Small Business Retirement Plans & Financial Planning | Maryland

Financial Planning for Small Business Owners in Maryland

As a business owner, you're balancing two priorities: building a company that attracts and retains great people, and building personal wealth for your family's future. Those goals are connected - the retirement plan you offer employees directly impacts your own retirement savings and the decisions you make about your business shape your personal financial strategy. We help you navigate both: establishing right-sized retirement plans that benefit your team without overpaying for unnecessary features, managing the investment strategy within those plans, and coordinating your personal financial planning with your business goals.

How We Help

Business Owners

We work with business owners in two ways: helping you establish and manage retirement plans for your company, and coordinating your personal financial strategy with your business decisions.


On the business side, we help you build retirement plans that actually work, with plans that are right-sized for your team, competitively priced, and structured to maximize your own retirement contributions. We're not tied to specific plan providers, which means we can evaluate options from multiple carriers and bring you honest recommendations based on what fits your situation.


On the personal side, we help you coordinate your broader financial picture with investment management, insurance protection, estate planning, and succession strategy, while factoring in the reality that your business is likely your largest asset. Whether you're years away from an exit or just starting to think about what comes next, we help ensure your personal wealth strategy accounts for your business goals and timeline.

Woman in glasses and a tan blazer, holding a laptop, near a window with blinds.

Establishing Competitive Retirement Plans for Your Business

Woman in red dress smiles while working on a laptop at a white desk in an office.

Attracting and retaining talent means offering competitive benefits, but as a small business owner, you need retirement plans that don't drain your budget or create administrative headaches. More importantly, you need a plan that works for both your employees and helps maximize your own retirement savings.

What we help with:

We help you choose the right plan type (401(k), Safe Harbor 401(k), SEP IRA, Solo 401(k)) and design features that align with your goals: matching formulas, vesting schedules, automatic enrollment, and contribution limits that maximize your own savings while staying competitive for employees.



We evaluate recordkeepers and investment platforms to find the right combination of service and technology. Clear fee structures, ongoing benchmarking, and no hidden surprises.




We coordinate plan recordkeeping, enrollment processes, compliance reporting, and Form 5500 filing so you can focus on running your business. We also provide co-fiduciary services that reduce your personal liability while ensuring proper plan oversight.



We build and monitor the investment menu for your plan, ensuring employees have quality options while meeting fiduciary standards. The investments in your company's plan get the same intentional oversight we bring to personal portfolios.

Your employees receive enrollment assistance, investment education, and ongoing support to help them make confident retirement decisions. Better engagement means better outcomes for your team and a more valuable benefit for retention.



 Coordinating Your Personal Wealth Strategy

Your business is likely your largest asset, but it shouldn't be your only strategy for building wealth or the sole determinant of your financial security. We help you coordinate your personal financial planning with your business ownership, ensuring you're building wealth both inside and outside your company.

Investment Management

We manage your personal investment accounts with the understanding that your business represents a significant concentration of your net worth. That means building diversified portfolios outside the business, coordinating investment strategy across all your accounts, and helping to ensure your personal investments aren't duplicating the risk you already carry as a business owner.

Estate Planning Coordination

Business ownership adds complexity to estate planning: how ownership transfers, how the business is valued, and how your estate plan protects both your family and your business partners. We work alongside your attorney to ensure your estate plan accounts for business succession, protects your family's interests, and coordinates with any buy-sell agreements or partnership structures you have in place.

Insurance & Risk Management

Protecting your family means coordinating both personal and business insurance needs. We help evaluate life insurance, disability coverage, and liability protection, ensuring your family is protected if something happens to you, and your business partners are protected if something happens to them.

Succession & Exit Planning

Whether you're planning to pass the business to family, sell to employees, exit to a strategic buyer, or continue working for decades, having a clear succession timeline protects your business value and personal wealth. We help you think through exit options, coordinate with your personal financial goals, and help ensure your wealth strategy accounts for your eventual transition out of the business.

Resources for Business Owners

Explore resources designed to help you make informed decisions:

Educational Workshops & Events

Join our workshops covering retirement plan options, and fiduciary responsibilities.

Financial Planning Insights Blog

Read articles on retirement plan design, succession planning, and wealth coordination.

Free Financial Planning Guides

 Access our resource library organized by goals: financial security, growth, retirement, and legacy.

Let's Start the Conversation.

You've built a business—now let's make sure your retirement plan and personal wealth strategy are working just as hard as you are.


Schedule a complimentary consultation to discuss your situation, explore your retirement plan options, and see how we can help coordinate your business and personal financial goals. No pressure, simply an honest conversation about what makes sense for you and your team.

Wondering what deserves your attention first?

Take our 60-second quiz to identify your top financial priority.

FAQs

Frequently Asked Questions

  • What retirement plan options do you help businesses establish?

    We work with all retirement plan structures: traditional 401(k), Safe Harbor 401(k), Solo 401(k), SEP IRA, SIMPLE IRA, and Cash Balance Pension Plans. We'll recommend the structure that best fits your business size, budget, and objectives, both for your employees and for maximizing your own retirement savings.

  • How does your fee structure work for business owners?

    We use a hybrid fee model. For retirement plan services, fees are typically structured based on plan assets or as a flat fee depending on plan size and complexity. For personal financial planning services, we work on either a fee-for-service basis (project-based or ongoing engagements) or an assets-under-management fee for clients with established investment portfolios. We provide clear fee proposals upfront, no hidden costs.

  • Do you provide services to the business itself, or just to me personally?

    We provide two distinct services: retirement plan establishment and management for your business, and personal financial planning for you as the business owner. We don't act as your company's CFO or manage business operations, we help you coordinate your personal wealth strategy with your business ownership and establish retirement benefits that work for both your team and yourself.

  • What makes you different from other advisors who work with business owners?

    We're independent, not tied to specific plan providers or product companies. That means we can evaluate retirement plan options from multiple carriers and bring you honest recommendations based on what fits your situation, not what pays us the highest commission. We also bring the same intentional, education-driven approach to business owners that we bring to all our clients: clear guidance, transparent fees, and a focus on helping you understand your options so you can make confident decisions.

    Schedule Your Consultation