{"id":13948,"date":"2024-12-29T11:25:44","date_gmt":"2024-12-29T18:25:44","guid":{"rendered":"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/"},"modified":"2026-01-26T17:09:35","modified_gmt":"2026-01-26T17:09:35","slug":"retirement-planning-within-your-small-business","status":"publish","type":"epkb_post_type_1","link":"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/","title":{"rendered":"Retirement Planning Within Your Small Business"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-right counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table Of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/#Reasons_for_Small_Business_Financial_Planning\" >Reasons for Small Business Financial Planning<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/#Goals_and_Objectives\" >Goals and Objectives<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/#The_Plan\" >The Plan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/#Accountability\" >Accountability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/#Small_Business_Retirement_Plans_Comparison\" >Small Business Retirement Plans Comparison<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/#Taxpayers_Comprehensive_Guide_to_LLCs_and_S_Corps_2025_Edition\" >Taxpayer\u2019s Comprehensive Guide to LLCs and S Corps 2025 Edition<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/#Talk_to_a_Small_Business_CPA_About_Your_Situation\" >Talk to a Small Business CPA About Your Situation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/#Schedule_Discovery_Meeting_Now\" >Schedule Discovery Meeting Now<\/a><\/li><\/ul><\/nav><\/div>\n<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]By <strong>Jason Watson, CPA<\/strong><br \/>\nPosted Monday, December 30, 2024<\/p>\n<p>Most people have a pretty good handle on personal finance and basic retirement savings, and while the principles are generally the same in the small business world, a lot of business owners have a deer caught in your headlights at 2:00AM look when it comes to leveraging their business for retirement. And there is good reason- retirement planning within your small business carries a bunch more options and potential pitfalls (sounds like life in general, doesn\u2019t it?).<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Reasons_for_Small_Business_Financial_Planning\"><\/span>Reasons for Small Business Financial Planning<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>There are three major wealth considerations for small business owners (or anyone for that matter)-<\/p>\n<ul>\n<li>Accumulation (fun and exciting part)<\/li>\n<\/ul>\n<ul>\n<li>Preservation (the tricky part)<\/li>\n<\/ul>\n<ul>\n<li>Transfer (the necessary evil part)<\/li>\n<\/ul>\n<p>Each of these major wealth considerations are interwoven, needs comprehensive focus to ensure the necessary dots are connected, and should have no gaps or holes exist during transitions. That is where financial planning comes into play.<\/p>\n<p>Accumulation is easy. Most people think if they toss some money at a mutual fund they are planning for retirement. Nope.<\/p>\n<p>Preservation gets tricky since we need to have our money outlast our lives. And with people living well into their 90s, this can be tough. Let\u2019s put it another way- if you work for 40 years, from age 25 to 65, you need to save enough to live for another 25-30 years. That is incredible. If you are spending $100,000 at age 55, you better be making $180,000 and putting the $80,000 into a moderate growth retirement vehicle.<\/p>\n<p>Preservation also includes proper insurance, asset protection through trusts, pro-active maneuvering and other tools in the toolbox.<\/p>\n<p>Transfer of wealth is automatic. We have yet to see a hearse with a trailer hitch. Or, said in a completely starker way, every life comes with a death sentence. How it is executed is partially up to you. Did we just ruin your appetite? Sorry.<\/p>\n<p>Transfer of wealth can also be tricky. The current federal estate tax exemption is $13.99 million (for the 2025 tax year) per person, and a passed spouse can posthumously port his or her exemption to the surviving spouse. Not bad. And most people don\u2019t have over $26 million in estate value. Rich people problems (now referred to as high net worth\u2026 the most over-used and water-downed phrase today).<\/p>\n<p style=\"padding-left: 40px;\"><span style=\"color: #0000ff;\"><strong>Sidebar:<\/strong><\/span> According to a November 2019 Forbes article, over $30 trillion in wealth will be transferred by baby boomers. Furthermore, according to a 2018 study from Bankrate.com, millennials are less inclined to invest in the stock market. So, where this wealth goes is certainly unclear.<\/p>\n<p>These federal exemption amounts are indexed each year, and while Congress can always vote to repeal, this estate tax exemption was written in stone with passing of the American Taxpayer Relief Act of 2012. However, various states have much lower exemptions. For the 2022 tax year, Connecticut was $9.1 million, Hawaii was $5.5 million, among other examples.<\/p>\n<p>Nebraska does not have an estate tax, but they do have an inheritance tax (the recipient pays depending on relationship and could be as high as 13%). California, the class favorite, is one of 33 states that do not impose an inheritance tax. Apparently, you\u2019ve been taxed to death and there is nothing left to tax when you die in California.