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Amanda White

CFP, 5-Year Full-Time Freelancer
Updated: January 18, 2026
Retirement

Guideline

Low-cost 401(k) provider for self-employed and small businesses with simple setup and low fees for retirement savings.

In This Article

Pricing
$49/month base

Pros & Cons

Pros

  • Very low fund fees
  • Easy setup
  • Compliance included

Cons

  • Monthly base fee
  • Limited customization
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Key Features

Solo 401(k)
Low-cost index funds
Automatic enrollment
Compliance handled
Roth option
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FAQs

Can gig workers use Guideline?

Yes, Guideline offers Solo 401(k) plans perfect for self-employed gig workers.

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Fact-Checked Expert Reviewed Regularly Updated
Last updated: January 18, 2026
Reviewed by GigFinance Team, Gig Economy & Finance Experts
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Important Disclaimer: This content is for informational purposes only and should not be considered tax, legal, or financial advice. Consult a qualified professional (CPA, tax attorney, or financial advisor) for advice specific to your situation.