Certifications: QKA, CHSP
Insights
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Incorporating Your Business: Unlocking Retirement and Tax Advantages
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Scott DeCecchis
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Ana B. Garcia, CPA, MSA, CTP
Incorporating your business is more than a legal formality—it’s a strategic financial move that can influence your long-term growth, retirement security, and overall tax outcomes. The entity you choose and how you structure your compensation can open (or close) doors to significant tax savings and wealth-building opportunities. Retirement Plan Options for Incorporated Businesses When structured…
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SECURE 2.0 Roth Catch-Up Rule: What High Earners Need to Know Before 2026
Beginning January 1, 2026, a key provision of the SECURE Act 2.0 will take effect that reshapes how retirement plan catch-up contributions are handled. Known as the SECURE 2.0 Roth catch-up rule, this change will require anyone age 50 or older who earned more than $145,000 in wages from their employer in the previous year…
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Choosing the Right Fiduciary Support for Your Business’s Retirement Plan: 3(21) vs. 3(38)
As a business owner, managing your company’s retirement plan can feel like a balancing act. You want to offer a quality retirement plan to your employees while ensuring it meets regulatory requirements and stays competitive. One of the most important decisions you’ll face is selecting the right fiduciary support for your plan. The two primary…
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The 401(k) You Left Behind — Wealth Management and Financial Planning Strategies to Protect Your Future
If you’ve ever switched jobs (and most of us have), chances are you left a retirement account behind. Maybe you figured it’s best left untouched — or maybe you just forgot about it altogether. But rolling over your old 401(k) into your current employer’s plan or into an IRA might be one of the easiest…
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Choosing the Right Retirement Plan for Your Business: A Guide for Sole Proprietors
As a sole proprietor, planning for your retirement is a crucial step in securing your financial future. You’re in control of your business, but you also need to be smart about how you save for the long term. The good news is that there are several retirement plan options available, each with unique benefits. Some…
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