Retirement Planning for Realtors: Build Wealth Beyond Commissions

As independent contractors, Realtors don’t have employer-sponsored retirement plans — but they can build their own powerful savings vehicles.

Top Options:

• SEP IRA: Contribute up to 25% of net earnings (max $69,000 in 2025).

• Solo 401(k): Employee + employer contributions up to $76,500 (if over 50).

• Traditional IRA/Roth IRA: $7,000 limit, plus $1,000 catch-up if over 50.

Why It Matters: These plans lower taxable income now while building future wealth — and they signal financial discipline to lenders and investors.

💡 Key Takeaway: Pay yourself first. Your future depends on how you save, not just what you earn.

⚠️ This blog is for informational purposes only and does not constitute tax, legal, or accounting advice. Please consult your CPA for guidance specific to your situation.