Tax strategy, retirement plan design, and the decisions business owners keep getting wrong because nobody explained them. No jargon, no filler, and real numbers wherever I can give them.
You picked a percentage during your first week and have not touched it since. That is not a personal failing — nobody teaches this. Twenty minutes of reading fixes most of it.
Read it →If your W-2 wages topped $150,000 last year, your catch-up contributions changed on January 1. And if your plan has no Roth option, they may have disappeared.
Read it →Most owners treat the company plan as an employee benefit and a cost. It is also the largest tax deduction most of them have access to.
Read it →It made sense when you set it up. Then the business grew and nobody revisited it. Here is the math on what that gap is worth.
Read it →When an S-corp election saves money, what a reasonable salary means, and the mistakes that trigger IRS attention. Written for Michigan owners.
Read it →A Solo 401(k) usually allows a larger contribution at the same income. Here is the math, the exceptions, and when a SEP still wins.
Read it →Salary, distributions, or both? How to set owner compensation that is defensible to the IRS and efficient for your taxes.
Read it →A fiduciary is legally required to act in your interest. What that means in practice, and the questions to ask before hiring anyone.
Read it →The moves that have to happen before December 31: retirement funding, Roth conversions, equipment timing, and loss harvesting.
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