<\/p>\n<p>Therefore, just because you are out of woods federally, doesn\u2019t mean the transfer your wealth is free of taxation. Get a plan.<\/p>\n<p>What about your business? Does it have an exit strategy or wealth transfer strategy? Businesses are like marriages; easy to get into, hard to get out. Add this to the plan.<\/p>\n<p>The reasons for financial planning are-<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Goals_and_Objectives\"><\/span>Goals and Objectives<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Define your goals and objectives, determine your current position and discover unmanaged risks. This sounds simple and makes sense, but defining goals and objectives is a fluid concept. They change. And as they change, the plan needs to be malleable enough to adapt. Financial plans are modified annually or whenever a major life change as occurred, whichever is more frequent. This is important.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"The_Plan\"><\/span>The Plan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Financial plans also create a blueprint and chart a course on how to reach goals and objectives while managing risk. Again, this sounds simple. But even the most basic house needs a blueprint for framers, plumbers, electricians and even inspectors to review and implement. And in the case of a financial plan, these same players are your financial advisors, tax professionals, attorneys and insurance specialists.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Accountability\"><\/span>Accountability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Financial plans also provide confidence, measure success and hold everyone accountable. If everyone agrees that your financial plan will ensure financial security in your life, then it becomes a measuring stick for determining success along the way. Anyone can throw some money at an investment, but what does it mean? And does it fit the plan? And is the selection of that investment meeting the plan\u2019s objectives.<\/p>\n<p><strong>WCG CPAs &amp; Advisors<\/strong> can always assist you with retirement and financial planning as it relates to your small business and taxation. If you need a referral for a financial advisor, we might be able to help with that too. However, we have fallen out of favor with a lot of the assets under management fee schedules, so we have trouble endorsing an advisor since most charge a percentage based on your asset values. We are not quite sure how the size of your portfolio translates into time and expertise, and in turn the value for services provided, but we digress.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Small_Business_Retirement_Plans_Comparison\"><\/span>Small Business Retirement Plans Comparison<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>We are going to put the carriage in front of the horse, and show you a comparison of basic small business retirement plans before explaining each plan. We cheated, and used Pacific Life\u2019s online calculator to demonstrate these differences. Why re-invent the wheel? And frankly, they do a fantastic job at this type of stuff. Here is their link-<\/p>\n<p><a target=\"_blank\" href=\"https:\/\/www.pacificlife.com\/home\/insights\/calculators\/self-employed-retirement-plan-maximum-contribution-calculator.html\" rel=\"noopener\">wcginc.com\/6103<\/a><\/p>\n<p>We took a handful of salaries (for corporations including S corporations) and net incomes (for sole proprietors and partners in partnerships) and plugged them into Pacific Life\u2019s calculator, and came up with the following table based on the 2025 tax year limits-<\/p>\n<table style=\"width: 100%;\">\n<tbody>\n<tr>\n<td style=\"text-align: left; width: 20%;\"><strong><u>Salary\/Income<\/u><\/strong><\/td>\n<td style=\"text-align: left; width: 20%;\"><strong><u>Entity<\/u><\/strong><\/td>\n<td style=\"text-align: center; width: 20%;\"><strong><u>Max 401k<\/u><\/strong><\/td>\n<td style=\"text-align: center; width: 20%;\"><strong><u>Max SEP IRA<\/u><\/strong><\/td>\n<td style=\"text-align: center; width: 20%;\"><strong><u>Max SIMPLE<\/u><\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\"><\/td>\n<td style=\"text-align: left; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\">60,000<\/td>\n<td style=\"text-align: left; width: 20%;\">Sole Prop \/ Partner<\/td>\n<td style=\"text-align: center; width: 20%;\">34,662<\/td>\n<td style=\"text-align: center; width: 20%;\">11,152<\/td>\n<td style=\"text-align: center; width: 20%;\">18,162<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\">60,000<\/td>\n<td style=\"text-align: left; width: 20%;\">Corporation<\/td>\n<td style=\"text-align: center; width: 20%;\">38,500<\/td>\n<td style=\"text-align: center; width: 20%;\">15,000<\/td>\n<td style=\"text-align: center; width: 20%;\">18,300<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\"><\/td>\n<td style=\"text-align: left; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\">125,000<\/td>\n<td style=\"text-align: left; width: 20%;\">Sole Prop \/ Partner<\/td>\n<td style=\"text-align: center; width: 20%;\">46,734<\/td>\n<td style=\"text-align: center; width: 20%;\">23,234<\/td>\n<td style=\"text-align: center; width: 