to end.

We run itOngoing advisory, compliance support, investment monitoring, and plan reviews.

You focus on your businessA well-run plan shouldn’t demand your time — that’s the point.

04 | Why us

What makes us different.

Specialist, not generalist

Navigate 401K does one thing — 401(k) advisory — for business owners and the self-employed.

The right partners

EGPS for plan documents and Cash Balance design; Altruist for modern, low-cost custody.

Straightforward pricing

Advisory fees standardized across plan types and communicated up front.

Part of something bigger

As you grow, add participant wealth (TrailGuide), executive benefits, and more from the same team.

05 | FAQ

Solo 401(k) questions, answered.

Ready to set up your plan?

Running your business solo shouldn't mean saving like it. Let's model what a Solo 401(k) — and a paired Cash Balance plan — could do for your tax picture.