Your Retirement Plan Should Work
as Hard as You Do.
If you own a business in Scottsdale or anywhere in Arizona, your 401(k) or retirement plan should be doing more than checking a box. Done right, it's one of your best tools for saving on taxes, keeping great employees, and building real wealth for yourself.
A Retirement Plan That Works for You -- Not Just Your Employees.
Here's something a lot of business owners don't realize: when you sponsor a 401(k) or qualified retirement plan, you take on a real fiduciary obligation. You're personally responsible for picking the right investments, watching the fees, and making sure everything stays on the right side of ERISA rules. It's a bigger deal than most people think -- and the consequences of getting it wrong can be serious.
That's where I come in. I help business owners design, set up, and manage retirement plans that do three things at once: attract and hold onto your best people, maximize tax-advantaged savings for you as the owner, and keep your fiduciary risk as low as possible. Every plan we build is shaped around your specific business, your team, and your personal financial goals.
From picking the right plan structure to keeping up with compliance, educating your employees, and curating the investment menu -- we handle all of it. You focus on running your business. We'll make sure the plan is running right.
Here's what we take care of:
- Plan design that fits your goals -- 401(k), profit-sharing, cash balance, or defined benefit, tailored to what makes sense for your business
- Ongoing fiduciary oversight -- compliance monitoring, documentation, and ERISA management so you can sleep at night
- A solid investment menu -- we select quality funds and review them regularly to make sure they're earning their spot
- Employee education -- enrollment help, contribution guidance, and financial wellness resources for your team
- Connecting your business plan with your personal wealth strategy -- so both sides work together instead of in separate silos
- Rollover and transition planning -- IRA rollovers, Roth conversions, and distribution sequencing when you retire or sell the business
All retirement plan services are subject to applicable regulations. Past performance does not guarantee future results.
Why Your Business Plan and Personal Plan Need to Talk to Each Other.
Most business owners have their company retirement plan in one corner and their personal investments in another. The 401(k) goes through one provider. Personal wealth is managed by a different advisor -- or maybe nobody at all. What you end up with is a patchwork where your contributions, investment mix, tax strategy, and retirement timeline never really line up.
We do things differently. By tying your 401(k) or qualified plan directly into your personal wealth plan, we can fine-tune how much you're putting in, where that money is invested, and how it connects with your taxable accounts, real estate, and any future liquidity events. If you're heading toward selling or transitioning your business, this coordination matters even more -- the rollover decisions you make at exit can have six- or seven-figure tax consequences.
Whether you're starting a new plan for a growing company, restructuring an existing one to get more into your own account, or getting ready for a business exit that involves rolling over significant retirement assets, we bring it all together. Business owners in Scottsdale and across Arizona trust our team with this because we understand both sides of the coin -- the business and the personal.
Questions We Get About 401(k) & Retirement Plans.
What is the difference between a 401(k) and a qualified retirement plan?
A 401(k) is actually one type of qualified retirement plan. The broader category also includes profit-sharing plans, cash balance plans, and defined benefit pensions. Each one has different contribution limits, tax perks, and flexibility in how you design it. The best fit depends on your business size, how your cash flow works, and what you want your own retirement to look like.
What is fiduciary responsibility and why does it matter for my 401(k)?
When you sponsor a retirement plan, you're legally on the hook to act in the best interest of everyone in that plan. That means picking and watching investments, keeping fees reasonable, and staying on top of ERISA rules. If something goes wrong, you could be personally liable. Working with a fiduciary advisor like our team means you have someone sharing that responsibility with you -- and making sure nothing falls through the cracks.
Can you help coordinate my company 401(k) with my personal wealth strategy?
This is honestly one of the most valuable things we do. Most business owners have their company plan over here and their personal investments over there, and the two never talk to each other. We bring them together into one coordinated game plan -- so your contributions, tax positioning, investment mix, and eventual rollover strategy all work in sync.
What happens to my 401(k) when I sell my business or retire?
When you step away from the business, your 401(k) money can go several directions -- rolled into an IRA, converted to a Roth IRA, or taken as a distribution. Each option has very different tax consequences. We help you think through this well ahead of time so the transition is smooth, the taxes are minimized, and everything lines up with your bigger retirement income picture.
These Go Hand in Hand.
Let's Make Sure Your Plan Is Actually Working for You.
Whether you need a new retirement plan, want to fix one that's not performing, or need to connect your 401(k) with your personal finances, we're here to help. Grab a time for a relaxed conversation with our team in Scottsdale or Tempe.