20%;\">19,963<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\">125,000<\/td>\n<td style=\"text-align: left; width: 20%;\">Corporation<\/td>\n<td style=\"text-align: center; width: 20%;\">54,750<\/td>\n<td style=\"text-align: center; width: 20%;\">31,250<\/td>\n<td style=\"text-align: center; width: 20%;\">20,250<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\"><\/td>\n<td style=\"text-align: left; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\">150,000<\/td>\n<td style=\"text-align: left; width: 20%;\">Sole Prop \/ Partner<\/td>\n<td style=\"text-align: center; width: 20%;\">51,381<\/td>\n<td style=\"text-align: center; width: 20%;\">27,881<\/td>\n<td style=\"text-align: center; width: 20%;\">20,656<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\">150,000<\/td>\n<td style=\"text-align: left; width: 20%;\">Corporation<\/td>\n<td style=\"text-align: center; width: 20%;\">61,000<\/td>\n<td style=\"text-align: center; width: 20%;\">37,500<\/td>\n<td style=\"text-align: center; width: 20%;\">21,000<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\"><\/td>\n<td style=\"text-align: left; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\">186,000<\/td>\n<td style=\"text-align: left; width: 20%;\">Sole Prop \/ Partner<\/td>\n<td style=\"text-align: center; width: 20%;\">58,111<\/td>\n<td style=\"text-align: center; width: 20%;\">34,611<\/td>\n<td style=\"text-align: center; width: 20%;\">21,653<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\">186,000<\/td>\n<td style=\"text-align: left; width: 20%;\">Corporation<\/td>\n<td style=\"text-align: center; width: 20%;\"><span style=\"color: #0000ff;\"><strong>70,000<\/strong><\/span><\/td>\n<td style=\"text-align: center; width: 20%;\">46,500<\/td>\n<td style=\"text-align: center; width: 20%;\">22,080<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\"><\/td>\n<td style=\"text-align: left; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\">246,000<\/td>\n<td style=\"text-align: left; width: 20%;\">Sole Prop \/ Partner<\/td>\n<td style=\"text-align: center; width: 20%;\"><span style=\"color: #0000ff;\"><strong>70,000<\/strong><\/span><\/td>\n<td style=\"text-align: center; width: 20%;\">46,451<\/td>\n<td style=\"text-align: center; width: 20%;\">23,315<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\">246,000<\/td>\n<td style=\"text-align: left; width: 20%;\">Corporation<\/td>\n<td style=\"text-align: center; width: 20%;\">70,000<\/td>\n<td style=\"text-align: center; width: 20%;\">61,500<\/td>\n<td style=\"text-align: center; width: 20%;\">23,880<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\"><\/td>\n<td style=\"text-align: left; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\">280,000<\/td>\n<td style=\"text-align: left; width: 20%;\">Sole Prop \/ Partner<\/td>\n<td style=\"text-align: center; width: 20%;\">70,000<\/td>\n<td style=\"text-align: center; width: 20%;\">53,159<\/td>\n<td style=\"text-align: center; width: 20%;\">24,257<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\">280,000<\/td>\n<td style=\"text-align: left; width: 20%;\">Corporation<\/td>\n<td style=\"text-align: center; width: 20%;\">70,000<\/td>\n<td style=\"text-align: center; width: 20%;\">70,000<\/td>\n<td style=\"text-align: center; width: 20%;\">24,900<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\"><\/td>\n<td style=\"text-align: left; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<td style=\"text-align: center; width: 20%;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\">365,000<\/td>\n<td style=\"text-align: left; width: 20%;\">Sole Prop \/ Partner<\/td>\n<td style=\"text-align: center; width: 20%;\">70,000<\/td>\n<td style=\"text-align: center; width: 20%;\"><span style=\"color: #0000ff;\"><strong>70,000<\/strong><\/span><\/td>\n<td style=\"text-align: center; width: 20%;\">25,086<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left; width: 20%;\">365,000<\/td>\n<td style=\"text-align: left; width: 20%;\">Corporation<\/td>\n<td style=\"text-align: center; width: 20%;\">70,000<\/td>\n<td style=\"text-align: center; width: 20%;\">70,000<\/td>\n<td style=\"text-align: center; width: 20%;\">27,450<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>Note the <span style=\"color: #0000ff;\"><strong>bolded $70,000 number<\/strong><\/span>. This is the maximum defined contribution amount permitted in 2025 per plan (and Yes, you can have two plans- we\u2019ll talk about Greg and his two plans in an example later).<\/p>\n<p>Crazy! The following are some quick observations-<\/p>\n<ul>\n<li>In 2025, the maximum you can contribute to a qualified retirement plan is $70,000 ($69,000 for the 2024 tax year). You can go above this with a defined benefits pension (cash balance)- more on that later.<\/li>\n<\/ul>\n<ul>\n<li>Partnerships (those required to file Form 1065) follow the same limits as Sole Prop above.<\/li>\n<\/ul>\n<ul>\n<li>$186,000 in W-2 salary from your C Corp or S Corp is the magic number for maximizing your 401k. After that, any increase in salary does not help. <strong>Your fastest way to reach your contribution limit is through a 401k plan.<\/strong><\/li>\n<\/ul>\n<ul>\n<li>$280,000 in W-2 income from your S Corp is the minimum salary for a max SEP IRA contribution.