Protect and invest up to $72,000 per year.
Build, Protect, and invest Capital — Starting with Your Business
401(k) Overview
For business owners, a 401(k) isn’t just a retirement plan. It’s one of the most powerful tools available to:
- Reduce taxes
- Build long-term wealth
- Attract and retain top talent
- Increase the value of your business
The Owner Advantage
As a business owner, you can contribute to a 401(k) in two ways:
- As an employee
- As the employer
This allows you to contribute up to $72,000 per year (as of 2026, and depending on income and structure), which reduces your taxable income by the same amount.
That’s not just saving. That’s strategic capital allocation.
Why It Works
- Strong tax advantages
- Flexible contribution structure
- Ability to include Roth contributions
- High contribution limits (employee + employer)
How We Help
We help you coordinate the initial setup and ongoing administration by creating a trusted partnership with you, us, the custodian, and a TPA/records-keeper. Once the plan is ready, we then do the investment management, which includes:
- Contribution strategies (traditional vs Roth)
- Plan design based on your income and goals
- Investment alignment with your broader portfolio
- An overall integration with your overall financial plan
WHEN YOU’RE ONE OF ONE
Solo 401(k)s
A Solo 401(k) is often the first step in turning business income into long-term wealth.
Who is eligible? A Solo 401(k) is designed for business owners with no full-time employees (other than a spouse).
Great Fit Professions
Solo 401(k)s are especially effective for:
Independent Professionals
- Consultants and advisors
- Accountants and attorneys
- Fractional executives (CFO, COO, etc.)
Medical & Health (Independent)
- Physicians and dentists
- Therapists and private practice professionals
- Chiropractors and specialists operating solo
Sales & Commission-Based
- Real estate agents and brokers
- Independent insurance professionals
- Mortgage brokers and high-producing sales roles
Creative & Digital
- Agency owners and freelancers
- Designers, developers, and creators
- Content and media professionals
Real Estate
- Real estate agents and investors
- Property managers running lean operations
- Owners focused on building long-term assets
Designed for businesses with more employees
Group 401(k) Plans
Attract and retain top talent while you strategically reduce taxes and invest.
Who is eligible? Employers who have employees beyond themselves (and a qualifying spouse).
Group 401(k) plans allow you to:
- structure contributions strategically
- build wealth while supporting your team
- provide meaningful benefits to employees
Plan Types
We help you evaluate and implement the structure that best fits your business.
Pooled Employer Plans (PEPs)
Simplicity Through Scale. PEPs allow multiple businesses to participate in a single, professionally managed plan.
Benefits:
- Built-in fiduciary support
- Reduced administrative burden
- Scalable as your business grows
- Cost efficiency through shared structure
A strong option for owners who want a streamlined, modern solution.
Multiple Employer Plans (MEPs)
Shared Structure, More Flexibility. MEPs bring multiple employers together under a common plan, while allowing some customization.
Benefits:
- Greater flexibility than PEPs
- Shared administrative responsibilities
- Lower costs compared to standalone plans
A balanced approach for businesses that want efficiency without giving up control.
Standalone 401(k) Plans
Custom plans built around your business. For larger or more complex businesses, a custom plan provides full control.
Benefits:
- Greater flexibility in plan design
- Tailored contribution structures
- Integration with business cashflow
- Advanced profit-sharing strategies
Planning, investing, and 401(k)s
Next Step → Contact Us
Schedule a Discovery Meeting
What’s on your mind financially, and how can we help? Tap the button below to see our financial planning services.