Employee Benefit & Retirement Planning

If you are a family business owner does a retirement plan for the business make sense for you?
Are you personally on track for retirement?
Is the plan you have now working for you or do you see it at best as a necessary evil?

An employee retirement plan can be a creative and effective way to recruit, reward & retain human capital - your employees.

When people think about retirement plans they think "401(k)", but there is a galaxy of other options that may align better with your goals.

Here are a few of the many plans that KLW Wealth is experienced with:


Profit Sharing Plans: Despite the name they have nothing to do with your company's profitability. They are fully discretionary. That means that you can choose which year to contribute to your and your employee's retirement funds.

Defined Benefit Plans: These may be ideal for a closely held company with consistent cash flow and owners who want to defer the maximum amount of pre-tax income.

 Non-Qualified Deferred Compensation: These plans can provide retirement benefits to an individual or a select group of valued executives only.

 SIMPLE IRAs: the "building blocks" for many company's first retirement plan.

 SEP-IRAs: Simplified Employee Pensions (SEPs) provide for employer contributions only. Usually there is minimum administrative cost and a minimum of moving parts.

 Employee Stock Option Plans (ESOPs): A business owner can use an ESOP to borrow money from a bank. ESOPs can create liquidity for the owner for business continuity planning.

 And of course, 401(k) plans.

Tell us where you want to go, we can help you get there.

start planning your financial future today

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