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The Retirement Plan Most Business Owners Are Missing
If you own a business, your retirement plan probably has one line in it: sell the company someday. But there's a whole set of owner-only plans that can shelter far more from taxes long before that sale, and most owners never set them up.
This episode walks through the four that matter: the SEP-IRA, the SIMPLE IRA, the Solo 401k, and the defined benefit or cash balance plan, with a sense of how much each lets you save in 2026 and who each one fits.
This episode covers:
- Why owners have two doors into retirement savings when employees have only one
- How the SEP-IRA and SIMPLE IRA work as low-maintenance starter plans
- What the Solo 401k lets you set aside as both employee and employer in 2026
- When a defined benefit or cash balance plan is worth a six-figure contribution
- Whether your income is steady enough to move beyond a starter plan
The best plan isn't the fanciest one; it's the one that fits your business now and keeps growing as you grow.
👉 Work with us at https://www.f5fp.com
About F5 Financial Planning:
At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.
At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.
Visit https://www.f5fp.com to learn more about our services and planning process.
*****
Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.
Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.
View all episodes
By Josh Duncan, CFP®If you own a business, your retirement plan probably has one line in it: sell the company someday. But there's a whole set of owner-only plans that can shelter far more from taxes long before that sale, and most owners never set them up.
This episode walks through the four that matter: the SEP-IRA, the SIMPLE IRA, the Solo 401k, and the defined benefit or cash balance plan, with a sense of how much each lets you save in 2026 and who each one fits.
This episode covers:
- Why owners have two doors into retirement savings when employees have only one
- How the SEP-IRA and SIMPLE IRA work as low-maintenance starter plans
- What the Solo 401k lets you set aside as both employee and employer in 2026
- When a defined benefit or cash balance plan is worth a six-figure contribution
- Whether your income is steady enough to move beyond a starter plan
The best plan isn't the fanciest one; it's the one that fits your business now and keeps growing as you grow.
👉 Work with us at https://www.f5fp.com
About F5 Financial Planning:
At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.
At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most.
Visit https://www.f5fp.com to learn more about our services and planning process.
*****
Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice.
Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.