<\/li>\n<\/ul>\n<ul>\n<li>$365,000 from your small business or K-1 partnership income from your Schedule E as reported on your individual tax return is the magic number for maximizing your SEP IRA contribution. SEPs are old school and used for crisis management rather than planning (more on that too).<\/li>\n<\/ul>\n<ul>\n<li>Earned income from a sole proprietor is net profit minus 50% of your self-employment (SE) tax minus your contribution. Since the contribution actually adjusts the maximum contribution, this can be a circular reference. And No, 401k or SEP contributions do not reduce SE tax.<\/li>\n<\/ul>\n<ul>\n<li>401k max is computed by taking $23,500 employee (you) contribution, plus 25% of your W-2 or earned income (as adjusted). This is for the 2025 tax year.<\/li>\n<\/ul>\n<ul>\n<li>SEP IRA max is computed by taking 25% of your W-2 or earned income (as adjusted).<\/li>\n<\/ul>\n<ul>\n<li>Max SIMPLE 401k is basically $16,500 plus 3% of your W-2 or earned income (as adjusted). Don\u2019t spend too much time thinking about SIMPLE 401k plans.<\/li>\n<\/ul>\n<ul>\n<li>You can add $7,500 for catch-up contributions if you are 50 years old or older.<\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\"><span style=\"color: #0000ff;\"><strong>Note:<\/strong><\/span> With the SECURE 2.0 Act, those aged 60-63 can do \u201csuper catch-up\u201d allowing $11,250 versus $7,500 catch-up contributions into a 401k plan for the 2025 tax year. The $11,250 number is 150% of the regular catch-up limit, and in the case of a 401k plan, that is $7,500. If this should change, the super catch-up automatically adjusts.<\/p>\n<p>Let\u2019s talk about each of these qualified plans in turn, starting with the 401k. Out of the box, or non-traditional retirement plans will follow (profit sharing plans, defined benefits pensions, cash balance plans, Section 79 plans, etc.). Exciting![\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=&#8221;25px&#8221;][vc_column_text]<style data-type=\"vc_shortcodes-custom-css\">#wd-6915e3dd2a9b5 .info-box-title{line-height:40px;font-size:30px;color:#473d3c;}#wd-6915e3dd2a9b5 .info-box-inner{line-height:26px;font-size:16px;color:#473d3c;}#wd-6915e437409dd .info-box-title{line-height:40px;font-size:30px;color:#473d3c;}#wd-6915e437409dd .info-box-inner{line-height:26px;font-size:16px;color:#473d3c;}#wd-68460c16bff16 .info-box-title{line-height:60px;font-size:50px;color:#473d3c;}#wd-68460c16bff16 .info-box-inner{line-height:26px;font-size:16px;color:#473d3c;}#wd-687b937e0887f .info-box-title{line-height:26px;font-size:16px;color:#473d3c;}#wd-687b937e0887f .info-box-inner{line-height:22px;font-size:12px;color:#473d3c;}#wd-687b9384e0d51 .info-box-title{line-height:26px;font-size:16px;color:#473d3c;}#wd-687b9384e0d51 .info-box-inner{line-height:22px;font-size:12px;color:#473d3c;}#wd-687b938a8f4b3 .info-box-title{line-height:26px;font-size:16px;color:#473d3c;}#wd-687b938a8f4b3 .info-box-inner{line-height:22px;font-size:12px;color:#473d3c;}#wd-68bcf7fc8516a .info-box-title{line-height:40px;font-size:30px;color:#473d3c;}#wd-68bcf7fc8516a .info-box-inner{line-height:26px;font-size:16px;color:#473d3c;}#wd-68bcfccd83cf7 .info-box-title{line-height:46px;font-size:36px;color:#473d3c;}#wd-68bcfccd83cf7 .info-box-inner{line-height:26px;font-size:16px;color:#473d3c;}@media (max-width: 1199px) {#wd-6915e3dd2a9b5 .info-box-title{line-height:34px;font-size:24px;}#wd-6915e3dd2a9b5 .info-box-inner{line-height:24px;font-size:14px;}#wd-6915e437409dd .info-box-title{line-height:34px;font-size:24px;}#wd-6915e437409dd .info-box-inner{line-height:24px;font-size:14px;}#wd-68460c16bff16 .info-box-title{line-height:50px;font-size:40px;}#wd-687b937e0887f .info-box-title{line-height:25px;font-size:15px;}#wd-687b9384e0d51 .info-box-title{line-height:25px;font-size:15px;}#wd-687b938a8f4b3 .info-box-title{line-height:25px;font-size:15px;}#wd-68bcf7fc8516a .info-box-title{line-height:34px;font-size:24px;}#wd-68bcf7fc8516a .info-box-inner{line-height:24px;font-size:14px;}#wd-68bcfccd83cf7 .info-box-title{line-height:36px;font-size:26px;}#wd-68bcfccd83cf7 .info-box-inner{line-height:24px;font-size:14px;}}@media (max-width: 767px) {#wd-6915e3dd2a9b5 .info-box-title{line-height:28px;font-size:18px;}#wd-6915e3dd2a9b5 .info-box-inner{line-height:24px;font-size:14px;}#wd-6915e437409dd .info-box-title{line-height:28px;font-size:18px;}#wd-6915e437409dd .info-box-inner{line-height:24px;font-size:14px;}#wd-68460c16bff16 .info-box-title{line-height:40px;font-size:30px;}#wd-687b937e0887f .info-box-title{line-height:24px;font-size:14px;}#wd-687b9384e0d51 .info-box-title{line-height:24px;font-size:14px;}#wd-687b938a8f4b3 .info-box-title{line-height:24px;font-size:14px;}#wd-68bcf7fc8516a .info-box-title{line-height:28px;font-size:18px;}#wd-68bcf7fc8516a .info-box-inner{line-height:24px;font-size:14px;}#wd-68bcfccd83cf7 .info-box-title{line-height:28px;font-size:18px;}#wd-68bcfccd83cf7 .info-box-inner{line-height:24px;font-size:14px;}}<\/style><div class=\"wpb-content-wrapper\">[vc_row][vc_column]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t<div id=\"wd-6915e3dd2a9b5\" class=\" wd-rs-6915e3dd2a9b5 wd-info-box wd-wpb text-center box-icon-align-top box-style- color-scheme- wd-bg-none border-btm-title kb \">\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p style=\"text-align: center;\"><em>Jason Watson, CPA, is a Partner and the CEO of <strong>WCG CPAs &amp; Advisors<\/strong>, a boutique yet progressive tax, accounting and business consultation firm located in Colorado serving small business owners and taxpayers worldwide.