Retirement Plans for Small Business Owners

Attract and keep good employees — and build your own retirement — with a plan sized to your business.

SEP IRA, SIMPLE IRA, or 401(k)?

SEP IRA — simple to administer, employer-funded only, good fit for owner-only or very small businesses

SIMPLE IRA — allows employee contributions with required employer match or contribution, lower setup cost than a 401(k)

Small Business 401(k) — the most flexibility and highest contribution limits, with more administrative requirements

Why It's Worth Setting Up

A retirement plan isn’t just a benefit for your employees — contributions you make for yourself as the owner grow tax-deferred too, and offering a plan can be a real differentiator when you’re competing for talent against larger companies.

How We Help You Choose

We look at your headcount, payroll budget, and how much administrative work you want to take on, then match you to the plan type that fits — not the one that’s easiest for us to sell. We also coordinate setup with your payroll provider so contributions flow correctly from day one.