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Owners 401(k) plan

Good news for one-person firms: You can now contribute more pre-tax dollars for retirement than ever before.

The Owners 401(k) plan, designed specifically for one-person businesses, allows owners to:

    • Generate tax deductions that are greater than traditional business retirement plans, such as profit-sharing plans, money purchase plans, SEP plans, and SIMPLE plans
    • Consolidate retirement assets from IRAs, 401(k), 403(b), or other qualified plans into one convenient account
    • Contribute even more if 50 years of age or older

The Owners 401(k) plan factors in economic highs and lows with options to not contribute in a given year and catch-up provisions for participants age 50 and older.


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(800) 523 1125


A.M. Best has affirmed the Financial Strength Rating (FSR) of A (Excellent) for Equitable Financial

The Members Retirement Program is funded by a group variable annuity contract issued and distributed by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY). A group variable annuity is a long-term financial product designed for retirement purposes. In essence, a group variable annuity is a contractual agreement in which payments(s) are made to an insurance company on behalf of retirement plan participants, which agrees to pay out an income or a lump sum amount at a later date to those participants. There are contract limitations and fees and charges associated with group variable annuities, which include, but are not limited to, administrative fees and charges for investment management. Contact a Retirement Program Specialist for costs and complete details. 

Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a variable annuity. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before you invest or send money.

Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (NY, NY); Equitable Financial Life Insurance Company of America, an AZ stock company with main administrative headquarters in Jersey City, NJ; and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRASIPC) (Equitable Financial Advisors in MI & TN). The subsidiaries of Equitable Holdings, Inc. and their employees and associates do not provide tax or legal advice or services.

GE-3498581 (3/21) (Exp. 01/23)