<\/em><\/p>\n<div style=\"display: flex; justify-content: center;\"><a href=\"https:\/\/www.linkedin.com\/in\/jason-watson-cpa\/\"><img decoding=\"async\" class=\"alignnone wp-image-17327 entered lazyloaded\" style=\"height: 35px!important; width: auto!important;\" src=\"https:\/\/wcginc.com\/wp-content\/uploads\/linkedin-150x150-1.png.webp\" alt=\"Jason Watson CPA LinkedIn\" \/><\/a>\u00a0\u00a0\u00a0\u00a0\u00a0<a href=\"mailto:jason@wcginc.com\"><img decoding=\"async\" class=\"alignnone size-thumbnail wp-image-17334 entered lazyloaded\" style=\"height: 35px!important; width: auto!important;\" src=\"https:\/\/wcginc.com\/wp-content\/uploads\/mail-150x150-1.png.webp\" alt=\"Jason Watson CPA Email\" \/><\/a><\/div>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t<style><\/style>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t<div id=\"wd-6915e437409dd\" class=\" wd-rs-6915e437409dd wd-info-box wd-wpb text-left box-icon-align-top box-style- color-scheme- wd-bg-none border-btm-title img-right kb \">\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<h2 class=\"info-box-title title wd-font-weight-800 box-title-style-default font-primary wd-fontsize-m\"><span class=\"ez-toc-section\" id=\"Taxpayers_Comprehensive_Guide_to_LLCs_and_S_Corps_2025_Edition\"><\/span>Taxpayer\u2019s Comprehensive Guide to LLCs and S Corps 2025 Edition<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p><img decoding=\"async\" class=\"size-full wp-image-31529 alignnone\" src=\"https:\/\/wcginc.com\/wp-content\/uploads\/LLC-S-Corp-Web-and-Social-GFX_275-250x300-1.webp\" alt=\"Taxpayer\u2019s Comprehensive Guide to LLCs and S Corps 2025 Edition\" width=\"250\" height=\"300\" \/>This KB article is an excerpt from our 420+ page book (some picture pages, but no scatch and sniff) which is available in paperback from\u00a0<a href=\"https:\/\/www.wcginc.com\/amazon\" target=\"_blank\" rel=\"noopener\">Amazon<\/a>, as an eBook for\u00a0<a href=\"https:\/\/www.wcginc.com\/kindle\" target=\"_blank\" rel=\"noopener\">Kindle<\/a>\u00a0and as a\u00a0<a href=\"https:\/\/www.wcginc.com\/pdf\" target=\"_blank\" rel=\"noopener\">PDF<\/a>\u00a0from ClickBank. We used to publish with iTunes and Nook, but keeping up with two different formats was brutal. You can cruise through these KB articles online, click on the fancy buttons below or\u00a0<a href=\"https:\/\/wcginc.com\/business-services\/book\/\" target=\"_blank\" rel=\"noopener\">visit our webpage<\/a>\u00a0which provides more information.<\/p>\n<table class=\"purchase-table\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\"><a href=\"\/amazon\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignnone size-full wp-image-6657 aligncenter\" style=\"float: none;\" src=\"https:\/\/wcginc.com\/wp-content\/uploads\/amazon-imageresized.png.webp\" alt=\"LLCs and S Corp Book Amazon\" width=\"50\" height=\"50\" \/><\/a><\/td>\n<td style=\"text-align: center;\"><a href=\"\/kindle\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignnone size-full wp-image-6658\" style=\"float: none;\" src=\"https:\/\/wcginc.com\/wp-content\/uploads\/kindle-imageresized.png.webp\" alt=\"LLCs and S Corp Book Kindle\" width=\"50\" height=\"50\" \/><\/a><\/td>\n<td style=\"text-align: center;\"><a href=\"\/pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignnone size-full wp-image-6659 aligncenter\" style=\"float: none;\" src=\"https:\/\/wcginc.com\/wp-content\/uploads\/PDFresized.png.webp\" alt=\"LLCs and S Corp Book PDF\" width=\"50\" height=\"50\" \/><\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><strong>$49.95<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>$39.95<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>$29.95<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t<style><\/style>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column][\/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\" el_id=\"consultation-secc\" woodmart_css_id=\"6756f7d427735\" responsive_spacing=\"eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2NzU2ZjdkNDI3NzM1Iiwic2hvcnRjb2RlIjoidmNfcm93IiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=\" mobile_bg_img_hidden=\"no\" tablet_bg_img_hidden=\"no\" woodmart_parallax=\"0\" woodmart_gradient_switch=\"no\" woodmart_box_shadow=\"no\" wd_z_index=\"no\" woodmart_disable_overflow=\"0\" row_reverse_mobile=\"0\" row_reverse_tablet=\"0\" el_class=\"kb-consult\"][vc_column]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t<div id=\"wd-68460c2ba6365\" class=\" wd-rs-68460c2ba6365 wd-info-box wd-wpb text-left box-icon-align-top box-style- color-scheme- wd-bg-none border-btm-title kb-fix \">\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<h2 class=\"info-box-title title box-title-style-default wd-fontsize-m\"><span class=\"ez-toc-section\" id=\"Talk_to_a_Small_Business_CPA_About_Your_Situation\"><\/span>Talk to a Small Business CPA About Your Situation<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>Please use the form below to tell us a little about yourself, and what you have going on with your small business or 1099 contractor gig. <strong>WCG CPAs &amp; Advisors<\/strong> are small business CPAs, tax professionals and consultants, and we look forward to talking to you!