Advisory Services
Retirement Planning for Business Owners
Tax-efficient retirement savings, Social Security and RMD strategy.
Is this you?
You have a 401(k) or an IRA and haven't looked at whether it's still the right fit in years.
You're not sure when to actually start claiming Social Security, or how much that choice is worth.
You're a business owner and never set up a retirement plan for yourself, only ever your team.
If any of those sound familiar, or call +1 (305) 819-3675.
Retirement choices compound for decades
The choices you make about 401(k)s, IRAs and when to claim Social Security have a compounding effect on your retirement income and your taxes for decades, and most people never sit down to model the tradeoffs before deciding.
Annually
Minimum recommended review cadence, plus any major life event
Why owners choose us for this
Tax strategy and retirement planning built together.
The order you draw from taxable, tax-deferred and tax-free accounts changes your lifetime taxes significantly. We integrate tax strategy into the retirement income plan instead of treating them separately.
Retirement plans for business owners, not just employees.
SEP-IRA, SIMPLE IRA and Solo 401(k) setup for the self-employed and business owners, accounts a standard employee retirement service doesn't touch.
Reviewed every year, not set once and forgotten.
Annual check-ins update your plan as your life, tax law and the market change, so drift gets caught before it compounds.
5.0 · 555 Google reviews of SMAART Company
What you actually get
A written retirement plan that integrates account strategy, investments and Social Security timing.
Ready when you are
How it works
- 1
Assess
Review your current savings, income, expenses and retirement goals.
- 2
Project
Model retirement income scenarios across different timelines and contribution levels.
- 3
Plan
Build a written retirement plan with account strategy, investment allocation and Social Security guidance.
- 4
Execute
Implement the plan, accounts, contributions, beneficiary designations and investment elections.
- 5
Review
Annual check-ins to update your plan as your life, tax law and market conditions change.
Included Services & Outcomes
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Questions
Retirement Planning FAQ
When should I start retirement planning?
Immediately, regardless of age. The earlier you start, the more you benefit from compounding. Even close to retirement, optimizing existing savings and Social Security strategy can significantly increase lifetime income.
What types of retirement accounts does SMAART advise on?
We advise on 401(k)s, Traditional and Roth IRAs, SEP-IRAs, SIMPLE IRAs and Solo 401(k)s for self-employed individuals and business owners.
How does tax planning relate to retirement planning?
Deeply. The sequence in which you draw from taxable, tax-deferred and tax-free accounts has a major impact on your lifetime taxes, we integrate tax strategy into your retirement income plan.
Does SMAART advise on Social Security?
Yes. We analyze your specific situation to advise on the optimal age to begin claiming Social Security benefits, which can significantly affect your total lifetime income.
How often should I review my retirement plan?
At minimum once a year, plus any time you experience a major life event, marriage, business sale, inheritance, career change or a decade milestone.
Put SMAART Advisors on your retirement planning
Book a free consultation. We'll review your situation, quote a fixed fee, and show you exactly what we'd do differently.