Beneficiary would receive current balance at time of death IAW Roth IRA rules.All sounds good but I’m not familiar with Athene’s possibly non stock investment vehicles.  

Buncha future Uber drivers?

You can increase your net worth by investing in assets that appreciate instead of spending your money on vacations, expensive vehicles, designer clothes, and other luxuries.Cut unnecessary expenses: Many people spend more than they realize on daily expenses like eating out, buying coffee and snacks, unused subscriptions, and other things.

Do they pay for vacation pay, medical insurance, workers comp, payroll taxes, PTO & holidays, ongoing training, trucks & commercial vehicle insurance, liability insurance, admins, marketing, SEO, liability insurance, bonding fees, licensing fees?

Fortunately I had Mario Andretti for the taxi driver.  

Should I open a separate HYSA or similar vehicle to park additional cash reserves and or taxes set aside from prior projects?

Inglewood's rental protection is making me submit drivers license, bills and tax license for a unit that at this time I have no incentive to rent when someone can get away with not paying the rent for months.

There's not much to build with these properties.One metal building for lessees to repair their vehicles. 

So you are just choosing one retirement vehicle over another.You can also consider rolling the 401K into your new employer and take out a 401K loan if your employer offers the option.You would normally be eligible to take a loan of the lessor of $50,000 or 50% of your vested balance which would be $4,500.Best of luck

Like vehicles  airplane or equipment for your contracting business .. or real estate with its bonus depreciation but its going down and not as attractive as a few years ago for sure.