Your Business
Is Your Legacy.
Protect It Today,
Plan for Tomorrow.
As a small business owner or entrepreneur, you know your business isn’t just a source of income—it’s the result of years of effort, vision, and determination. A Small Business Retirement Plan is the perfect tool to protect that legacy, secure your retirement, and offer competitive benefits to your team.
What Is a Small Business
Retirement Plan?
It’s a tailored set of financial and insurance solutions designed specifically for business owners who want to:
Build a strong retirement fund
Protect their business from unexpected events
Offer valuable benefits that help retain key employees
- Roth IRA
- Traditional IRA
- SEP IRA
- Simple 401(k) Plans
- Cash value life insurance (IUL) for business owners.
- Key Person Insurance for essential team members
Key Benefits
for Your Business:
Living Benefits Protection
Life insurance options tied to these plans may include Living Benefits. If the owner or a key employee faces a serious illness, they can access part of the policy benefit to keep the business running during tough times.
Business Continuity
In the event of death, the plan ensures continuity by covering debts or supporting leadership transition—so what you built won’t be lost.
Protection for Key Employees
Safeguard your business by insuring key people. This reduces operational risk if someone vital is lost due to illness or passing.
Personal Financial Protection
Separate your personal and business assets. Smart planning prevents your family from inheriting business debt if you’re no longer around.
Access to Financing or Debt Support
Life insurance policies can serve as collateral for loans. Plus, accumulated cash value can support business expenses or obligations if needed.
Why Is This
a Smart Move?
- It gives you long-term financial control
- It protects your business and personal life
It offers tax advantages and future stability
Is This Plan
Right for You?
- Business owners with partners
- Entrepreneurs without traditional retirement plans
- Family businesses that want to protect their legacy
Frequently Asked Questions
About Small Business Retirement Plans:
Can I offer these plans to my employees?
Yes. Many options are flexible enough to include your team, helping improve loyalty and retention—especially for businesses with 1 to 50 employees.
Are these plans tax-deductible?
Yes. Most contributions are tax-deductible for the business owner and can grow tax-deferred until retirement.
What if I’m a sole proprietor with no employees?
There are plans just for you—like a SIMPLE IRA—that let you save for retirement without needing a large business structure.
Can I use life insurance as part of my plan?
Absolutely. Many business owners integrate IUL policies into their retirement strategy to accumulate cash value, protect the business, and access funds when needed.
“A smart business doesn’t just generate income—it protects itself, grows, and builds a lasting legacy.”