12/07/2025
🚨 Sole Proprietors & 1099 Earners — If you made “too much” this year, or You are going to pay "too much" for 2025, this is for you!
Every December I watch business owners leave $5,000… $10,000… even $20,000+ on the table in unnecessary taxes simply because they didn’t know one simple rule:
👉 You must establish your Solo 401(k) BEFORE December 31st.
(Realistically — for paperwork — by the week of Dec 15th.)
And here’s the good news for entrepreneurs:
You do NOT have to fund the plan until next year.
You ONLY need it set up this year to unlock the tax deduction. Deductions do depend on funding by tax deadline time allocated for 2025.
The most cost effective way is available to you!
This is one of the most powerful year-end strategies for:
✔ Sole proprietors
✔ Side hustlers
✔ 1099 contractors
✔ Small businesses with no full-time W-2 employees
Why?
Because with a Solo (K), you can contribute as the employee AND the employer — far higher than an IRA — which means:
💰 Bigger tax deductions
💰 Bigger retirement contributions
💰 More money growing for YOU instead of going to the IRS
Mark Kohler says it best:
“Taxes are your biggest expense as a business owner — stop tipping the IRS.”
If you had a great year financially but suddenly realized your tax bill is going to hit hard…
A Solo 401(k) may be the fastest, most legal, most IRS-approved way to reduce it. But the clock is ticking.
If you want to:
🛡️ Reduce Taxes
📈 Invest more of your own money
💼 Build Real wealth as a business owner (for you & your family)
⏳ AND still make the year-end deadline…
We need to talk THIS WEEK.
Comment “SOLO K” or message me.
I’ll help you determine if you qualify and walk you through the options.
Your hard-earned money should be working for YOU — not just the IRS.
— Coach Karie Valdes
PFS Investments | Financial Advisor & Solutionist
Helping business owners keep more of what they make & build wealth on purpose.
Call now to connect with business.
