Retirement plans for SMBs — practical, compliant, tax-smart

Design retirement benefits that recruit talent, optimize taxes, and protect owners' futures. We help small and mid-sized businesses implement 401(k), SEP IRA, SIMPLE, and cash-balance plans tailored for your goals.

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Typical turnaround: Plan design in 5–10 business days
Retirement planning illustration

Why SMBs choose our retirement solutions

We focus on actionable plans — easy administration, tax advantages, and flexible owner contributions. Advisors work with your accountant and payroll provider for seamless setup.

  • Plan design that minimizes employer tax burden
  • Flexible employer and owner contribution structures
  • Compliance support and IRS filings guidance
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Small business meeting
Advisor discusses plan
78%
of clients reduce taxable income in year 1
$4.2M
total retirement assets managed

Plan comparison & examples

Quick reference: choose the plan that fits your payroll size, owner goals, and administrative capacity.

Best for businesses that want higher employee deferrals, owner contributions, and competitive benefits. Offers higher contribution limits and optional employer matching. Requires plan setup and annual testing unless a safe-harbor election is made.

Low-administration option for owner-heavy businesses. Employer-only contributions, flexible each year. Simpler to administer with high owner contribution potential.

Best for very small employers (generally <100 employees) who want low-cost payroll deductions with mandatory employer contributions. Easier than a 401(k) but lower contribution limits.

Quick feature table

Feature401(k)SEPSIMPLE
Employee deferralsYes***Yes
Employer contributionsYesYesYes
Admin complexityMedium–HighLowLow
Ideal forGrowing SMBsOwner-heavy bizVery small teams
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Case studies

Real small business outcomes after implementing our recommended plan designs.

Local bakery — SEP IRA

Reduced owner's taxable income by 21% in the first year while preserving cash flow.

Get similar results
Tech consultancy — Safe Harbor 401(k)

Improved retention and increased average employee savings rate.

Learn how we helped
Case study 1
Case study 2
Estimate your savings impact

Use our advisor-guided modeling to see tax and cashflow scenarios. Advisors coordinate with your CPA for final decisions.

Meet your advisor

Advisor face
Jordan Lee
Retirement Specialist
Expert in SMB plan design and small business tax strategies.
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How we onboard

  1. Initial call to review payroll and ownership structure.
  2. Modeling to compare plan options and employer costs.
  3. Plan selection, document drafting, and vendor setup.
  4. Ongoing compliance and annual review.
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Frequently asked questions

Typical setup is 5–10 business days for documentation and vendor onboarding; timing varies with payroll provider coordination.

Yes. Many plans (SEP, discretionary contributions for 401(k)) allow employer contribution changes year-to-year subject to plan rules.

We provide compliance guidance, required forms information, and can coordinate with third-party administrators and your tax advisor for filings like Form 5500 when applicable.

Ready to start?

Schedule a complimentary planning call or request a cost model for your business.

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