Retirement isn’t just about stepping away from work—it’s about planning for financial security, minimizing taxes, and building long-term wealth. Our CPA firm helps individuals, business owners, and professional service firms design and implement retirement strategies tailored to their goals, cash flow, and exit timelines.
One of the most powerful tools we recommend for eligible clients is the Defined Benefit (DB) Pension Plan—a strategy that offers significantly higher annual contributions and tax deductions than typical 401(k) or SEP IRA plans.
A Defined Benefit Plan is a qualified retirement plan that promises a fixed benefit at retirement, based on a formula tied to compensation, age, and years of service. It’s especially powerful for:
Depending on age and compensation, clients may contribute $100,000 to $300,000+ per year, all tax-deductible to the business.
Contributions grow tax-deferred, reducing current taxable income while accelerating retirement savings.
Can be used by solo business owners or selectively offered to a small team with tailored benefit structures.
DB Plans can be layered with a 401(k)/Profit Sharing Plan to maximize total retirement contributions.
We assess cash flow, income levels, and retirement goals to determine suitability and optimal plan parameters.
We work directly with third-party administrators and pension actuaries to ensure compliance and accurate funding targets.
Annual reviews to determine contribution levels, minimize taxable income, and coordinate with other deductions or retirement plans.
Strategies for rolling over DB plan assets upon plan termination or sale of the business—including converting to IRAs or purchasing annuities.
SEP & SIMPLE IRA setup for small businesses
Solo 401(k) strategies for independent contractors
Multi-plan strategy design for firms with diverse employee bases
Roth conversion timing and tax impact planning
Retirement distribution strategies (RMDs, early withdrawal considerations)
Retirement planning is more than just saving—it’s about designing a tax-smart strategy that supports your life now and in the future. Whether you’re just getting started or looking to maximize deductions before retirement, we’re here to guide you every step of the way.
