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When it comes to retirement savings, many small business owners miss an excellent opportunity, while in their best earning years, to accumulate assets tax-deferred. As a result, many arrive at retirement age without enough savings to maintain the lifestyle they’re accustomed to. Often, the business owner hopes to sell the business and “cash out” for retirement—but more often than not, the business is worth less in the marketplace than the owner expects.

Krum Insurance & Financial Services, LLC strongly urges every business owner to take action in creating tax-advantaged retirement savings for the future. We highly recommend that you evaluate the possibilities and seek out the option that creates the best outcome for you and your employees. A solid retirement plan adds value to your company and helps you retain good employees.

Company-sponsored retirement plans include 401(k), SIMPLE IRA and SEP IRA. Each has a different set of rules, regulations, and reporting requirements; and they all have different maximum contribution levels. Mike Krum has experience across all segments of company-sponsored retirement plans, employee retention programs, financial planning, and estate planning, making him uniquely qualified to help you sort through the possibilities and make proper choices.

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