Owner(k) planning
Compare an owner-only 401(k) and other retirement-plan designs in the context of employees, compensation, cash flow, and goals.
Home Who we help
Business owners
Your business and personal tax life are one planning system.
Entity structure, compensation, retirement plans, equipment, benefits, real estate, succession, and an eventual sale all affect the owner personally. We help connect the operating details to the owner's longer-term financial plan.
Contact and availabilityWhat we coordinate
The questions are connected.
Entity & compensation
Coordinate wages, distributions, guaranteed payments, benefits, and retirement contributions.
Estimated taxes & cash
Connect business results, personal tax payments, working capital, and household liquidity.
QBI & PTET considerations
Evaluate applicable pass-through planning as part of the full federal and state picture.
Related businesses & real estate
Review rent, debt, improvements, ownership, reimbursements, and transaction documentation.
Succession & sale
Make current tax choices support clean records, transferability, valuation, and the owner's eventual exit.
Planning scenario
A profitable year that should change the owner's plan
A business owner expects a strong year and is considering equipment, bonuses, and a larger retirement-plan contribution. Each choice affects business cash, the owner's personal return, employees, and the company's attractiveness to a future buyer.
Questions to coordinate
- Which expenses are operationally justified?
- How should compensation and retirement savings interact?
- Does the decision support the eventual exit?
Free planning resource
The Owner(k) Planning Checklist
A business-owner guide to coordinating retirement plans, compensation, cash flow, taxes, and long-term goals.
Start the conversation
A better tax conversation starts with understanding the whole picture.
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