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Small Business Retirement Planning

Helping you work toward financial stability in retirement.

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As a business owner, incorporating small business retirement planning into your overarching wealth management plan is one of the smartest ways you can help set yourself up for long-term financial stability. Additionally, if you’re self-employed, setting up a retirement account can help you save on taxes while simultaneously planning for your retirement.

However, navigating retirement plans for small businesses can be both confusing and time-consuming without the help of a professional. From determining the right plan for your business to selecting investments and understanding tax advantages, having Avidian Wealth Solutions as your financial partner can help you set yourself and your business up for sustainable success.

By implementing proper small business retirement planning, you can set yourself up to make more informed decisions about how to save for your retirement, working to minimize your worry about outliving your resources or running out of runway in your golden years.


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Why partner with Avidian for your small business retirement planning?

Customized plans that meet your individual needs

For small business owners, having a well-crafted retirement plan can help them save for the future while also optimizing their wealth and taking advantage of tax benefits right now.

That’s why partnering with Avidian Wealth Solutions for your small business retirement planning needs is so important — we provide tailored plans that incorporate financial planning for business owners. Our team will design a custom-tailored plan with the specific needs of you and your business in mind, taking into account factors such as tax advantages, investment selection, and other important considerations such as risk tolerance and liquidity.

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Professional evaluation of risk

Understanding the risks of each type of retirement plan for small businesses is an important part of achieving long-term financial stability. That’s why we offer business risk management in the services we offer to business owners and entrepreneurs.

Avidian Wealth Solutions can analyze the risks associated with various types of retirement plans, making considerations about fees, taxation, and the other associated costs of putting together a long-lasting plan. With our professional guidance, you can make decisions regarding your business retirement plan confidently knowing that potential risks have been taken into account.

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Established tax-reduction strategies

One of the primary benefits of setting up a small business retirement plan is the potential for reducing or deferring taxes. Avidian Wealth Solutions offers business tax planning services built around time-tested tax-reduction strategies, incorporating 401(k)s, Roth IRAs, SEP IRAs, and other types of retirement plans for small businesses.

We can work with you and your existing team of accountants to assess your current financial position and invent a customized tax-reduction plan that helps you maximize the benefits of setting up a retirement plan for your business.

Federal Tax forms

Formal planning for the future of your business

At Avidian Wealth Solutions, we understand that planning for the future of your small business is just as important as saving for retirement. That’s why our team is committed to helping you develop a comprehensive plan that incorporates formal succession planning or exit planning to set your business up for succession or sale after your exit.

Through our suite of wealth solutions and financial planning services, we can help you create a formal framework for passing on your business to the next generation. This includes an assessment of the location, size, and structure of the business as well as services like estate planning and asset protection to ensure that all of your hard-earned assets are managed with the utmost care, exactly to your vision.

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What type of retirement plan is best for my small business?

Ultimately, that is a decision that you will have to make after considering the specific needs of your business. However, Avidian Wealth Solutions can provide the professional guidance you need to make an informed decision. We can discuss your financial goals, any tax benefits you may be eligible for, and the different types of retirement plans that would best suit your needs.

That said, some types of retirement plans for small businesses that may be available for you include:

Small business 401(k)

A small business 401(k) is a retirement savings plan specifically designed for small businesses. It allows employers to set aside money in an account for their employees and provides tax benefits that can help reduce the overall cost of saving for retirement. With a small business 401(k), employers have the option to match employee contributions, up to certain limits, making it an attractive choice for many small businesses.

Traditional 401(k)

A Traditional 401(k) is a retirement savings plan designed for employers to set aside money on behalf of their employees. It offers the advantage of allowing employers to contribute to employee accounts and receive tax benefits, while also providing employees with potential employer matches that can significantly increase their retirement nest egg.

Additionally, this type of plan is easy to administer and manage compared to other types of plans, making it an ideal choice for small businesses looking to offer a retirement plan without incurring too much administrative costs or hassle.

IRA for small business owners

An IRA for small business owners can be an ideal retirement savings option for those who are self-employed or own a small business. There are different types of IRAs including:

  • SEP IRAs
  • Roth IRAs

An IRA allows individuals to save money in tax-deferred accounts that grow over time and provide significant tax benefits. Depending on the type of IRA, the contributions made by the individual are deductible from their taxable income, meaning they will pay fewer taxes overall.

Continue reading: How to save for retirement as a small business owner

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