Services
Maximize your retirement contributions as a business owner. SEP IRAs allow contributions up to 25% of compensation, one of the most powerful tools available to the self-employed.
SECURE Act 2.0 created real cash tax credits for small businesses that start or improve a retirement plan. We identify what your business qualifies for and build it into your plan.
Build a retirement benefit that helps attract and retain your best employees while reducing your own tax exposure. We structure the right plan for your business size and budget.
Key-person insurance, buy-sell agreements funded with life insurance, and disability coverage that protects the business if something happens to you.
Beyond retirement accounts: entity structure optimization, timing strategies, and proactive tax planning that compounds over time.
Public pension payout elections are irreversible. We model every option (single life, joint and survivor, period certain) so you choose with full information, not a guess.
Make sure pension benefits, life insurance, and retirement accounts pass to the right people in the right way, coordinated across all your accounts.
Build personal wealth alongside your pension. We coordinate rollovers, Roth conversions, and supplemental savings strategies tailored to your pension income.
Turn a pension + savings portfolio into a reliable monthly income stream you can't outlive, accounting for healthcare costs, inflation, and taxes.
Disability income protection, life insurance to replace pension survivorship income, and long-term care planning. Coverage built around a public employee's specific risk profile.
Work alongside your estate attorney to make sure beneficiary designations, trusts, and retirement accounts all point in the same direction.