{"id":3534,"date":"2022-02-09T18:42:47","date_gmt":"2022-02-09T22:42:47","guid":{"rendered":"https:\/\/www.incsight.net\/?p=3534"},"modified":"2026-07-08T18:45:11","modified_gmt":"2026-07-08T23:45:11","slug":"what-retirement-plan-options-are-available-for-my-business-in-2022","status":"publish","type":"post","link":"https:\/\/www.incsight.net\/blog\/2022\/02\/09\/what-retirement-plan-options-are-available-for-my-business-in-2022\/","title":{"rendered":"What Retirement Plan Options Are Available For My Business in 2022?"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section preset--module--divi-section--default\"><div class=\"et_pb_row_0 et_pb_row et_block_row\"><div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module preset--group--divi-text--divi-font-header--h1y3ko5--default preset--group--divi-text--divi-font-body--h19rs5u--default preset--group--divi-text--divi-font-body--h1yjkjr--default\"><div class=\"et_pb_text_inner\"><p>When it comes to retirement planning for small business owners there are a lot of options available which can be confusing.<\/p>\n<p>There is no one strategy that is perfect for everyone so our goal here is to give you an overview of what's available to help you make a decision on what you may want to implement in your business.<\/p>\n<p>We partner with Matt Ruttenberg and Life Inc Retirement Services so if you would like to get started on setting up a retirement plan you can email us or visit\u00a0their site\u00a0<a href=\"https:\/\/lifeincrs.com\/jetro\/\" target=\"_blank\" rel=\"noopener noreferrer\">here<\/a>.<\/p>\n<h1>What Is The Goal of A Business\u00a0Retirement Plan?<\/h1>\n<p>Before you think about putting a retirement plan in place you need to think about what your goal is by starting one as that will be a\u00a0starting point to the best option for YOU. Typically we say you fall into of these (or both):<\/p>\n<ul>\n<li>Employer looking for their own retirement or tax savings.<\/li>\n<li>Help recruit and retain high quality employees.<\/li>\n<\/ul>\n<h1>What Retirement Options Are Available On The Personal Side?<\/h1>\n<p>Both a Traditional IRA and Roth IRA are options that are available to you whether you are a business owner or not.<\/p>\n<ul>\n<li><span><strong>Traditional IRA<\/strong><\/span>\n<ul>\n<li>2022 Contribution Limits:\n<ul>\n<li>$6,000 (If 50 or older: $7,000)<\/li>\n<li>Starts to phase out at AGI of $68k (Single) or $109k (Married) if you are covered by a workplace retirement plan.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li><span><strong>Roth IRA<\/strong><\/span>\n<ul>\n<li>2022 Contribution Limits:\n<ul>\n<li>$6,000 (If 50 or older: $7,000)<\/li>\n<li>Starts to phase out at AGI of $129k (Single) or $204k (Married).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h1>What Retirement Plan Options Are Best For Businesses With No Outside Employees?<\/h1>\n<p>If you have no employees you will likely want to focus on one of the two options below.<\/p>\n<ul>\n<li><span><strong>SEP IRA<\/strong><\/span>\n<ul>\n<li>2022 Contribution Limits:\n<ul>\n<li>EmployER: $61,000<\/li>\n<\/ul>\n<\/li>\n<li>Allows the owner to contribute up to 25% of\u00a0their W2 income. If you are a sole proprietor, the maximum is 20% of net income.<\/li>\n<li>All contributions are pre-tax.<\/li>\n<li>Employee contributions are NOT allowed. (employer must do same amount of contribution as their own).<\/li>\n<li><a href=\"https:\/\/www.incsight.net\/2022\/03\/03\/what-is-a-sep-ira-and-solo-or-individual-401k\/\" target=\"_blank\" rel=\"noopener noreferrer\">Learn More Here<\/a><\/li>\n<\/ul>\n<\/li>\n<li><span><strong>Solo 401k (AKA Individual 401k)<\/strong><\/span>\n<ul>\n<li>2022 Contribution Limits:\n<ul>\n<li>EmployEE: $20,500 (If 50 or older: $27,000)<\/li>\n<li>EmployER: Maximum 25% Match<\/li>\n<li>Max Between Employee and Employer: $61,000<\/li>\n<\/ul>\n<\/li>\n<li>Will allow the owner to contribute 100% of\u00a0their income up to a certain point.<\/li>\n<li>Allows the company to match your contribution.<\/li>\n<li>Choice of Pre-tax or Roth Contributions.<\/li>\n<li><a href=\"https:\/\/www.incsight.net\/2022\/03\/03\/what-is-a-sep-ira-and-solo-or-individual-401k\/\" target=\"_blank\" rel=\"noopener noreferrer\">Learn More Here<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h1>What Retirement Plan Options Are Best For Businesses With Employees?<\/h1>\n<p>When you have employees outside of the owners you will want to look into the following options.<\/p>\n<ul>\n<li><span><strong>Payroll Deducted IRA<\/strong><\/span>\n<ul>\n<li>2022 Contribution Limits:\n<ul>\n<li>$6,000 (If 50 or older: $7,000)<\/li>\n<li>Same phaseouts of Traditional IRA and Roth IRA above.<\/li>\n<\/ul>\n<\/li>\n<li>Gives your company the feel of a retirement plan for your employees, even if you\u2019re not quite ready for a 401k.<\/li>\n<li>Allows your employees to contribute towards retirement straight out of their paycheck.<\/li>\n<li>Choice of Pre-tax or Roth contributions.<\/li>\n<li>Matching contributions from the employer are not required.