Individual and Small Business

RETIREMENT SERVICES

Whether you're a solo owner-operator or you employ a growing team, we'll help you choose and set up the right retirement plan--maximizing tax advantages, keeping admin simple, and aligning with your cash flow.

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Travis Tandy CEO & President of Tandy Consulting Inc

Who we are good for

Designed for the way small businesses actually operate.

Sole proprietors
Ideal for businesses with one owner and no employees. We help maximize deductions and simplify retirement funding through plans tailored to solo operations.
Growing teams
Auto-enrollment, Roth features, and payroll sync help attract talent and keep participation high--without adding back-office friction.
Nonprofits
We implement 401(k)/403(b)-style plans tailored to nonprofit budgets, compliance requirements, and funding constraints.
Business owners of any size
From small teams to multi-location organizations, we build scalable retirement strategies that grow with the business and integrate cleanly with payroll and benefits.

Plan options at a glance

Here are the most common solutions we implement for small businesses. We'll size the plan to your goals, headcount, and budget.

SOLO 401k
ROTH IRA CONVERSION
HSA - HEALTH SAVINGS ACCOUNT
SEP IRA
DEFINED BENEFIT PLAN
INVESTMENT ONLY ACCOUNT
TAX LOSS HARVESTING
FAMILY PAYROLL

Our process

Clear steps from discovery to ongoing support.

Step 1
Discovery
We learn about your entity type, payroll, and savings targets. Bring last year's numbers—we'll do the rest.
Step 2
Plan design
We model contribution ranges and tax impact, then recommend a plan lineup and provider.
Step 3
Implementation
We coordinate onboarding with custodians, TPAs, and payroll. For 401(k), we set up through our partner Guideline.
Step 4
Ongoing support
We help with annual deadlines, employee education, and plan reviews as your business grows.

Which plan fits your business?

Every option has tradeoffs. Here's a quick comparison to start the conversation.

Plan / Strategy Who it's for Employee deferrals Employer contribution Complexity
Business 401(k) Businesses of almost any size that want a flexible, mainstream retirement plan. Yes (pre-tax & Roth, subject to annual limits). Employer match and/or profit sharing optional. Moderate — annual testing and filings may apply.
Solo 401(k) Owner-only businesses (and spouse on payroll) with no common-law employees. Yes (pre-tax & Roth, within annual limits). Profit sharing contribution from the business is optional. Moderate — simpler than a full 401(k), but still paperwork.
Traditional & Roth IRAs Individuals saving outside an employer plan or adding to it. Yes, but with lower individual annual limits. No employer contribution; this is an individual account. Low — usually opened directly with a custodian.
Self-Directed IRA Investors wanting access to alternatives (real estate, notes, etc.). Yes, similar IRA contribution limits, subject to rules. No employer contribution; individual only. Higher — strict prohibited transaction rules, needs careful oversight.
SEP IRA Owner-only or small businesses that want employer-only contributions. No employee deferrals. Employer contributions only, uniform percentage for eligible employees. Low — easy to set up and administer.
Profit Sharing / Employer Match Businesses using a 401(k) or similar plan that want to reward staff. Yes, via the underlying 401(k) or other plan. Employer contributions based on formula or profit targets. Moderate — design options and compliance testing may apply.
Roth IRA Conversions Tax-conscious savers willing to pay tax now for potential tax-free growth later. Not a new contribution; converts existing pre-tax accounts to Roth. No employer contribution; this is a tax-planning move. Moderate — requires careful multi-year tax planning.
Health Savings Accounts (HSA) Businesses or individuals on a qualifying high-deductible health plan. Yes, employee pre-tax contributions (up to annual limits). Optional employer funding; can be structured as a benefit. Low to moderate — plan setup plus coordination with benefits and custodian.
Defined Benefit Plan High-income owner-operators seeking very large, steady contributions. No elective deferrals; benefit is formula-based. Required employer contributions determined by actuary. Higher — actuarial work, strict funding rules, and annual filings.
Kids on Payroll (Family Employment) Family businesses with children legitimately working in the business. Kids can contribute to IRAs or 401(k) based on earned income. Employer contributions possible if they're eligible under the plan. Moderate — must document real work, reasonable pay, and plan eligibility.
Investment-Only Accounts Businesses or individuals who want non-retirement investment buckets. No retirement deferrals; this is after-tax investing. No employer contribution unless structured as a bonus/comp plan. Low to moderate — mainly investment and tax-planning coordination.

*Exact limits, eligibility rules, and Roth availability depend on current tax law and provider features. We'll walk through your specific numbers before recommending any plan lineup.

Important disclaimer
We provide tax and accounting guidance around retirement plan design, but we are not certified financial planners or investment advisors. Investment products, specific portfolios, and securities recommendations are implemented through an independent financial professional. We coordinate with that professional so your tax, payroll, and retirement strategy work together.

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