<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[vc_row_inner el_id=\"consultation-inner\" woodmart_css_id=\"66fd6caf92fc0\" responsive_spacing=\"eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2NmZkNmNhZjkyZmMwIiwic2hvcnRjb2RlIjoidmNfcm93X2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=\" mobile_bg_img_hidden=\"no\" tablet_bg_img_hidden=\"no\" woodmart_parallax=\"0\" woodmart_gradient_switch=\"no\" woodmart_box_shadow=\"no\" wd_z_index=\"no\" woodmart_disable_overflow=\"0\" row_reverse_mobile=\"0\" row_reverse_tablet=\"0\"][vc_column_inner][vc_raw_js el_class=\"defaultBot\"]JTNDc2NyaXB0JTIwdHlwZSUzRCUyMnRleHQlMkZqYXZhc2NyaXB0JTIyJTIwc3JjJTNEJTIyaHR0cHMlM0ElMkYlMkZ3Y2dpbmMuam90Zm9ybS5jb20lMkZqc2Zvcm0lMkYyNTE2NjQ4Nzk0MTQ5NzMlMjIlM0UlM0MlMkZzY3JpcHQlM0U=[\/vc_raw_js][\/vc_column_inner][\/vc_row_inner]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t<div id=\"wd-68460c16bff16\" class=\" wd-rs-68460c16bff16 wd-info-box wd-wpb text-left box-icon-align-top box-style- color-scheme- wd-bg-none border-btm-title defaultBot \">\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>The tax advisors, business consultants and rental property experts at <strong>WCG CPAs &amp; Advisors<\/strong> are not salespeople; we are not putting lipstick on a pig expecting you to love it. Our job remains being professionally detached, giving you information and letting you decide within our ethical guidelines and your risk profiles.<\/p>\n<p>We see far too many crazy schemes and half-baked ideas from attorneys and wealth managers. In some cases, they are good ideas. In most cases, all the entities, layering and mixed ownership is only the illusion of precision. As Chris Rock says, just because you can drive your car with your feet doesn\u2019t make it a good idea. In other words, let\u2019s not automatically convert \u201cyou can\u201d into \u201cyou must.\u201d<\/p>\n<p><strong>Let\u2019s chat so you can be smart about it.<\/strong><\/p>\n<p>We typically schedule a 20-minute complimentary quick chat with one of our Partners or our amazing Senior Tax Professionals to determine if we are a good fit for each other, and how an engagement with our team looks. Tax returns only? Business advisory? Tax strategy and planning? Rental property support?<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t<style><\/style>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[vc_row_inner equal_height=\"yes\" el_class=\"boxes--pack\" woodmart_css_id=\"673b5f334f247\" responsive_spacing=\"eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2NzNiNWYzMzRmMjQ3Iiwic2hvcnRjb2RlIjoidmNfcm93X2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=\" mobile_bg_img_hidden=\"no\" tablet_bg_img_hidden=\"no\" woodmart_parallax=\"0\" woodmart_gradient_switch=\"no\" woodmart_box_shadow=\"no\" wd_z_index=\"no\" woodmart_disable_overflow=\"0\" row_reverse_mobile=\"0\" row_reverse_tablet=\"0\"][vc_column_inner width=\"1\/3\"]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t<div id=\"wd-687b937e0887f\" class=\" wd-rs-687b937e0887f wd-info-box wd-wpb text-left box-icon-align-top box-style- color-scheme- wd-bg-none business-boxes \">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"622\" height=\"622\" src=\"https:\/\/wcginc.com\/wp-content\/uploads\/Text-WCG-Offices-1.jpg\" class=\"attachment-full size-full\" alt=\"Text WCG Offices\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<h4 class=\"info-box-title title wd-font-weight-600 box-title-style-default font-primary wd-fontsize-m\">Text WCG Offices<\/h4>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>Need to get in touch through a quick text?\u00a0 We\u2019ll respond back within a day and get going!<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"wd-info-box-link wd-fill\" aria-label=\"Infobox link\" href=\"sms:+17193452100?&amp;body=Hey%20WCG!%20Please%20call%20me%20to%20discuss%20your%20CPA%20services\" title=\"\"><\/a>\n\t\t\t\t\t\n\t\t\t\t\t<style><\/style>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner width=\"1\/3\"]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t<div id=\"wd-687b9384e0d51\" class=\" wd-rs-687b9384e0d51 wd-info-box wd-wpb text-left box-icon-align-top box-style- color-scheme- wd-bg-none business-boxes \">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"622\" height=\"622\" src=\"https:\/\/wcginc.com\/wp-content\/uploads\/Chat-Our-Amazing-Team-1.jpg\" class=\"attachment-full size-full\" alt=\"Chat our amazing team\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<h4 class=\"info-box-title title wd-font-weight-600 box-title-style-default font-primary wd-fontsize-m\">Call Our Amazing Team<\/h4>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p class=\" \">If you need to speak to a tax professional now, give us a call and we'll get you connected.<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<a class=\"wd-info-box-link wd-fill\" aria-label=\"Infobox link\" href=\"tel:719-387-9800\" title=\"\"><\/a>\n\t\t\t\t\t\n\t\t\t\t\t<style><\/style>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner width=\"1\/3\"]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t<div id=\"wd-687b938a8f4b3\" class=\" wd-rs-687b938a8f4b3 wd-info-box wd-wpb text-left box-icon-align-top box-style- color-scheme- wd-bg-none business-boxes nav-button-chat \">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-icon-wrapper  box-with-icon box-icon-simple\">\n\t\t\t\t\t\t\t<div class=\"info-box-icon\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"622\" height=\"622\" src=\"https:\/\/wcginc.com\/wp-content\/uploads\/Chat-With-a-Tax-Pro-2.jpg\" class=\"attachment-full size-full\" alt=\"Chat with a tax pro\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<h4 class=\"info-box-title title wd-font-weight-600 box-title-style-default font-primary wd-fontsize-m\">Chat With a Tax Pro<\/h4>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>Taxes can be tricky. Chat with a WCG human now and get questions answered.