I’ve enjoyed a lot reading your article and appreciate the time you’ve taken on researching for it.
Back in 2016 I was about to start my own business via the ROBS option, but ended up delaying it until now and I see that there are several more options available, which is great.
My question is if two separate 401K accounts, one from you and the other one from your spouse can be combined to create a single corporation under ROBS guidelines and if so, which are the incremental IRS rules (i.e. rules in addition to the normal ROBS guidelines) to do so.
Thank you for your question. I can respond for Jeff. Keep in mind that the ROBS will fund one 401(k). However, the 401(k) can be funded by more than one ROBS. Therefore, more than one person can fund the 401(k) via ROBS. For more details, see our article on How to Set Up a ROBS and you can also look at IRS guidance on ROBS.
I hope that helps!