401(k) Solutions

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  What 401(k) Solutions Are

Most business owners and professionals have significant capital locked inside employer‑sponsored retirement plans. When those plans become rollover‑eligible — through job changes, business transitions, or Solo 401(k) structures — investors gain access to powerful alternative investment pathways.

Origin Forge engineers 401(k) rollover strategies that allow investors to participate in Reg D private placements, real‑asset opportunities, and structured capital programs designed for long‑term growth.

Why 401(k) Rollovers Matter

A rollover‑eligible 401(k) can be converted into:

• a Self-Directed IRA, or
• a Self-Directed 401(k)

Once converted, investors gain the ability to invest in:

• private placements
• real‑asset projects
• alternative investment opportunities
• Reg D 506(c) offerings
• mission‑aligned capital programs

This unlocks capital that is normally restricted to traditional market investments.

Eligible 401(k) Accounts

Investors can roll over:

• Former employer 401(k)s
• Solo      401(k)s
• Profit‑sharing      plans
• Corporate      401(k)s (when eligible)
• SEP/SIMPLE      plans (into SDIRA or SD401(k))

These accounts can be redirected into structured capital pathways engineered by Origin Forge.

401(k) Contribution Limits (2026)

These are the current IRS limits:

Employee Contribution Limits

• $23,000     per year (under age 50)
• $30,500     per year (age 50+)

Total Contribution Limits (Employee + Employer)

• Up to $69,000 per year
• Up to $76,500 per year (age 50+)

BUT — the key point:

Rollovers have no limit.

Investors can roll over:

• $50,000
• $100,000
• $250,000
• $500,000+

There is no IRS cap on rollover amounts.

This is why 401(k) rollovers are one of the strongest capital pathways for Reg D offerings.

Why 401(k) Investors Are Ideal for Reg D Offerings

401(k) investors often:

• qualify as accredited investors
• have large rollover‑eligible balances
• want diversification beyond the stock market
• prefer real‑asset or alternative investment options
• seek tax‑advantaged growth
• want long‑term capital alignment

Origin Forge builds the bridge between rollover investors and structured private placements.

How 401(k) Rollovers Work

1. Investor identifies a rollover‑eligible 401(k)Former employer plans are the most common.

2. Investor opens a Self-Directed IRA or Self Directed 401(k) Through a qualified custodian.

3. Investor rolls over funds No taxes. No penalties. No limits.

4. Investor directs the SDIRA/SD401(k) to invest in a Reg D offering The custodian sends funds directly to the investment.

5. The retirement account owns the investment All gains flow back into the account tax‑deferred or tax‑free (Roth).

Tax Advantages

Traditional 401(k → SDIRA/SD401(k)

• Tax‑deferred growth
• No capital gains tax
• Taxes only at distribution

Roth 401(k → Roth SDIRA/SD401(k)

• Tax‑free growth
• No capital gains tax
• No tax at distribution
• No tax ever (if rules are followed)

This is why rollover investors often write the largest checks in Reg D offerings.

401(k) + Reg D = A Strategic Capital Pathway

When combined, 401(k) rollovers and Reg D offerings create:

• larger average investment amounts
• tax‑advantaged growth
• long‑term investor alignment
• diversification beyond the market
• real‑asset investment opportunities

Origin Forge engineers these pathways for businesses, projects, and investors.

Who This Is For

• Business owners
• Professionals with former employer 401(k)s
• Solo 401(k) holders
• Investors seeking alternative assets
• PEO clients with rollover‑eligible plans
• Accredited investors exploring private placements

Schedule a Capital Strategy Call

Let’s engineer the 401(k) pathway that unlocks your Reg D capital.