<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t<style><\/style>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row equal_height=\"yes\" content_placement=\"top\" woodmart_css_id=\"684abef7ecaa9\" responsive_spacing=\"eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2ODRhYmVmN2VjYWE5Iiwic2hvcnRjb2RlIjoidmNfcm93IiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=\" mobile_bg_img_hidden=\"no\" tablet_bg_img_hidden=\"no\" woodmart_parallax=\"0\" woodmart_gradient_switch=\"no\" woodmart_box_shadow=\"no\" wd_z_index=\"no\" woodmart_disable_overflow=\"0\" row_reverse_mobile=\"0\" row_reverse_tablet=\"0\" el_class=\"kb-consult\"][vc_column]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t<div id=\"wd-68bcf7fc8516a\" class=\" wd-rs-68bcf7fc8516a wd-info-box wd-wpb text-left box-icon-align-top box-style- color-scheme- wd-bg-none border-btm-title \">\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<h2 class=\"info-box-title title wd-font-weight-600 box-title-style-default font-primary wd-fontsize-m\"><span class=\"ez-toc-section\" id=\"Schedule_Discovery_Meeting_Now\"><\/span>Schedule Discovery Meeting Now<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t<style><\/style>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[vc_row_inner content_placement=\"middle\" el_class=\"client-review-secs box--card\" woodmart_css_id=\"672e712482714\" responsive_spacing=\"eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2NzJlNzEyNDgyNzE0Iiwic2hvcnRjb2RlIjoidmNfcm93X2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=\" mobile_bg_img_hidden=\"no\" tablet_bg_img_hidden=\"no\" woodmart_parallax=\"0\" woodmart_gradient_switch=\"no\" woodmart_box_shadow=\"no\" wd_z_index=\"no\" woodmart_disable_overflow=\"0\" row_reverse_mobile=\"0\" row_reverse_tablet=\"0\"][vc_column_inner width=\"1\/3\" woodmart_css_id=\"671780b35b49a\" parallax_scroll=\"no\" woodmart_sticky_column=\"false\" wd_collapsible_content_switcher=\"no\" wd_column_role_offcanvas_desktop=\"no\" wd_column_role_offcanvas_tablet=\"no\" wd_column_role_offcanvas_mobile=\"no\" wd_column_role_content_desktop=\"no\" wd_column_role_content_tablet=\"no\" wd_column_role_content_mobile=\"no\" mobile_bg_img_hidden=\"no\" tablet_bg_img_hidden=\"no\" woodmart_parallax=\"0\" woodmart_box_shadow=\"no\" responsive_spacing=\"eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2NzE3ODBiMzViNDlhIiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=\" wd_z_index=\"no\"]\t\t<div id=\"wd-68874e76cd7bc\" class=\"wd-image wd-wpb wd-rs-68874e76cd7bc text-left \">\n\t\t\t\n\t\t\t<img decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/wcginc.com\/wp-content\/uploads\/265518_2057667071_tax_consultation_300-1.webp\" class=\"attachment-full size-full\" alt=\"Request a Meeting with WCG Inc\" \/>\n\t\t\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner width=\"2\/3\" woodmart_css_id=\"671780c0415fb\" parallax_scroll=\"no\" woodmart_sticky_column=\"false\" wd_collapsible_content_switcher=\"no\" wd_column_role_offcanvas_desktop=\"no\" wd_column_role_offcanvas_tablet=\"no\" wd_column_role_offcanvas_mobile=\"no\" wd_column_role_content_desktop=\"no\" wd_column_role_content_tablet=\"no\" wd_column_role_content_mobile=\"no\" mobile_bg_img_hidden=\"no\" tablet_bg_img_hidden=\"no\" woodmart_parallax=\"0\" woodmart_box_shadow=\"no\" responsive_spacing=\"eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2NzE3ODBjMDQxNWZiIiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=\" wd_z_index=\"no\"]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t<div id=\"wd-68bcfccd83cf7\" class=\" wd-rs-68bcfccd83cf7 wd-info-box wd-wpb text-left box-icon-align-top box-style- color-scheme- wd-bg-none with-btn box-btn-static \">\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>Ready to schedule now and talk about S Corp and reasonable salary and all that gibberish? Let's do it! Here is a link to a Discovery Meeting with one of our Partners or Senior Tax Professionals to understand your tax footprint and objectives, and how <strong>WCG CPAs &amp; Advisors<\/strong> might help.<\/p>\n<\/div>\n\n\t\t\t\t\t\t<div class=\"info-btn-wrapper\"><div id=\"wd-6a31c1a89d48c\" class=\"  wd-button-wrapper text-left\"><a href=\"https:\/\/calendly.com\/wcg-cpas-advisors\/discovery-meeting-instant\" title=\"\" target=\"_blank\" class=\"btn btn-style-default btn-shape-rectangle btn-size-default\">Schedule Meeting<\/a><\/div><\/div>\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t<style><\/style>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/div>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Most people have a pretty good handle on personal finance and basic retirement savings, and while the principles are generally the same in the small business world, a lot of business owners have a deer caught in your headlights at 2:00AM look when it[&#8230;]<\/p>\n","protected":false},"author":6,"featured_media":4238,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"epkb_post_type_1_category":[72],"epkb_post_type_1_tag":[],"class_list":["post-13948","epkb_post_type_1","type-epkb_post_type_1","status-publish","has-post-thumbnail","hentry","epkb_post_type_1_category-chap-12-retirement-planning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Small Business Retirement Planning - WCG CPAs &amp; Advisors<\/title>\n<meta name=\"description\" content=\"Planning to retire from your small business? Learn to plan accordingly and what to watch for when considering this next step in life.