Small Business Retirement Planning

Are you a business owner looking to:

At AP Wealth, we understand the challenges you face as a business owner. We recognize that ​​your business and personal finances can be tightly meshed. We will partner with you to create a comprehensive plan that factors in everything you’re facing, and everything you’re trying to build, preserve, and pass on to your successors and heirs.


A Small Business Retirement Plan is a great tax-advantaged way for employers to bolster their own retirement while offering a key benefit to their employees. Running your business is a full-time job. By hiring an advisory team with specialized knowledge in this area, you’ll be able to spend less time administering your plan, and more time doing what you do best – growing your business!

Benefits of having a Small Business Retirement Plan

Wealth Building for Owners


Tax-Deductible Contributions

Increased Employee Retention

Enhanced Employee Satisfaction

Small Business Retirement Plan Options

401(k) Plans

A 401(k) plan is a company-sponsored retirement account to which employees can contribute. Employers may also make matching contributions. There are lots of ways to structure a 401(k) plan. We will help you navigate all the options such as Safe Harbor provision, Roth, Traditional, discretionary and non-discretionary matching, vesting schedules, loan provisions, in-service withdrawal provisions, and more. We help business owners review existing 401(k) plans for ways to optimize an existing plan, or to help owners implement a new plan.

Profit-Sharing Plans

In addition to a 401(k) plan, many small businesses also have a profit-sharing plan. A profit-sharing plan is a type of plan that gives employers flexibility in designing key features. It allows the employer to choose how much to contribute to the plan (e.g., out of profits or otherwise) each year, including making no contribution for a year. Many business owners use this type of plan to reduce taxes after a good year.

Cash Balance Plans/Defined Benefit Plans

On top of 401(k) and profit-sharing plans, a Cash Balance Plan can turbocharge a business owner’s retirement savings. It is a defined benefit plan that specifies both the contribution to be credited to each participant and the investment earnings to be credited based on those contributions. Each participant has an account that resembles those in a 401(k) or profit-sharing plan. Business owners can put hundreds of thousands of dollars a year into these plans.

SIMPLE IRA Plans (Savings Incentive Match Plans for Employees)

A SIMPLE IRA plan provides employers with smaller employee headcounts a simplified method to contribute toward their employees’ and their own retirement savings. Employees may choose to make salary reduction contributions and the employer is required to make either matching or non-elective contributions.

SEP Plans (Simplified Employee Pension)

A Simplified Employee Pension (SEP) is an individual retirement account (IRA) that an employer or a self-employed person can establish. The employer is allowed a tax deduction for contributions made to a SEP and makes contributions to each eligible employee’s plan.

Our Process

Your situation is unique. Your business is unique. So, we tailor our plans to fit your specific needs and goals.
Your advisors for small business retirement plans

Many small business owners aren’t aware of their duties as a 401(k) plan sponsor. Having an advisory team that specializes in working with small business retirement plans can provide tremendous value – including more than just investment selection and monitoring. By working with AP Wealth Management, you will have

Part of our responsibility is to provide sufficient information to you and your employees so you can make informed decisions. We are available to talk to your employees to help with decisions on investment options, risk considerations, potential returns, fees, and charges. Studies have shown that providing investment education and advice can increase the rate-of-return for participants. Better informed employees make better investment decisions and, in turn, a healthy and financially fit workforce to keep your business growing.


AP Wealth Management is compensated based on a percentage of assets under management (AUM) with a minimum annual fee. As an independent, fee-only firm, we do not receive commissions for the sale of financial products and we do not receive any payments from the third-party plan administrator. The third-party plan administrator is separately compensated based on a fee per participant and a percentage of assets under management with a minimum annual fee.


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