<\/li>\n<li><a href=\"https:\/\/www.incsight.net\/2022\/02\/01\/what-is-a-simple-ira-or-payroll-deducted-ira\/\" target=\"_blank\" rel=\"noopener noreferrer\">Learn More Here<\/a><\/li>\n<\/ul>\n<\/li>\n<li><span><strong>SIMPLE IRA<\/strong><\/span>\n<ul>\n<li>2022 Contributions Limits:\n<ul>\n<li>EmployEE: $14,000 (If 50 or older: $17,000)<\/li>\n<\/ul>\n<\/li>\n<li>\u201cTurn-key\u201d matching and vesting options.<\/li>\n<li>Pre-tax contributions only.<\/li>\n<li>Your choice of employment qualification into the plan.<\/li>\n<li>No administration costs.<\/li>\n<li>Important Deadline: If you want to start a Simple IRA before the end of the year, there is a deadline of October 1st.<\/li>\n<li><a href=\"https:\/\/www.incsight.net\/2022\/02\/01\/what-is-a-simple-ira-or-payroll-deducted-ira\/\" target=\"_blank\" rel=\"noopener noreferrer\">Learn More Here<\/a><\/li>\n<\/ul>\n<\/li>\n<li><span><strong>Safe Harbor 401k<\/strong><\/span>\n<ul>\n<li>2022 Contribution Limits:\n<ul>\n<li>2022 Contribution Limits:\n<ul>\n<li>EmployEE: $20,500 (If 50 or older: $27,000)<\/li>\n<li>EmployER: Maximum 25% Match<\/li>\n<li>Max Between Employee and Employer: $61,000<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li>Allows the owner to maximize contributions without relying on high employee participation.<\/li>\n<li>\u201cTurn-key\u201d matching and vesting options for easy compliance testing.<\/li>\n<li>Both Pre-tax and Roth Options inside the plan.<\/li>\n<li>Important Deadline: If you want to start a\u00a0Safe Harbor 401k before the end of the year, there is a deadline of October 1st.<\/li>\n<li><a href=\"https:\/\/www.incsight.net\/2022\/02\/15\/what-is-a-safe-harbor-401k-or-qaca-safe-harbor-401k\/\" target=\"_blank\" rel=\"noopener noreferrer\">Learn More Here<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h1>What Advanced Retirement Planning Options Are Available?<\/h1>\n<ul><\/ul>\n<ul>\n<li>Type of defined benefit plan or pension plan that works best with solo-preneurs or employers with small teams.<\/li>\n<li>Cash Balance Plans are designed for the highly successful entrepreneur who want, or need, to save a lot more than a traditional 401(k) plan.<\/li>\n<li>Allows you to contribute up to $300k+ pre-tax while saving you over 6-digits in taxes.<\/li>\n<li>Basically you are layering a cash balance plan on top of a 401(k) plan &amp; profit sharing.<\/li>\n<li>Allows you to also recruit top candidates.<\/li>\n<li>Every single plan is different with a fully custom design and flexibility.<\/li>\n<li><a href=\"https:\/\/www.incsight.net\/2022\/02\/22\/what-are-some-advanced-retirement-plan-options-for-high-income-earners\/\" target=\"_blank\" rel=\"noopener noreferrer\">Learn More Here<\/a><\/li>\n<\/ul>\n<p>On our<span>\u00a0<\/span><a href=\"https:\/\/www.taxsavingspodcast.com\/tax\" target=\"_blank\" rel=\"noopener noreferrer\">Tax Minimization Program<\/a><span>\u00a0<\/span>monthly group training for January 2022 we did a deep dive into retirement strategies. If you are not yet a member there, I highly recommend you join as we touch on this topic yet so many more!<\/p>\n<p>As a reminder, we partner with Matt Ruttenberg and Life Inc Retirement Services so if you would like to get started on setting up a retirement plan (or just looking for a consultation) you can email us or visit\u00a0their site\u00a0<a href=\"https:\/\/lifeincrs.com\/jetro\/\" target=\"_blank\" rel=\"noopener noreferrer\">here<\/a>.<\/p>\n<ul><\/ul>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_row_1 et_pb_row et_block_row\"><div class=\"et_pb_column_1 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_code_0 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><iframe src=\"https:\/\/www.buzzsprout.com\/1837660\/9811495-what-retirement-plan-options-are-available-for-my-business-in-2022?client_source=small_player&iframe=true&referrer=https:\/\/www.buzzsprout.com\/1837660\/9811495-what-retirement-plan-options-are-available-for-my-business-in-2022.js?container_id=buzzsprout-player-9811495&player=small\" loading=\"lazy\" width=\"100%\" height=\"200\" frameborder=\"0\" scrolling=\"no\" title=\"Small Business Tax Savings Podcast, What Retirement Plan Options Are Available For My Business in 2022?\"><\/iframe><\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":3574,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rs_blank_template":"","rs_page_bg_color":"","slide_template_v7":"","footnotes":""},"categories":[32,40,56,52,39,55,36,51,33,48],"tags":[47,42,65,64,46,45],"class_list":["post-3534","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-accounting","category-banking","category-business","category-irs","category-operations","category-reimburse","category-small-business","category-tax-planning-strategy","category-taxes","category-year-end-strategies","tag-2021-tax-deductions","tag-blog","tag-capitalization","tag-depreciation","tag-small-business-tax-deductions","tag-tax-deductions"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Retirement Plan Options Are Available For My Business in 2022?<\/title>\n<meta name=\"description\" content=\"Planning ahead for 2022? 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