🏦 Retirement Offerings for Business Owners & Employees

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At Carpenter Collective, we believe every business—no matter the size—deserves access to retirement solutions that attract top talent and give business owners peace of mind. We help businesses design, implement, and manage customized retirement plans that support long-term financial wellness for owners and employees alike.

Whether you’re preparing for your own retirement or aiming to provide your team with meaningful benefits, our experts are here to build the right path forward.

Ideal for businesses of all sizes, 401(k) plans allow employees to save pre-tax or after-tax income toward retirement. We assist with plan design, employee education, and administrative setup.

• Traditional or Safe Harbor 401(k)
   
• Roth 401(k) for tax-free withdrawals
   
• Employer match options
   

Designed for small businesses and self-employed individuals seeking low-cost, tax-advantaged retirement savings with flexible contributions.

• SEP IRA (Simplified Employee Pension)
   
• SIMPLE IRA (Savings Incentive Match Plan for Employees)
   

Permanent life insurance policies like Whole Life or Indexed Universal Life (IUL) offer protection plus a tax-deferred savings component. Funds can be accessed tax-free for retirement income, business succession, or estate planning.

• Tax-advantaged growth
   
• Asset protection strategies
   
• Ideal for business owners & high earners
   

We offer both fixed and indexed annuities to create predictable retirement income—ideal for business owners who want to secure future cash flow or supplement Social Security.

• Fixed Annuities
   
• Indexed Annuities
   
• Immediate or Deferred Income Options
   

A powerful strategy for high-income business owners or legacy-minded companies looking to offer a fixed, predictable retirement benefit.

• Customized pension designs
   
• Greater tax deductions than traditional plans
   
• Works well for older business owners nearing retirement
   

✅ Customized Planning – We tailor solutions to match your industry, company size, and goals.
✅ Third-Party Coordination – We collaborate with trusted retirement plan administrators and insurance carriers.
✅ Education & Engagement – Employees and owners receive ongoing support, education, and benefit reviews.
✅ Tax-Advantage Strategies – Maximize retirement contributions and reduce current taxable income.

Create a retirement plan that rewards you and your team, with strategies that help you:

• Minimize taxes
   
• Grow your wealth
   
• Prepare for succession or sale
   

We help employees understand and maximize their benefits, empowering them to build a confident retirement with tools like:

• Personalized education
   
• Ongoing access to advisors
   
• Clear investment choices

Whether you're starting from scratch or looking to upgrade your existing plan, we’ll help you design a retirement strategy that makes financial sense for today—and tomorrow.