Retirement Plans & Wealth Management

Build Wealth Today. Protect It for Tomorrow.

Name: Accounting Freedom, Ltd.
Price range: $$$

Most small business owners are so focused on running their business that planning for their own financial future gets pushed to "someday." We make it easy to do both — through a combination of business retirement plans and personal wealth management, coordinated alongside your accounting relationship.

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Retirement plans for small businesses Personal wealth management & investment advisory Coordinated with your accounting & tax strategy

Sound familiar?

Why Small Business Owners Put This Off

You've been saying "I'll get to it"

Between running the business and handling everything else, your own financial future keeps getting bumped. There's never a perfect time — but waiting costs you compounding years.

You're not sure what the right plan is

SEP-IRA? SIMPLE IRA? Solo 401(k)? Group plan? The options are confusing and the tax implications differ significantly. You need guidance, not a product pitch.

Your retirement plan and your taxes aren't coordinated

Retirement contributions are one of the most powerful tax planning tools available to business owners — but only if your advisor and your accountant are talking to each other.

You don't have a clear picture of where you stand

You're building a business, but do you know what it will take to step away comfortably? A plan without a number isn't really a plan.

What we offer

Two Services. One Coordinated Strategy.

Through Accounting Freedom and our partnership with Wealth Management LLC, a Registered Investment Advisor, we offer both business retirement plans and personal wealth management under one coordinated relationship.

Retirement Plans

For your business & your employees

We help you select, set up, and manage the right retirement plan for your business — one that maximizes your tax advantage while offering meaningful benefits to your team.

✓SEP-IRA — simple, flexible, high contribution limits

✓SIMPLE IRA — ideal for small teams with employer matching

✓Solo 401(k) — maximum contributions for owner-only businesses

✓Group 401(k) plans for businesses with employees

✓Plan design, setup, and ongoing administration

✓Coordinated with your tax strategy to maximize deductions

Wealth Management

For you personally

Personal financial advisory through our partnership with Wealth Management LLC — goal-based planning, investment strategy, and ongoing guidance tailored to where you are and where you want to be.

✓Goal-based financial planning

✓Investment portfolio management

✓Retirement income planning

✓Wealth protection strategies

✓Year-round advisory — not just an annual review

✓Coordinated with your business accounting & tax picture

Retirement plan options

Finding the Right Plan for Your Business

Not every plan is right for every business. Here's a quick overview — we'll help you choose based on your specific situation, goals, and tax strategy.

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SEP-IRA

Simple to set up, flexible contributions, and high limits — up to 25% of compensation. Great for self-employed owners and small businesses that want flexibility year to year.

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SIMPLE IRA

Designed for businesses with up to 100 employees. Lower contribution limits than a 401(k) but easier to administer, with required employer matching.

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Solo 401(k)

For owner-only businesses with no employees. Allows the highest contribution limits of any plan type — both as employee and employer.

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Group 401(k)

Full-featured retirement benefit for businesses with employees. Customizable vesting, investment options, and employer matching to attract and retain talent.

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Defined Benefit Plan

For high-income owners who want to shelter the maximum amount of income. Complex to administer but can allow significantly higher contributions than other plan types.

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Not Sure?

That's what we're here for. We'll review your business structure, income, and goals and recommend the plan that maximizes your benefit.

The integrated advantage

Why Having Retirement Planning Inside Your Accounting Relationship Matters

When your retirement advisor and your accountant don't talk, you leave money on the table. When they're coordinated, your strategy works as a whole.

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Maximize Tax Deductions

Retirement contributions reduce your taxable income. When your accountant and advisor are aligned, we time and size contributions to maximize your tax benefit each year.

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Plan Around Your Business Goals

Planning to grow, hire, or eventually exit? Your retirement strategy should reflect where your business is headed — not just where it is today.

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Owner Compensation Strategy

How you pay yourself — salary vs. distributions — directly impacts your retirement contribution limits. We help you structure compensation to optimize both.

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Year-Round Advisory, Not Annual Reviews

Your financial picture changes throughout the year. We stay engaged so your strategy adjusts when it should — not 12 months later.

Investments Provided Through Wealth Management LLC

Investment advisory services are provided through Wealth Management LLC, a Registered Investment Advisor. Our partnership allows us to offer clients a seamlessly coordinated experience — your accounting, tax strategy, and personal investments all aligned under one relationship.

Investments provided through Wealth Management LLC, a Nebraska LLC, Registered Investment Advisor. This information is not intended for use without professional advice. Investment returns are not guaranteed and past performance is not indicative of future results.

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Common questions

Retirement & Wealth Questions We Hear Often

When is the right time to set up a retirement plan? +

The honest answer is: earlier than you think. The compounding benefit of starting sooner is significant, and many retirement plan contributions must be made by year-end or tax filing deadline to count for that tax year. If you've been putting it off, the best time to start is now.

How do retirement contributions reduce my taxes? +

Contributions to SEP-IRAs, SIMPLE IRAs, and 401(k) plans are generally tax-deductible for the business. That means every dollar you contribute reduces your taxable income dollar for dollar — you're essentially building wealth with money that would have otherwise gone to the IRS.

Do I have to offer a retirement plan to my employees if I set one up? +

It depends on the plan type. A Solo 401(k) is only available to owner-only businesses with no employees. SEP-IRAs require you to contribute the same percentage for eligible employees as you do for yourself. SIMPLE IRAs require employer matching. We'll walk you through the implications before you choose.

What's the difference between a financial advisor and a wealth manager? +

Wealth management is a more comprehensive service that goes beyond investment advice to include tax strategy, retirement planning, and estate planning as a coordinated whole. Our partnership with Wealth Management LLC gives clients access to that full-picture approach — coordinated with their accounting relationship here.

Can I have both a retirement plan and personal wealth management through Accounting Freedom? +

Yes — and the combination is where clients get the most value. When your business retirement plan and personal investment strategy are coordinated with your accounting and tax planning, every piece reinforces the others. That's the integrated approach we offer.

Start Building Wealth That Lasts.

Whether you're setting up your first retirement plan or looking for a more comprehensive wealth strategy, we're here to help you get there — in a way that works with your business, not around it.

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Illinois: 847-949-8373 | Wisconsin: 262-375-2440