Can I Retire Now?

Small Businesses, Big Retirements: Choosing the Right Plan (Ep. 31)

Nick J. Russell, CRPC® & Becky Wagoner

Running a business means wearing many hats, but retirement planning doesn’t have to get lost in the shuffle.

In this episode, Nick Russell and Becky Wagoner unpack retirement savings strategies designed for small business owners and entrepreneurs. From SEP IRAs to solo 401(k)s, they explain how different plans work, who they’re best suited for, and why offering retirement options can help retain employees. They also share real-life examples and discuss how flexibility is key as your business grows and changes.

Key points:

  • The differences between SEP IRAs, SIMPLE IRAs, solo 401(k)s, and traditional 401(k)s
  • Contribution limits, tax considerations, and setup costs for each type of plan
  • How retirement benefits improve employee retention and reduce turnover costs
  • Why small business owners shouldn’t rely solely on selling their business as a retirement strategy
  • Practical advice on evolving your plan as your income and number of employees grow
  • And more!

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