Smart Retirement Planning for Small Business Owners
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SEP‑IRA vs. 401(k) vs. Cash Balance
Visual comparison chart of contribution limits & benefits.
| Plan | Max Contribution | Employer Required? | Admin Complexity |
|---|---|---|---|
| SEP‑IRA | $69,000 | Yes | Low |
| Solo 401(k) | $69,000 | No | Medium |
| Cash Balance | $100k–$300k+ | Yes | High |
Retirement Plan Setup Checklist
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* This is an estimate for educational purposes only. Actual results may vary. Consult a professional for personalized advice.
Meet Our Advisors
Alexander Tecle
18 years experience • 200+ clients
Specializes in tax-efficient retirement strategies
Charles Zimmerer
25 years experience • 250+ clients
Expert in high-net-worth retirement planning
Find Your Ideal Retirement Plan
Answer a few quick questions to get a personalized recommendation.
Step 1 of 4
What is your business structure?
Different entities have different contribution caps.
Frequently Asked Questions
Who qualifies for a Solo 401(k)?
Self‑employed individuals with no full‑time employees.
Are contributions tax‑deductible?
Yes, contributions reduce your taxable income.
Cash Balance vs. SEP‑IRA?
Cash Balance allows higher contributions for older owners.
How long does setup take?
Typically 2‑3 weeks once paperwork is complete.
Do I need an actuary?
Only for defined benefit and cash balance plans.
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