The simple, affordable way to save for retirement

Introducing a 401(k) designed exclusively for the unique needs of independent contractors.

Working as an independent contractor comes with plenty of benefits, but a quality way to save for retirement has never been one of them - until now. Access Retirement Solutions has developed an innovative new retirement savings plan specifically for independent contractors, freelancers and gig workers that offers simplicity, flexibility and transparency for the affordable monthly price of $15. Through this unique structure, you can take advantage of both employee and employer contributions and start making big progress on your retirement savings goals today.

What are you looking to accomplish today?

  • Enroll in the plan

    Provide some basic personal and business info and have a 401(k) plan in minutes.

  • Make a contribution

    Make a contribution, add/update payment accounts, or view plan documents.

  • Manage investments

    Review or change your investments, update contact info, add/change beneficiaries.

There’s a smarter way to 401(k)

  • Higher contribution limits than an IRA - up to $69,000 in 2024

  • Access to a best-in-class investment lineup

  • Contribute how much and how often you decide

  • Fast, hassle-free online enrollment

    All for a subscription fee of just $15/month

  • Simplicity

    With Access, you have a 401(k) that’s designed with your busy schedule in mind - skip the stacks of paperwork, annual filings, and headaches and stay focused on your savings goals.

  • Flexibility

    You’ll have access to a variety of best-in-class investment options, including industry-leading target date funds and the freedom to contribute when it makes sense for you.

  • Transparency

    In some 401(k) plans, figuring out what you’re paying can be harder than mastering the markets. With Access, you’ll have transparent pricing with no surprises or hidden fees.

Start saving for your future today!

With our secure online enrollment process, you can start contributing to your future in a matter of minutes - just answer a few questions to see which plan you’re eligible for, provide some information and then e-sign your plan documents - it really is that simple.


What is a PEP?

The Access Solo PEP leverages a new retirement plan structure called a pooled employer plan, or PEP for short. PEPs allow unrelated entities to join the same retirement plan, creating the economies of scale that are typically enjoyed by much larger employers. This gives participants access to a best-in-class investment lineup, administrative services as well as independent fiduciaries to oversee the plan, all for an affordable monthly price.

Want to learn more about the Access Solo PEP? The Access team can walk you through the program and help you determine whether it’s a fit for you - click here to book an introductory call.