Smart Company Retirement Plans Build Lasting Value
Small business retirement plans can provide valuable employee benefits while supporting broader business and tax-planning goals. We help business owners explore retirement plan strategies, including SEP and SIMPLE IRAs, and evaluate which solutions align with their goals, budget, and employee benefits objectives.
Simplified Employee Pensions (SEP)
Flexible employer-funded retirement plans offering high contribution limits, low administration fees, and tax-deferred growth for your team.
SIMPLE IRA Plan Solutions
Turn-key savings programs allowing employees to defer pre-tax salary while business owners match contributions with clear tax benefits.
SIMPLE 401(k) Option Structuring
Retirement plans for eligible small businesses that combine employee salary deferrals with required employer contributions under a simplified 401(k) framework.
Retirement Plan Consulting
Helping business owners understand retirement plan design options, including vesting schedules and potential tax benefits, while coordinating with plan administrators and other professionals.
Frequently Asked Questions
Navigating company retirement plans and tax-efficient benefits for your business shouldn't feel overwhelming. Grounded in our personal commitment as New York financial advisors, MetaParadigm Wealth Management strives to deliver complete clarity and plan coordination—keeping you supported at every stage.
SEP IRAs are funded solely by employer contributions with flexible annual funding options. SIMPLE IRAs allow employee elective salary deferrals with mandatory employer matching, making them ideal for businesses with under 100 employees.
Answer: All employer contributions to SEP or SIMPLE plans are tax-deductible business expenses. Furthermore, setup and administrative expenses may qualify for federal tax credits, directly offsetting your annual corporate tax liability.
Answer: Yes. Contributions made to SEP IRAs and SIMPLE IRAs are 100% immediately vested to employees, providing them full ownership while giving your firm a strong, attractive benefit tool.
Not necessarily. While we welcome local business owners to our Victory Blvd office in Staten Island, we offer secure, virtual consultation and implementation for companies across New York.