Fortunium’s Business Financial Planner - Retirement 401k

At Fortunium Wealth Management, we specialize in business planning solutions designed to address the unique financial challenges and opportunities faced by business owners. Our services include comprehensive financial planning, 401(k) management, SEP and SIMPLE IRAs, life insurance, key man insurance, and business succession planning.

We partner with some of the best 401(k) providers in the industry to offer flexible, competitive retirement plans for businesses of all sizes. These plans not only help employees save for retirement but also provide significant tax benefits for employers. Our team guides business owners through the process of selecting and implementing a 401(k) plan, whether it’s a traditional plan, Roth 401(k), or safe harbor option. We also provide ongoing plan administration, compliance support, and employee education to maximize the plan’s value. Offering a robust 401(k) can help businesses attract top talent, improve employee retention, and demonstrate a commitment to their team’s financial well-being.

The Simplified Employee Pension (SEP) IRA is an excellent retirement plan option for small businesses and self-employed individuals. It allows employers to contribute directly to their employees' retirement accounts with minimal administrative requirements. Fortunium helps business owners establish and manage SEP IRAs, offering high contribution limits and significant tax advantages for both employers and employees. This plan is especially attractive to businesses with variable incomes, as contributions are flexible and can be adjusted annually.

The Savings Incentive Match Plan for Employees (SIMPLE IRA) is a cost-effective retirement plan for businesses with fewer than 100 employees. It offers ease of setup and operation while providing valuable tax benefits. Employers can either match employee contributions or make non-elective contributions, allowing flexibility based on the business’s financial situation. Fortunium assists in implementing and managing SIMPLE IRA plans, ensuring compliance and employee engagement while helping business owners build a competitive benefits package.

At Fortunium, we guide business owners in understanding how offering retirement plans, life insurance, and other benefits can enhance employee satisfaction and loyalty, attract top-tier talent, and reduce turnover. These benefits create a more committed and productive workforce while strengthening the company’s reputation as an employer of choice.

Key man insurance safeguards a business against the financial impact of losing a critical team member, providing resources for recovery and continuity. In addition, Fortunium’s business succession planning is designed to result in a seamless transition of ownership through thoughtful strategies tailored to each business’s goals. Whether transitioning ownership to family, key employees, or through a sale, our approach ensures the business’s legacy and value are preserved.

With Fortunium’s expertise and comprehensive offerings, we empower business owners to secure their financial future, protect their wealth, and foster a thriving and committed workforce.

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