Small Business Retirement Plans
Small Business 401(k) & Retirement Plans in Plano
Why Have a Retirement Plan?
Build Wealth and Reward Your Team
The right small business 401(k) in Plano offers major advantages for both you and your employees. For business owners, contributions reduce taxable income and create personal, tax-deferred savings. For employees, it’s a valued benefit that strengthens retention and morale.
Cremé Wealth helps Texas business owners choose and implement plans that fit their size, goals, and budget—whether you’re a solo entrepreneur or leading a growing company. We’ll also help you take advantage of available tax credits for starting a plan and ensure your contributions align with your long-term financial strategy.
Choosing the Right Retirement Plan for Your Business
No two businesses are the same, and neither are their retirement needs. Cremé Wealth works with clients to select and structure plans that balance simplicity, flexibility, and cost.
SEP IRA
Ideal for self-employed individuals or small businesses. High contribution limits, easy administration, and employer-only funding.
SIMPLE IRA
Perfect for companies with fewer than 100 employees. Affordable, straightforward, and a great starter plan for growing firms.
Solo 401(k)
Designed for one-person businesses or couples who both work in the company. Allows higher contributions and includes Roth options.
401(k) with Profit Sharing
Best for companies ready to offer competitive employee benefits. Options include matching contributions and customizable plan features.
Our Role in Retirement Plans
Guidance from Setup to Management
Cremé Wealth helps business owners evaluate which retirement plan makes the most sense, then guides them through setup with a trusted third-party administrator or provider. Once the plan is established, we assist with investment selection and ongoing management—making sure it integrates smoothly into your personal financial plan.
Our advisors coordinate with your CPA or bookkeeping partner to ensure contributions, tax reporting, and cash flow all stay aligned with your broader business goals.
Employee Education & Support
Help Your Employees Plan Confidently
Offering a retirement plan is only half the equation—helping employees understand and use it effectively is just as important. Cremé Wealth provides educational support so your team knows how to make informed contribution and investment choices.
For owners, this means less administrative stress and greater employee satisfaction. With an experienced advisor overseeing plan education, participation often increases, helping employees and employers alike build stronger futures.
Questions About Setting Up a Plan?
What retirement plan is best for a small business?
That depends on your company size and goals. Solo 401(k)s and SEP IRAs work well for self-employed individuals, while SIMPLE IRAs and full 401(k)s fit larger teams.
How much can I contribute?
SEP IRAs allow up to 25% of compensation (up to IRS limits), while Solo 401(k)s combine employee and employer contributions for higher savings potential.
Can I add my spouse to my Solo 401(k)?
Yes, as long as your spouse earns income from the business, they can participate in the plan.
What are the costs to set up a 401(k)?
Plan setup fees vary, but small businesses may qualify for startup tax credits that help offset costs.
Secure Your Future and Theirs
Invest in Your Business and Your People
Offering a retirement plan is one of the most powerful ways to care for your employees and your own future. Cremé Wealth helps Plano business owners establish plans that balance affordability, simplicity, and long-term financial growth. Let’s build a strategy that rewards your hard work—and supports those who help make your success possible.