Should my retirement plan be a 401(k), a SEP, or a Cash Balance plan?

Depends on your age, the business's profitability, your employee count, and your tax bracket. A high-income solo owner near retirement can often shelter several hundred thousand dollars per year in a Cash Balance plan layered on top of a 401(k). We model the options against your tax situation.

Financial Advisor for Business Owners

Business owners and executives have a fundamentally different financial life than W-2 employees. Compensation is variable. A meaningful share of net worth is illiquid. Tax planning is more consequential. Retirement and succession are tangled.

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What we help with

Concentrated stock and equity comp, RSUs, ISOs, NSOs, ESPPs, vesting, AMT, diversification.
Tax planning, entity structure, retirement plan contributions (Solo 401(k), Cash Balance, SEP, defined benefit), QBI, bunched giving.
Retirement plan strategy, building or refining your firm's plan to maximize owner contribution.
Insurance and risk management, disability, key-person, buy-sell, personal life and LTC.
Succession or sale, coordinated planning leading into a sale, including QSBS, charitable trusts, donor-advised funds, post-liquidity portfolios.
Personal financial plan, because the business is not the only thing you own.

Tax PlanningLearn more →Investment ManagementLearn more →Charitable & Legacy PlanningLearn more →

Frequently asked questions

5–10 years before you want to stop working. For owners, the runway is more about the business's readiness than yours, the sale, succession, or wind-down typically takes longer than you expect.

Your business is the biggest asset on your balance sheet, and the trickiest one to plan around.

What we help with

Frequently asked questions

Coordinate the business and the balance sheet.