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How communities workFree F100 Community$7 VIP CommunityVIP 1-to-1VIP Platinum ConsultingLive EventsA retirement plan you built yourself.
No boss plan is coming. Learn your options in plain words. Then decide with a licensed pro.
This is education. Talk to your CPA or lawyer. We don't pick stocks or funds for you.
This is to teach, not tax, legal or money advice. Talk to your CPA, lawyer or licensed agent first. The insurance company backs the policy. A policy loan costs interest. It also lowers your cash value and death benefit.
Wealth Financial Investing Group teaches retirement basics. We are in Chattanooga, TN. We teach self-employed life insurance agents. Learn how SEP IRAs and Solo 401(k)s work. See where renewals and cash value fit, plus exit basics.
Updated October 22, 2026 · Checked by Travis Pace, founder
Your future, not an afterthought.
Going 1099 took away your work plan. It did not take away your need for one.
You haven't saved since you left your W-2 job.
The accounts you can open on your own. How they differ.
SEP IRA or Solo 401(k)? You can't tell.
Both side by side. See how much you can put in. See who each fits.
You count on renewals. You don't know if they'll last.
How vesting and kept policies shape your renewals.
Someone told you whole life is all you need.
Where cash-value insurance can fit in a plan. And where it can't.
You left an old 401(k) at your last job. You forgot it.
Rollover basics. Your old accounts join one plan.
What happens to your agency when you stop?
Exit basics. Your book gets a plan too.
Options a 1099 agent has.
Ideas and simple charts. You pick accounts with a licensed pro.
SEP IRA concepts
Only the boss puts money in. Simple setup. Learn what changes once you hire.
Solo 401(k) concepts
You put in as both boss and worker. It works while you have no staff.
Renewals in your plan
How vesting and kept policies shape your renewal pay.
Cash-value insurance's role
What it can add. What it costs. Why it does not take the place of an account.
Old account rollovers
Bring old work plans together. Nothing gets lost.
Succession basics
Plan who will serve your book when you step back.
Is this where you start?
This is for me if
- You have no retirement plan since going 1099
- You want to compare accounts before you open one
- You count on renewals and want a backup
- You're starting to think about who takes over
Not a fit if
- You want fund or stock picks
- You need someone to manage your money
- You want a promised retirement income
Your plan in three steps.
Lots of agents start late. Starting at all is what counts.
Share where you are
On your intro call, share how you're paid. Share your accounts and goals.
Learn your options
Accounts, renewals, coverage and exit plans. In order.
Decide with a pro
Pick accounts with a licensed money pro and your CPA.
Retirement questions agents ask us
SEP IRA or Solo 401(k) for a 1099 agent?
It depends on your income and staff. A Solo 401(k) has two ways in. You add as boss and as worker. That can allow more at lower income. A SEP IRA is simpler. But only the boss puts money in. Limits change each year. Check with your CPA.
What if I hire staff with a Solo 401(k)?
A Solo 401(k) is for owners with no staff. A spouse is fine. Do you hire staff who qualify? Then you may need a new plan. Plan the switch with your plan firm and CPA.
Are my renewals a retirement plan?
Not on their own. Renewals hang on your vesting terms and carrier rules. They also hang on clients keeping their policies. Read your contracts. Build savings next to them.
Can cash value replace a retirement account?
For most people, no. Cash value can add some room to move. But it has costs, loan interest and lapse risk. So many agents use both. Go over it with a licensed agent first.
Can I move an old 401(k) into my plan?
Often, yes. Many IRAs and Solo 401(k) plans take rollovers. But rules hang on the plan papers. Check with both plan firms before you move money.
Ready to plan your retirement?
A 15-minute intro call shows which ideas fit your stage.
This is to teach, not tax, legal or money advice. Talk to your CPA, lawyer or licensed agent first. The insurance company backs the policy. A policy loan costs interest. It also lowers your cash value and death benefit.