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Retirement Solutions for Business Owners | Intergenerational Wealth Strategies

Retirement Solutions for Business Owners

Freeman & Freeman understands the challenges that business owners face. Owning a business is extremely gratifying, but it can also be time- consuming.  Many business owners and entrepreneurs focus so much on their business that they neglect proper planning for their own future.  Our expertise in retirement planning can be an invaluable asset to those looking to save for retirement. We specialize in several retirement plans for small businesses.

SEP IRA

The Simplified Employee Pension (SEP) IRA is a type of retirement account that an employer or a self-employed person can establish. The account allows for the owner to contribute to his own account as well as accounts for the business’ employees. SEP IRAs often have higher annual contribution limits than standard IRAs. When an employer makes contributions to SEP IRA accounts, it receives a tax deduction for the amount contributed. Freeman & Freeman can walk you through if a SEP is the right fit for you.

SIMPLE IRA

The SIMPLE IRA plan (Savings Incentive Match Plan for Employees) allows employees and employers to contribute to traditional IRAs set up for employees. A SIMPLE IRA is another type of tax-deferred retirement savings plan and is ideally suited as a start-up retirement savings plan for small employers. This type of retirement plan is easy to set up for businesses but has its limitations. Freeman & Freeman work with you to establish your long-term goals when determining which IRA is right for your business.

Estate Planning | Preserve Your Legacy: Strategize for Future Generations

Estate planning plays a crucial role in your comprehensive financial strategy, ensuring that your legacy is secure and aligned with your wishes. By planning ahead, you gain greater control over how your estate and assets are distributed, make provisions for end-of-life healthcare decisions, and minimize the tax burden on your beneficiaries.

Whether you aim to safeguard your family’s future or support causes close to your heart, we are dedicated to guiding you through the entire process, providing expert support and strategic advice at every stage. A comprehensive estate plan can help you:

• Preserve and protect your wealth.
• Control who receives your assets.
• Ensure that your wishes are carried out.
• Reduce the tax burden on your heirs and family.
• Provide for continuation of your business. 

One of the most important aspects of estate planning is keeping your plan current. It is important to regularly review and adjust your plan to provide for any changes in state and federal estate tax rates, wealth transfer opportunities, and your financial and family status, including marriage, divorce, births, deaths, illnesses, retirement, relocations, and more.

Estate planning involves creating a will or trust, maintaining proper insurance, setting up gift-giving guidelines, reducing eventual tax implications, and more. We can tailor a plan to your specific needs that considers these factors and options which may impact the transfer of your wealth: 

• Your estate value and potential estate taxes.
• Available alternatives to paying federal and state death taxes.
• The use of various transfer techniques including life insurance, trusts, and gifting.
• Comparisons of the benefits and limitations of various planning tools.
• Review of your will, trust, and other documents to determine if they will accomplish your goals.

We work with your attorneys, accountants, and trust officers to ensure that your estate plan is fully prepared and properly managed.

Estate Planning | Preserve Your Legacy: Strategize for Future Generations

Estate planning plays a crucial role in your comprehensive financial strategy, ensuring that your legacy is secure and aligned with your wishes. By planning ahead, you gain greater control over how your estate and assets are distributed, make provisions for end-of-life healthcare decisions, and minimize the tax burden on your beneficiaries.

Whether you aim to safeguard your family’s future or support causes close to your heart, we are dedicated to guiding you through the entire process, providing expert support and strategic advice at every stage. A comprehensive estate plan can help you:

• Preserve and protect your wealth.
• Control who receives your assets.
• Ensure that your wishes are carried out.
• Reduce the tax burden on your heirs and family.
• Provide for continuation of your business. 

One of the most important aspects of estate planning is keeping your plan current. It is important to regularly review and adjust your plan to provide for any changes in state and federal estate tax rates, wealth transfer opportunities, and your financial and family status, including marriage, divorce, births, deaths, illnesses, retirement, relocations, and more.

Estate planning involves creating a will or trust, maintaining proper insurance, setting up gift-giving guidelines, reducing eventual tax implications, and more. We can tailor a plan to your specific needs that considers these factors and options which may impact the transfer of your wealth: 

• Your estate value and potential estate taxes.
• Available alternatives to paying federal and state death taxes.
• The use of various transfer techniques including life insurance, trusts, and gifting.
• Comparisons of the benefits and limitations of various planning tools.
• Review of your will, trust, and other documents to determine if they will accomplish your goals.

We work with your attorneys, accountants, and trust officers to ensure that your estate plan is fully prepared and properly managed.

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525 Woodland Square Blvd.,
Suite 250 | Conroe, TX 77384
Phone: 936.283.4105
Fax: 936.283.4106

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CLIENT LOGIN
CLIENT LOGIN

525 Woodland Square Blvd., Suite 250 | Conroe, TX 77384

936.283.4105

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