Small Business Solutions

Many business owners focus on day-to-day operations and miss opportunities related to taxes, benefits, and long-term

personal security.

Without coordinated guidance:

• Retirement strategies may be limited
• Tax advantages may go unused
• Business and personal planning may remain disconnected
• and so much more!

We help uncover these gaps and structure strategies that support both the business you’re building and the future you’re

creating.

Why Sponsor a Retirement Plan?

1. Tax Advantages

Employer contributions may be tax-deductible and grow tax deferred.

2. Accelerated Savings for Owners

Certain designs allow owners — especially those nearing retirement — to save more efficiently.

3. Attract & Retain Talent

A retirement plan strengthens your benefits package and supports employee retention.

4. Asset Protection

Qualified plans may provide creditor protection when properly structured.

Types of Employer-Sponsored Plans

Defined Benefit Plans

Provide a guaranteed retirement benefit, with contributions calculated to meet funding requirements.

Examples may include:

• Fully insured designs
• Cash balance plans

Defined Contribution Plans

Benefits are based on contributions by the employer, employee or both.

Examples may include:

• Profit-sharing plans
• 401(k) plans with enhanced matching

Additional Business Planning Solutions

• Buy–sell planning
• Key person strategies
• Executive benefit planning
• Bonus arrangements
• Multi-life coverage designs
• Legacy and retirement income strategies

Why Speak With ZenWealth?

Our complimentary consultation often reveals inefficiencies, risks or missed opportunities.

We collaborate directly with your CPA and trusted advisors to ensure strategies are aligned and coordinated.

Our services results in clarity, confidence and informed next steps.