Retirement Plans

Maximize your earnings by contributing to a tax-sheltered retirement plan. I can partner with you and your tax professional to ensure you optimize your tax-sheltering opportunities. Whether you're an individual investor or a business owner, I have a retirement plan tailored to your needs.

Ready to take the next step? Schedule a complementary consultation with me to explore how a tax-sheltered retirement plan can benefit you.

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Personal Retirement Accounts

If you or your spouse have earned income, you may be able to contribute to a Traditional or Roth Individual Retirement Account (IRA). Traditional IRAs offer tax-deductible contributions and tax-deferred growth, while Roth IRAs provide tax-free withdrawals in retirement.

Navigating Required Minimum Distributions (RMDs) can be complex. Whether your IRA is for your retirement or a wealth transfer tool, I can help you manage it effectively.

Let’s work together to create a retirement plan that meets your needs.

Traditional IRA

If eligible, you can make tax-deductible contributions and enjoy tax-deferred growth. However, you'll pay taxes on withdrawals in retirement and must take Required Minimum Distributions (RMDs) starting at age 73. Your beneficiaries will also pay taxes on their distributions.

Roth IRA

After-tax contributions grow tax-free. If you have a high income, consider the backdoor Roth contribution strategy. Roth conversions can also help you move funds from a Traditional IRA to a Roth IRA.

Additional perks: No Required Minimum Distributions (RMDs) and tax-free distributions for your beneficiaries.

Business Retirement Accounts

As a business owner, you have a variety of options for tax-sheltered retirement savings. These plans can be tailored to fit your specific needs, whether you run a business without employees or have a team of employees to consider. Some plans allow for higher contributions but may be more complex to manage. I can partner with you and your CPA to determine the best solution for you and your business.

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Can I Create a Roth if I’m Over the Income Limit?

Use this article to start conversations about the “backdoor” Roth IRA strategy.

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Choices for Your 401(k) at a Former Employer

Individuals have four basic choices with the 401(k) account they accrued at a previous employer.

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Retirement Plan Choices for Small Businesses

Retirement choices can feel intimidating. Choosing the right strategy can make all the difference.

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