When your business is most of your wealth, your personal plan and your business need to work together. We build one plan around your pay, your company, and your family.
This page is for owners of profitable small businesses, especially tech and IT services firms, agencies, consultancies, and other service businesses. Common situations: personal and business money are tangled, income arrives unevenly, most profit goes back into the company, and there is no clear plan for saving or for leaving the business someday.
Many owners also tell us they do not have time to manage their own money. That is the gap we fill. Most of our clients earn $200,000 or more.
The mix can change your taxes, the retirement contributions you can make, and how steady your household income feels. The right answer depends on your business structure and your state, so we work it out with your CPA, who knows your return.
When everything goes back into the company, your family's security rides on one asset. Saving outside the business means building a separate pool of investments in your own name, so a hard year at work does not become a hard year at home.
Owners can often save much more than a regular 401(k) allows. The right plan depends on whether you have employees, how steady your profit is, and how much you want to set aside.
| Solo 401(k) | SEP IRA | |
|---|---|---|
| Who can use it | Owners with no employees besides a spouse | Owners with or without employees |
| Who contributes | You, as employee and employer | The business only |
| If you have staff | Generally not available | Eligible employees generally receive the same percentage |
| Setup | Plan document and account | Simple form and IRA |
Contribution limits and eligibility rules change every year. Confirm current limits with your CPA or plan provider, and we will fit the choice into your wider plan.
We do not sell insurance. We review what you have, explain the gaps, and you choose where to buy.
Options include selling to an outside buyer, selling to a partner or employees, passing the business to family, or keeping it and taking income. Each affects what the business is worth to you and what you keep after taxes.
Starting early gives you time to build value, to depend less on any one person (including you), and to save outside the business. It is also how work-optional becomes a plan instead of a hope. We coordinate with your CPA, your attorney, and a valuation or M&A professional when you need one.
This page is for general education only. It is not personalized investment, tax, or legal advice. Tax rules change and depend on your situation, so coordinate with your CPA before acting. See our disclosures.
Start with a free 30-minute call, or grab the checklist for any equity you hold.