Rollover Business Startups (ROBS)

What is a Rollover Business Startup?


Leave the complexity to me

Financing a new or existing businesses using your own retirement funds is a funding mechanism called a RollOver Business Startup (ROBS). There is no specific, single rule that delineates a ROBS approach and no rule that prohibits it. Rather, the strategy uses regulations from several sources which, when pieced together in the right framework, allows individuals to invest their own retirement funds into a corporation that sponsoring employer’s properly drafted 401(k) plan.

A Rollover Business Startup is a viable funding strategy

(ROBS) is a mechanism for funding a new or existing business with your 401(k) funds. Frank Selden law works to make this process clear and easy to follow—with hundreds of successful clients living out their dreams.

A 401(k) Rollover Business Startup strategy is a viable funding strategy if the entrepreneur follows all legal requirements for establishing and operating 401(k) plans and for offering Qualified Employer Securities to employees. Some ROBS promoters over-simplify a client’s duties. This is why working with an attorney, rather than a promoter, is in your best interest. Promoters by law are not able to give you legal advice.

Frank Selden is one of the foremost experts in creating business funding with qualified funds.

Funding your Dream with Your 401(k)

Frank Selden law can help you walk through the entire funding process, minimize your risk, and achieve your dream with your 401(k) funds. A properly structured and administered ROBS arrangement can satisfy both the requirements and spirit of the tax laws and serve legitimate tax and business planning purposes. It is critical, however, that entrepreneurs who fund their businesses through Rollover Business Startup arrangements understand the possible legal pitfalls and take seriously their ongoing responsibilities as fiduciaries of their companies’ retirement plans.


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There is no specific, single rule that delineates a ROBS approach and no rule that prohibits it. Rather, the strategy uses regulations from several sources which, when pieced together in the right framework, allows individuals to invest their own retirement funds into a corporation that sponsoring employer’s properly drafted 401(k) plan.

IRS Resources

DOL Resources

Other Resources

ROBS Cases

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