Small Business Retirement Plans
Helping You & Your Employees Build a Secure Financial Future
As a small business owner, you want to take care of your employees while also maximizing tax benefits and planning for your own financial future. At Future-Focused Wealth, we specialize in helping businesses like yours choose and implement retirement plans that make sense—both for your company and your team.
Not sure which retirement plan is right for your business?
Schedule a Consultation
Why Offer a Small Business Retirement Plan?
Providing a retirement plan isn’t just about saving for the future—it’s a smart business decision. A well-structured plan can help:
✔ Attract & retain top talent—Competitive benefits make your company more appealing.
✔ Reduce taxable income—Employer contributions are tax-deductible.
✔ Build your own retirement savings—As a business owner, you deserve a secure future too.
✔ Encourage financial well-being for employees—Helping your team plan for the future leads to greater job satisfaction.
Want to explore retirement plans for your business? Let’s talk →
Your Small Business Retirement Plan Options
We work with business owners to determine the right plan based on company size, budget, and employee needs. Here’s a breakdown of the most popular options:
1️⃣ Simplified Employee Pension (SEP IRA)
💡 Best for self-employed individuals & small businesses with fewer employees.
✔ Easy to set up & maintain—Minimal paperwork, no annual filing requirements.
✔ Tax benefits—Employer contributions are tax-deductible.
✔ Flexible contributions—No annual funding requirement.
✔ Employee ownership—Funds are 100% vested from day one.
Want to explore a SEP IRA for your business? Let’s discuss your options →
2️⃣ Savings Incentive Match Plan for Employees (SIMPLE IRA)
💡 Best for businesses with up to 100 employees looking for a low-cost retirement solution.
✔ Employee contributions—Workers can contribute pre-tax dollars from their salary.
✔ Employer matching—Match up to 3% of employee contributions or provide a 2% non-elective contribution.
✔ Easy to manage—Less complex than a traditional 401(k), with no heavy administration costs.
Thinking about a SIMPLE IRA for your employees? Let’s build a plan →
3️⃣ SIMPLE 401(k): A Hybrid Option
💡 Best for small businesses that want the flexibility of a 401(k) with reduced administrative costs.
✔ Works like a 401(k) but with simplified rules
✔ Employer match required (similar to a SIMPLE IRA)
✔ Allows stricter eligibility rules to limit participation, if needed
Not sure if a SIMPLE 401(k) is right for you? Schedule a consultation →
Choosing the Right Retirement Plan for Your Business
💡 Each retirement plan has unique benefits, contribution limits, and tax advantages. The right one depends on your business structure, number of employees, and long-term goals.
At Future-Focused Wealth, we help business owners:
✔ Compare plan options—so you can make an informed decision.
✔ Maximize tax benefits—ensuring your plan works for both you and your business.
✔ Implement & manage the plan—so it’s easy for you and your employees.
Ready to set up a retirement plan that works for your business? Let’s talk →
Let’s Build a Retirement Plan That Works for You
Providing a retirement plan shouldn’t be complicated. Whether you're self-employed, managing a small team, or growing your business, we’ll help you implement a tax-efficient, easy-to-manage retirement strategy that aligns with your goals.
📩 Let’s start planning today. Book a Free Consultation →
1 Contributions are limited to 25% of an employee's compensation or $61,000 for 2022.
2 $14,000 is the current maximum and the amount is indexed for inflation.
3 An employer may make less than the 3% contribution for two years out of five year period but it cannot be less than 1%.
