Retirement Plans For
Business Owners
Or speak with licensed agent at +1 (888) 599 5553
A Qualified Retirement Plan Helps You Build Retirement Wealth On A Tax-Deferred Basis
Are you a solo practitioner, independent contractor, or business owner with 1 to 10 employees? Can you afford to contribute a portion of your income for the next 5 years?
You May Qualify If...
Do you fit any of the categories below?
Your company may qualify if...
- You own an LLC, Partnership, Sole Proprietorship, S Corp, or C Corp
- Work as an independent contractor
- Earn a net profit on a Schedule C and pay self-employment tax
- Perform consulting or contracting work as a side business
- Freelance full-time

You Begin With Two Basic Plan Types
Choosing the right plan comes down to how much income you want in retirement and how much your business can contribute to the plan over the next few years.
Benefit
Plans
Why a Defined Benefit Plan?
Defined Benefit Plans (also known as “pension plans”) are relatively underutilized and often misunderstood.
These plans provide the largest possible retirement benefit and guarantees that you will receive a benefit in retirement. They let you plan backward by choosing the amount of income you want in your retirement years, then calculating the annual contributions needed to achieve that payout.
A Defined Benefit Plan could let you double or triple what you’d put away with a more traditional plan type, while offering several customization options and advantages.
Contribution
Plans
Why a Defined Contribution Plan?
Defined Contribution Plans, better known as 401(k) or Profit-Sharing Plans, are the most popular retirement plans offered by employers today. These plans are an easy way for employees to contribute towards and control how their contributions are invested.
Why a Defined Benefit Plan?
Maybe for you, supplier issues, staffing or equipment malfunctions keep you up at night. Or, perhaps it’s legal and regulatory changes that have you worried.
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Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia Curae; Donec velit neque, auctor sit amet aliquam vel, ullamcorper sit amet….
Why a Defined Contribution Plan?
Maybe for you, supplier issues, staffing or equipment malfunctions keep you uscp at night. Or, perhaps it’s legal and regulatory changes that have you worried.
We recognize that your business won’t fit into a one-sized-fits-all-solution. Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia Curae; Donec velit neque, auctor sit amet aliquam vel, ullamcorper sit amet ligula. Vestibulum ante ipsum primis in faucibus
Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia Curae; Donec velit neque, auctor sit amet aliquam vel, ullamcorper sit amet….
If you haven’t saved enough for retirement, you can make larger contributions later in your career to make up for lost time.
Adding a death benefit is not just a way to protect your loved ones in the event of your passing, it’s also a way to add life insurance to the policy with pre-tax dollars.
Contributions by your business to a Defined Benefit Plan are generally tax deductible.
Plan assets accumulate on a tax-deferred basis. No tax is paid until after retirement. This is a great benefit if you think you’ll be in a lower tax bracket when you retire.
A fully-insured Defined Benefit Plan option can offer a guaranteed retirement benefit that is not subject to the short-term fluctuations of the stock market.
The right mix of strategies can help you design a better plan that aligns your employees needs with your financial goals.
If you haven’t saved enough for retirement, you can make larger contributions later in your career to make up for lost time
The right mix of strategies can help you design a better plan that aligns your employees needs with your financial goals.
The right mix of strategies can help you design a better plan that aligns your employees needs with your financial goals.
The right mix of strategies can help you design a better plan that aligns your employees needs with your financial goals.
The right mix of strategies can help you design a better plan that aligns your employees needs with your financial goals.
A Defined Contribution Plan is subject to market exposure. An employee’s retirement benefit is dependent upon the performance of the plan’s investments.
An employee can control how their money is invested by selecting from a combination of stocks, bonds, mutual funds, and money market investments.
An employer may make contributions to a Profit-Sharing Plan, including matching a certain portion of its employees’ contributions to its 401(k) Plan.
A defined contribution plan is subject to market exposure. An employee’s retirement benefit is dependent upon the performance of the plan’s investments.
An employee can control how their money is invested by selecting from a combination of stocks, bonds, mutual funds and money market investments
What’s The Difference Between
A Defined Benefit Plan and a Defined Contribution Plan?
The primary difference between Defined Benefit Plans and Defined Contribution Plans is that with a Defined Contribution Plan, you contribute funds that will have an unknown benefit at retirement.
With a Defined Benefit Plan, the business entity contributes a specific amount of funds based on a set payout in retirement, so you know exactly what you will get in your retirement years.
No Matter Which Plan You Choose, You Will Still Enjoy These Retirement Saving Advantages...
Your business can make contributions to both types of plans. Depending upon the plan, contributions can be substantial.
There is no tax on plan assets, which allows contributions and earnings to compound at a faster rate.
Both Defined Benefit Plans and Defined Contribution Plans provide a meaningful benefit that can help you attract and retain experienced employees.
The right mix of strategies can help you design a better plan that aligns your employees needs with your financial goals.
Your business can make contributions to both types of plans, Depending upon the plan, contributions can be substantial.
The right mix of strategies can help you design a better plan that aligns your employees needs with your financial goals.
The right mix of strategies can help you design a better plan that aligns your employees needs with your financial goals.
The right mix of strategies can help you design a better plan that aligns your employees needs with your financial goals.
Get Your Plan Started in 5 Easy Steps
1
Gather
Complete questionnaires and estimate your plan contribution
2
Consult
Speak with a Retirement Planning Professional to review your needs
3
Propose
Receive a customized plan proposal for you and your stakeholders
4
Establish
Implement your new plan and complete all paperwork
5
Administer
Receive ongoing reporting and policy administration
Talk with an RMC Retirement Professional today
You can also speak with a licensed agent at +1 (888) 599 5553
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