Irregular owner pay makes personal planning hard. We help set a consistent salary and distribution rhythm, build a business-to-personal cash flow system, and plan quarterly estimated taxes with your CPA.
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The right plan depends on your income, your employees and how much you want to save: SEP IRA: simple, employer-funded, flexible year to year. SIMPLE IRA: low cost for small teams, with employee deferrals. Solo 401(k): for owners with no employees other than a spouse, allowing both employee and employer contributions.
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Most owners have the bulk of their net worth in the company. Personal investments are built to diversify away from that concentration, with an emergency reserve held outside the business.
Whether you sell to a partner, pass the business to family or sell to an outside buyer, the earlier you plan the more options you have for taxes and timing.
Integra Wealth coordinates with your CPA on owner compensation, retirement contributions and year-end tax moves.
