For high-income business owners, maxing out a standard 401(k) or SEP IRA often feels responsible, but underwhelming.
If you are earning $300,000, $500,000, or more, those traditional retirement vehicles can help, but they rarely solve the bigger problem: too much taxable income and not enough room to shelter it.
That is where a defined benefit…
If you run a high-profit professional practice or a successful S Corp or Partnership, you already know the feeling: you max out the 401(k), you do “everything right,” and the tax bill still feels like it is eating your momentum.
Here is the strategic truth. For high earners, a 401(k) is often just the starter…