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.
We support multiple custodians and providers. For 401(k), we partner with Guideline to offer modern, low-friction plans.
Solo 401(k)
High limits • Roth & pre-tax
SEP IRA
Employer-funded • Simple admin
SIMPLE IRA
Up to 100 employees
Defined Benefit
Highest potential contributions
Here are the most common solutions we implement for small businesses. We'll size the plan to your goals, headcount, and budget.
Designed for owner-only businesses (with or without a spouse on payroll). Combines employee deferrals and employer contributions for high annual limits.
Employer-funded plan with straightforward administration. Great for businesses with variable profits or those wanting simplicity.
A budget-friendly starter plan that allows employee salary deferrals with required employer contributions.
For high-income owner-operators who want the highest potential tax-deductible contributions and predictable retirement income targets.
A flexible, scalable plan for growing teams. We implement modern 401(k)s with auto-enrollment, Roth options, and streamlined admin.
If you already have a retirement plan with a third-party administrator/recordkeeper, we can provide an investment-only brokerage solution.
Every plan has tradeoffs. Here's a quick comparison to start the conversation.
| Plan | Who it's for | Employee deferrals | Employer contrib. | Complexity |
|---|---|---|---|---|
| Solo 401(k) | Owner-only businesses | Yes (pre-tax & Roth) | Profit sharing optional | Moderate |
| SEP IRA | Owner-only or with employees | No | Employer only | Low |
| SIMPLE IRA | Up to 100 employees | Yes (pre-tax & Roth*) | Required match or nonelective | Low |
| Defined Benefit | High-income owner-operators | No | Actuarially determined | Higher |
| Business 401(k) | Businesses of any size | Yes (pre-tax & Roth) | Employer optional | Moderate |
*Roth SIMPLE availability depends on current regulations and provider features.
Clear steps from discovery to ongoing support.
STEP 1
We learn about your entity type, payroll, and savings targets. Bring last year's numbers--we'll do the rest.
STEP 2
We model contribution ranges and tax impact, then recommend a plan lineup and provider.
STEP 3
We coordinate onboarding with custodians, TPAs, and payroll. For 401(k), we set up through our partner Guideline.
STEP 4
We help with annual deadlines, employee education, and plan reviews as your business grows.
We specialize in plans for owner-operators--including trucking and trade businesses--balancing sizable deductions with straightforward administration.
Auto-enrollment, Roth features, and payroll sync help attract talent and keep participation high without adding back-office friction.
We implement 401(k)/403(b)-style solutions tailored to nonprofit budgets and compliance needs.
General information--your setup will be tailored to your situation.
SEP and SIMPLE IRAs are typically the lowest lift for small teams. Solo 401(k)s and business 401(k)s require more design choices but can unlock higher savings.
Often, yes. Many owner-operators pair a defined benefit plan for large deductible contributions with a Solo 401(k) for additional deferrals.
Roth SIMPLE options have become available under recent rules, but availability varies by provider. We'll confirm current options during scoping.
We can work with your recordkeeper/TPA and provide investment-only brokerage access plus ongoing advisory support.
Schedule a quick discovery call and we'll map out a right-sized approach for your team.
General information only. Not legal or investment advice. Features and contribution limits depend on current law and provider capabilities.
Prefer a modern 401(k)? We implement plans via our partner Guideline with auto-enroll, Roth deferrals, and transparent pricing.
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