Small business Retirement plans
Helping You & Your Employees Build a Secure Financial Future
As a small business owner, you wear a lot of hats — but retirement plan administrator doesn’t have to be one of them.
At Future-Focused Wealth, we help business owners like you design, implement, and manage retirement plans that work — for both your business and your employees. Whether you’re self-employed or managing a growing team, we’ll help you find a plan that’s tax-efficient, easy to maintain, and aligned with your financial goals.
Not sure where to start? Let’s simplify your options together.
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Why Offer a Small Business Retirement Plan?
Offering a retirement plan isn’t just about saving for the future — it’s a smart business strategy that benefits everyone.
A well-designed plan helps you:
✔ Attract and retain talent — Competitive benefits keep great employees loyal.
✔ Reduce taxes — Employer contributions are typically tax-deductible.
✔ Build your own retirement savings — Because business owners deserve security too.
✔ Promote financial wellness — Empowering your team builds trust and loyalty.
Retirement plans aren’t just an expense — they’re an investment in your business’s future.
Popular Small Business Retirement Plan Options
We help you compare and customize plans based on your company size, goals, and budget — so you can make confident, informed decisions.
SEP IRA (Simplified Employee Pension)
Best for self-employed individuals or businesses with few employees.
✔ Easy setup & administration — minimal paperwork and no annual filings.
✔ Flexible contributions — adjust funding year-to-year.
✔ Employer-only contributions — fully tax-deductible.
✔ Immediate vesting — employees own 100% from day one.
Want to explore a SEP IRA for your business?
Let’s Discuss Your Options →
SIMPLE IRA (Savings Incentive Match Plan for Employees)
Best for small businesses with up to 100 employees seeking a simple, low-cost plan.
✔ Employee contributions — pre-tax payroll deductions.
✔ Employer matching — match up to 3% or contribute a flat 2%.
✔ Easy to manage — fewer admin requirements than a 401(k).
Looking for an easy, affordable retirement solution?
Let’s Build a SIMPLE IRA Plan →
SIMPLE 401(k): A Hybrid Option
Best for small businesses that want 401(k)-style flexibility without high administrative costs.
✔ Combines the simplicity of a SIMPLE IRA with the structure of a 401(k).
✔ Allows employer matching with lower compliance burdens.
✔ Offers tighter eligibility controls to limit participation if needed.
Not sure if a SIMPLE 401(k) fits your team?
Schedule a Review →
Choosing the Right Retirement Plan for Your Business
Each retirement plan has unique advantages, contribution limits, and tax rules.
The right plan depends on your goals, business structure, and employee demographics.
At Future-Focused Wealth, we help you:
✔ Compare plan options — Understand the pros and cons before you commit.
✔ Maximize tax efficiency — So your plan works for you and your bottom line.
✔ Implement & manage — From setup to ongoing support, we make it simple.
You focus on running your business — we’ll handle the strategy.
Let’s Build a Plan Together →
The Future-Focused Wealth Difference
We don’t believe in cookie-cutter plans — we believe in clarity, strategy, and purpose.
When you partner with us, you get:
✔ Personalized guidance from a fiduciary financial planner in Dallas.
✔ Integrated planning that connects your business and personal goals.
✔ Long-term partnership — not just setup, but ongoing support as your business grows.
Because helping your employees save for their future shouldn’t come at the cost of your own.
Let’s Build a Retirement Plan That Works for You
Your business and your team deserve a retirement plan that’s easy to manage, tax-efficient, and future-focused.
We’ll help you choose the right structure, design contributions that make sense, and set your business — and employees — up for lasting success.
Let’s make your retirement plan a win for everyone.
Start Planning Today →
1 Contributions are limited to 25% of an employee’s compensation or $61,000 for 2022.
2 $14,000 is the current maximum and the amount is indexed for inflation.
3 An employer may make less than the 3% contribution for two years out of five year period but it cannot be less than 1%