Retirement plans that fit your business.
If you own a Houston business, the right qualified-plan choice can shelter substantial income, attract employees, and accelerate your own retirement. The wrong choice is administrative overhead with little upside. I help you choose deliberately.
At a glance
- Best for
- Business owners with 1–50 employees
- Format
- Virtual anywhere in the US. In-person in the Houston area upon request.
- First step
- Complimentary intro call · 5–45 min
- Coordinates with
- Your CPA, Attorney, and Plan Administrator
Situations I see most often.
- You're a sole proprietor or small partnership and have no plan yet.
- You're outgrowing a SIMPLE IRA and considering 401(k).
- You want a defined-benefit or cash-balance plan layered on top of a 401(k).
- You're an established 401(k) sponsor and the current vendor is no longer competitive.
- You're approaching retirement and want to maximize the last 5 years of contributions.
What the engagement covers.
- Plan-type selection (Solo 401(k), SEP, SIMPLE, Safe Harbor 401(k), DB, cash-balance).
- Contribution-limit modeling for owners and key employees.
- Vendor selection (recordkeeper, third-party administrator, custodian).
- Investment menu design appropriate to participants.
- Annual administration coordination (5500 filings, testing).
- Participant education sessions where appropriate.
A measured approach, in clear steps.
Business profile
Owner age, compensation, employee census, cash flow stability, and goals all shape plan choice.
Design
I model contribution outcomes across plan types so the choice is data-driven, not vendor-driven.
Vendor selection
Independent vendor selection — no captive arrangements.
Implementation
Plan documents, participant enrollment, and investment lineup launch.
Annual review
Plan health, participation, fees, and investment performance reviewed annually.
Houston business owners.
I work with professional-service firms, energy-sector consultancies, medical practices, and family-owned businesses across Houston. Plan choice depends on stable cash flow, owner age relative to staff, and how much you want to allocate to employees vs. yourself. There's no universal right answer.