Uploaded April 2026 | Updated September 2026, 3 weeks ago
Choosing the wrong retirement account for your business can cost you tens of thousands in unnecessary taxes. Most solo business owners should be looking at a Solo 401(k) over a SEP IRA for higher contribution flexibility and Roth options, while larger businesses may benefit from layering a cash balance plan on top of a traditional 401(k) to massively increase pre-tax savings. Don’t overlook the HSA for triple tax advantages or a brokerage account for flexibility and lower capital gains taxes. The right structure isn’t just about saving—it’s about keeping more of what you earn and building long-term flexibility.
Follow my page for clear, no-fluff financial planning steps!
Visit for more - wealthrb.com
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
#CFP #Financialplanner #retirement #retirementincome #IRS #retirementfinancialplanning
Choosing the wrong retirement account for your business can cost you tens of thousands in unnecessary taxes. Most solo business owners should be looking at a Solo 401(k) over a SEP IRA for higher contribution flexibility and Roth options, while larger businesses may benefit from layering a cash balance plan on top of a traditional 401(k) to massively increase pre-tax savings. Don’t overlook the HSA for triple tax advantages or a brokerage account for flexibility and lower capital gains taxes. The right structure isn’t just about saving—it’s about keeping more of what you earn and building long-term flexibility.
Follow my page for clear, no-fluff financial planning steps!
Visit for more - wealthrb.com
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
#CFP #Financialplanner #retirement #retirementincome #IRS #retirementfinancialplanning
