A connected reading path

I want to save more for retirement

Look at both sides of the decision: what the business can commit to and what your household needs to build.

Three priorities

Keep the first conversation focused.

Your reading path

One question leads to the next.

  1. 01

    Compare retirement plans for your business

    A company retirement plan is both an employee benefit and part of the owner's personal wealth plan. Choosing one means comparing contribution opportunities with employee costs, cash-flow commitments and administration. Start with the people and business you have today, then consider how hiring, profits and ownership may change.

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  2. 02

    Safe harbor 401(k): understand the commitment

    A safe harbor 401(k) uses a qualifying design to satisfy specified nondiscrimination testing requirements when its conditions are met. The employer makes required contributions and follows the relevant rules. It can make certain savings outcomes more predictable, but safe harbor does not mean the plan is free of administration, fiduciary duties or every compliance test.

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  3. 03

    Cash balance plans: commitments and tradeoffs

    A cash balance plan is a defined benefit pension plan that expresses a promised benefit as an account-like balance. It can be considered alongside other retirement savings arrangements, but it is not simply a larger 401(k). The decision depends on employee demographics, funding capacity, plan design and the owner's long-term goals.

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  4. 04

    Owner compensation: connect pay and priorities

    Owner pay connects two budgets: the company that needs working capital and the household that needs dependable income. A useful policy starts with the work you perform, the business structure and the cash the company can support. It then gives taxes, personal saving and irregular distributions a place in the same conversation.

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  5. 05

    Build wealth outside your business

    Your company may provide income, opportunity and a large part of your net worth at the same time. Building wealth outside it creates another source of financial flexibility. The starting point is deciding which money the business needs, which money the family may need soon and which money can serve longer-term goals.

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Leave with a next step.

Write down the decision, why it matters, who already helps you and the information still missing. Agree who will follow up and when.

Open the Business + Family ChecklistDownload the checklist

Your next step

Apply to meet a financial advisor.

Tell us about your business and priorities. We review your application for a possible introduction to a participating advisor. You decide whether to proceed.

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Content reviewed: October 20, 2026 · General education

Educational information only, not personal financial, tax, legal or insurance advice.