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retirement Planning Within Your Small Business\" \/>\n<meta property=\"og:description\" content=\"Planning to retire from your small business? Learn to plan accordingly and what to watch for when considering this next step in life.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/\" \/>\n<meta property=\"og:site_name\" content=\"WCG CPAs &amp; Advisors\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-26T17:09:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/wcginc.com\/wp-content\/uploads\/2020\/06\/3000X3000_2-scaled-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2048\" \/>\n\t<meta property=\"og:image:height\" content=\"2048\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Small Business Retirement Planning - WCG CPAs &amp; Advisors","description":"Planning to retire from your small business? Learn to plan accordingly and what to watch for when considering this next step in life.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/","og_locale":"en_US","og_type":"article","og_title":"Retirement Planning Within Your Small Business","og_description":"Planning to retire from your small business? Learn to plan accordingly and what to watch for when considering this next step in life.","og_url":"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/","og_site_name":"WCG CPAs &amp; Advisors","article_modified_time":"2026-01-26T17:09:35+00:00","og_image":[{"width":2048,"height":2048,"url":"https:\/\/wcginc.com\/wp-content\/uploads\/2020\/06\/3000X3000_2-scaled-1.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/","url":"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/","name":"Small Business Retirement Planning - WCG CPAs &amp; Advisors","isPartOf":{"@id":"https:\/\/wcginc.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/#primaryimage"},"image":{"@id":"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/#primaryimage"},"thumbnailUrl":"https:\/\/wcginc.com\/wp-content\/uploads\/2020\/06\/3000X3000_2-scaled-1.jpg","datePublished":"2024-12-29T18:25:44+00:00","dateModified":"2026-01-26T17:09:35+00:00","description":"Planning to retire from your small business? Learn to plan accordingly and what to watch for when considering this next step in life.","breadcrumb":{"@id":"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/#primaryimage","url":"https:\/\/wcginc.com\/wp-content\/uploads\/2020\/06\/3000X3000_2-scaled-1.jpg","contentUrl":"https:\/\/wcginc.com\/wp-content\/uploads\/2020\/06\/3000X3000_2-scaled-1.jpg","width":2048,"height":2048,"caption":"WCG"},{"@type":"BreadcrumbList","@id":"https:\/\/wcginc.com\/kb\/retirement-planning-within-your-small-business\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/wcginc.com\/"},{"@type":"ListItem","position":2,"name":"Retirement Planning Within Your Small Business"}]},{"@type":"WebSite","@id":"https:\/\/wcginc.com\/#website","url":"https:\/\/wcginc.com\/","name":"wcginc.com","description":"","publisher":{"@id":"https:\/\/wcginc.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/wcginc.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/wcginc.com\/#organization","name":"wcginc.com","alternateName":"WCG CPAs & Advisors","url":"https:\/\/wcginc.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/wcginc.com\/#\/schema\/logo\/image\/","url":"https:\/\/wcginc.com\/wp-content\/uploads\/wcg-logo.png","contentUrl":"https:\/\/wcginc.com\/wp-content\/uploads\/wcg-logo.png","width":521,"height":137,"caption":"wcginc.com"},"image":{"@id":"https:\/\/wcginc.com\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/wcginc.com\/wp-json\/wp\/v2\/epkb_post_type_1\/13948","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wcginc.com\/wp-json\/wp\/v2\/epkb_post_type_1"}],"about":[{"href":"https:\/\/wcginc.com\/wp-json\/wp\/v2\/types\/epkb_post_type_1"}],"author":[{"embeddable":true,"href":"https:\/\/wcginc.com\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/wcginc.com\/wp-json\/wp\/v2\/comments?post=13948"}],"version-history":[{"count":1,"href":"https:\/\/wcginc.com\/wp-json\/wp\/v2\/epkb_post_type_1\/13948\/revisions"}],"predecessor-version":[{"id":90413,"href":"https:\/\/wcginc.com\/wp-json\/wp\/v2\/epkb_post_type_1\/13948\/revisions\/90413"}],"wp:attachment":[{"href":"https:\/\/wcginc.com\/wp-json\/wp\/v2\/media?parent=13948"}],"wp:term":[{"taxonomy":"epkb_post_type_1_category","embeddable":true,"href":"https:\/\/wcginc.com\/wp-json\/wp\/v2\/epkb_post_type_1_category?post=13948"},{"taxonomy":"epkb_post_type_1_tag","embeddable":true,"href":"https:\/\/wcginc.com\/wp-json\/wp\/v2\/epkb_post_type_1_tag?post=13948"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}