Choose an Owner Retirement Plan With the Employee Cost Included
Compare the entire employer commitment, not just the owner’s deduction.
TOPIC COLLECTION
Retirement planning
A focused reading path from Owner Pay Review. Start with the question closest to your situation, then review the linked sources and documentation steps.
Hiring the First Employee Changes the Owner-Only Retirement Plan Conversation
Review eligibility and plan administration before a new hire starts accumulating service.
Owner Wages and Retirement Illustrations Must Use the Same Compensation Facts
Reconcile the plan proposal with payroll before relying on a projected contribution.
SEP or Employer 401(k): Compare the Full Employee Budget
Evaluate flexibility, employee costs, payroll work, and owner contributions using one consistent census.
A Cash-Balance Plan Proposal Needs a Multi-Year Funding Stress Test
Review actuarial obligations, employee benefits, investment assumptions, and downturn liquidity before adopting.
Retirement Funding Reached the Account, but Was It Posted to the Correct Year?
Reconcile the approved contribution type and plan year with the recordkeeper’s actual posting.