401k, Safe Harbor, Profit Sharing and Cash Balance

We make it easy, we aim to help small business owners overcome regulatory challenges associated with offering retirement benefits.  The providers we use have a stress free, fiduciary friendly way of setting up a retirement plan for employees.  If you already have a plan, my team can potentially save you and your company across the board on fees.

Employee Stock Ownership Plans (ESOPs)

An employee stock ownership plan (ESOP) is an employee owner program that provides a company’s workforce with an ownership interest in the company. We work with specialized teams of attorneys, CPA’s, Banks and Business Valuation companies to determine feasibility and suitability.


To buy the shares of a departing owner: Owners of privately held companies can use an ESOP to create a ready market for their shares. Under this approach, the company can make tax-deductible cash contributions to the ESOP to buy out an owner’s shares, or it can have the ESOP borrow money to buy the shares.

To borrow money at a lower after-tax cost: ESOPs are unique among benefit plans in their ability to borrow money. The ESOP borrows cash, which it uses to buy company shares or shares of existing owners. The company then makes tax-deductible contributions to the ESOP to repay the loan, meaning both principal and interest are deductible.

To create an additional employee benefit: A company can simply issue new or treasury shares to an ESOP, deducting their value from taxable income. Or a company can contribute cash, buying shares from existing public or private owners.  Rather than matching employee savings with cash, the company will match them with stock from an ESOP, often at a higher matching level.

Succession & Retirement Planning

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