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To make a short story long, my wife and I are self employed and work together. No employees. Is there a broker that will allow me to get a Roth 401K and buy the stocks I want?

Yes, they are often called 'solo' 401(k)s or 'single' 401(k)s. If you have a relationship with a broker other than Sharebuilder, you can ask there. Otherwise, you might want to start with Fidelity https://www.fidelity.com/retirement-ira/small-business/self-... or Vanguard https://investor.vanguard.com/what-we-offer/small-business/i...

I think there is an income limit rule on this too but I don't know if that is the gross income of the company, after all deductions or what. I'm reading conflicting stories.

There are income limits. For the Roth portion of a 401(k), you, as the employee, can put in up to $17,500 (plus a $5,500 catch up contribution if 50 or over). The employer can contribute a total of $51,000 or 25% of the business profit, whichever is less. The employer contribution plus the employee contribution for an individual cannot exceed $51,000, not including the catch-up contribution for those 50 or over). All employer contributions must be pre-tax, so they cannot go into the Roth portion of the 401(k).

AJ
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