Retirement Plan Services

Navigating the complexities of retirement planning can be challenging, especially for business owners who must balance personal and professional financial goals. At Alpha UMi Financial, we specialize in providing retirement plan services tailored to the unique needs of entrepreneurs, small business owners, and executives. Whether you’re looking to establish a tax-advantaged retirement plan or maximize the benefits of existing options, our team is here to guide you every step of the way.

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Why Retirement Planning Matters for Business Owners

As a business owner, your financial future is intertwined with the success of your business. However, relying solely on your business as your retirement plan can be risky. Diversifying your retirement strategy with plans such as a 401(k), SEP IRA, Solo(k), or ESOP ensures financial stability while providing significant tax advantages and helping you attract and retain top talent.

At Alpha UMi Financial, we understand the dual responsibilities of growing your business and preparing for your personal future. Our holistic approach ensures that your retirement strategy aligns with both your business goals and personal aspirations.

Our Retirement Plan Services

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401(k) Plans

A 401(k) plan is an essential tool for business owners who want to provide their employees—and themselves—with a powerful retirement savings vehicle. At Alpha UMi Financial, we help you:

• Design and implement a customized 401(k) plan tailored to your business size and goals.
• Explore tax-efficient strategies for employer contributions.
• Provide ongoing plan management and compliance support to ensure you meet all regulatory requirements.

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SEP IRA

Simplified Employee Pension (SEP) IRAs are a popular option for small businesses and self-employed individuals. They offer high contribution limits and easy administration. Our SEP IRA services include:

• Assessing your eligibility and contribution limits to maximize tax benefits.
• Setting up and managing SEP IRA accounts for you and your employees.
• Providing guidance on integrating SEP IRAs into your overall retirement strategy.

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Solo(k) Plans

If you’re a sole proprietor or operate a business without employees, a Solo(k) plan might be the perfect fit. Alpha UMi Financial offers:

• Expert advice on maximizing both employee and employer contributions.
• Guidance on Roth and pre-tax contributions to optimize tax efficiency.
• Strategic planning for rollovers, withdrawals, and loan options.

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Employee Stock Ownership Plans (ESOPs)

For business owners considering succession planning, an ESOP can be an excellent option to transition ownership while rewarding loyal employees. We provide:

• Comprehensive analysis to determine if an ESOP aligns with your business goals.
• Expert guidance on structuring and implementing an ESOP.
• Ongoing support to ensure compliance and performance.

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The Alpha UMi Financial Advantage

At Alpha UMi Financial, we don’t believe in one-size-fits-all solutions. Instead, we take the time to understand your business, financial situation, and long-term aspirations. Our fiduciary-driven approach ensures that every recommendation prioritizes your best interests.

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Personalized Strategies

We craft tailored retirement plans that align with your unique circumstances. Whether you’re a sole proprietor, a small business owner with a growing team, or an executive managing complex finances, our customized strategies provide clarity and confidence.

Tax Efficiency

Our advanced tax planning expertise ensures that your retirement plan minimizes tax liabilities while maximizing contributions and investment growth.

Expert Guidance

Led by Jack C. Rogers, CFA, our team combines deep industry expertise with a commitment to helping business owners succeed. With over 15 years of experience in wealth management and retirement planning, Jack and the Alpha UMi Financial team are uniquely positioned to guide you toward financial security.

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Start Planning for Your Future Today

Retirement planning is not just about securing your future—it’s about ensuring the legacy of your business and providing peace of mind for you and your family. At Alpha UMi Financial, our retirement plan services empower you to take control of your financial future while optimizing the success of your business.

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Contact Alpha UMi Financial

Ready to explore your options for a 401(k), SEP IRA, Solo(k), or ESOP? Schedule a consultation with Alpha UMi Financial today and let us help you create a retirement strategy that works as hard as you do.

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