Small Business Owners

Many small business owners seek proactive tax reduction strategies from their advisors, as well as help in building a solid retirement and exit strategy for their business.

If you are a successful business owner looking to:

  • Significantly reduce or zero out your state and federal taxes
  • Make tax-deductible contributions to your retirement in the hundreds of thousands of dollars annually
  • Creditor-protect your retirement savings from lawsuits and judgments
  • Accelerate the growth of your retirement savings without aggressive investment risk
  • Pay for the high cost of medical expenses in retirement with tax-free money
  • Exit your business with a tax reduction strategy for the sale of your business
  • Meet the new retirement employee mandates while controlling costs
  • Tax deduct and save far more than 401(k)s, SEPs, and Simple plans’ maximum limits
  • Qualify for the elusive QBI 20% tax deduction in most cases

Then, a custom-designed Designer DB Plus® plan may be right for you.

The Designer DB Plus® Retirement Plan* offers a powerful solution for successful small business owners by providing some of the largest tax-deductible contributions allowed by law. These contributions can range from $61,000 to $1,000,000 annually, with the flexibility to adjust contributions during lean years to accommodate company cash flow.

By combining a defined benefit plan, such as a Cash Balance Plan, with the portability and flexibility of a defined contribution plan, small business owners can achieve significant tax savings while rapidly building a multimillion-dollar retirement account.

Our team of specialists designs highly efficient, customized combination plans tailored to small business owners. These plans maximize qualified plan benefits while controlling employee costs. Additionally, these plans offer a “tax trifecta” with the inclusion of a Post-Retirement Medical Expense Reimbursement Account, which can accumulate up to $632,000 tax-free for post-retirement medical expenses. With healthcare costs on the rise, no retirement plan should be without this critical benefit!

  1. Contribution is Tax Deductible
  2. Growth on Principal Grows Tax Deferred
  3. The funds are taken out tax-free to reimburse health, medical, and Long term care expenses in retirement.