A Comprehensive retirement plan should include a complete review of your retirement plans and beneficiary designations in order to determine if tax saving opportunities are maximized.
We can help you choose and set up any retirement plan to optimize your tax saving potential. Some Retirement plans can help you defer hundreds of thousands of dollars in income.

Defined Benefit Plan
  • Can contribute 100% of average compensation for highest 3 consecutive years or $210,000.
  • May permit participant loans
401(k) Plan
  • Make annual salary deferrals up to $18,000 (2015 – 2017), plus additional $6,000 if 50 or older
  • Contribute up to an additional 25% of net earnings from self-employment up to $54,000 in 2016
Profit Sharing Plan
  • Contribute up to 25% of compensation or $53,000 in 2016
Money Purchase Plan
  • Contribute a fixed percentage of your income every year up to 25% of compensation
Simplified Employee Pension (SEP)

Contribute as much as 25% of your net earnings from self-employment up to $54,000 for 2016)

Savings Incentive Match Plan for Employees (SIMPLE IRA Plan)

You can put all your net earnings from self-employment in the plan up to $12,500 in 2016 plus $3,000 if 50 or older, plus a 2% fixed contribution or a 3% matching contribution.


If you are charitably inclined, strategic charitable gift planning can enhance your tax savings and overall opportunities available

  • Charitable Remainder Trusts- used for highly appreciated long-term property (stocks, real estate, etc). No gain is recognized upon the sale of the asset by the trust.
  • Charitable Lead Trusts - Can provide immediate income tax deduction while removing highly appreciated assets at a discount.
  • Charitable Remainder Annuity Trust - fixed income stream & income tax deduction. Can be used to sell highly appreciated asset and avoid capital gains tax.


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