Financial Engineering for Business Owners Approaching Retirement
Your business, taxes, retirement plan, investments, insurance, and estate decisions should work together.
The problem is they are often handled separately.
Financial Engineering helps business owners approaching retirement connect those pieces before gaps, tax surprises, or missed opportunities become expensive.
Align the Pieces Before They Cost You
Start With a Planning Review
No major preparation is needed.
The first step is a short conversation about how your business, tax, retirement, investment, and wealth decisions are currently being handled.
What the Review Looks At:
Wealth Tax Planning
Coordinate business, personal, retirement, investment, and estate decisions so more wealth stays under your control.
Retirement Plan Architecture
Review your retirement plan for tax strategy, plan design, fees, fiduciary responsibility, payroll coordination, and employee support.
Governance Review
Get a second set of eyes on whether your current financial structure is clear, documented, and working the way you assume it is.
People Ops Architecture for Growing Companies
CPA-Led Governance for Payroll, Retirement Plans, and Employee Benefits
Financial Engineering helps organizations design and coordinate the financial systems behind their workforce operations.
Benefits plans can be complex.
We take on that complexity, redesign where needed, and make it clear for you and your employees.
Designed for 50+ employee companies seeking structural stability, compliance clarity, and executive alignment.
Once You Pass 50 Employees, Complexity Increases
Late 401(k) deposits.
Recurring testing failures.
Executive contribution limits.
ACA coordination pressure.
HAVE A RETIREMENT PLAN - 401K, 403B, PENSION...
Proactive Financial Actions
Does a retirement plan really make sense? It did for this business owner!
WHAT I DID – A business owner had a high-income level & wanted to reduce taxes. I set up a profit-sharing plan and this created a $67,000 deduction. The owner and family employees received most of the funding because of the employer and employee makeup. Net cost savings of about $15,000.
Set It and Forget It Doesn’t Work BUT
It’s Out There
WHAT I DID – A lady business owner had an investment portfolio that she didn’t understand, had high advisor fees & the advisor never spoke with her after signup, really! She asked “Ken, What’s going on with my investments?” We changed her investments so she understands them. Now I speak with her a couple of times a year and my reduced fee level which will save her $10,000 over the next 7 years.
Communication Gaps & OverLaps
Wouldn’t it be nice if your CPA and Financial Advisor spoke the same language and were on the same page?
Well, I can because I can cover both rolls! I found out quickly that accounting-tax and investment-finance terminology doesn’t always agree even though it seems like they should. It’s not required that I prepare your taxes and finances but it certainly helps. Either way, there are less Gaps and Overlaps when you understand both sides.
Paying Attention, Asking the Right Questions and LISTENING
WHAT I FOUND – A business owner had a truck worth about $27,000 that wasn’t deducted on his tax return. Apparently, the prior accountant didn’t see the purchase because he bought it before starting his business. He also used his property to operate his business from but rent and building deprecation weren’t deducted either. So, I amended his prior year tax return resulting in tax savings of about $12,000.
Auditing wasn’t All Bad – Retirement Plans
In the past, I’ve prepared audited financial statements for large employer 401K plans to meet the DOL requirement. I leveraged this knowledge with my CPFA designation. Now, I provide 401k plan advisor guidance to employers because they want to help their employees retire.
Let’s create a plan that’s
“Geared to Strengthen your Future.”
New Jersey Business Owners
YOU HAVE TWO CHOICES:
PAY TAX AND COMPLAIN ABOUT IT
OR
SAVE TAX AND BRAG ABOUT IT
( Individual results will vary )
I help New Jersey Business Owners Maximize their Wealth using Advanced Tax & Financial Strategies for both their Business & Personal Finances. Learn about our corporate financial planning strategies.
FINANCIAL PLANNING
Grow Old and Be:
Tired
or
Retired
Save Yourself by Saving Yourself
RETIREMENT PLANS
Renew
Your
401K Plan's
Purpose
401k Planning Services
401k INVESTMENTS
Learn to
"Take Control of
Your 401K"
401k Investment Advice