Whether you work for a company or run your own business, are you making the most of your retirement plan? Many folks I meet leave money on the table. In addition, with the job market becoming more unsteady, making saving a priority is key.

Here’s how to seize the opportunity:

• Are you a Highly Compensated Executive?
  You may have access to deferred comp plans to save all or most of your income and bonus on a pre-tax basis. These are non-qualified plans with additional considerations to discuss with your advisor, but they’re a valuable option to explore. Selections done annually towards the end of the year.
• Self-Employed with no employees?
  A Solo 401(k) lets you save up to $70,000 in 2025 ($77,500 if 50+, $81,250 if 60-63), blending employee and employer contributions. It’s a powerhouse for tax savings and retirement growth, especially if you’re a solopreneur.
• Own a Larger Business?
  Design a robust 401(k) with low-cost, custom mutual funds and a reputable custodian (like Schwab) to attract talent and maximize savings.
• Work for a Company?
  The 2025 401(k) contribution limit is $23,500, with a $7,500 catch-up if you’re 50+ ($11,250 for ages 60-63). Adjust payroll contributions now to hit the max by year-end. Check with HR to ensure contributions stop at the limit. Also, does your plan have a self-directed brokerage option?
• Have Multiple Plans?
  Some of you may have more than one retirement plan offering. Savvy savers can max out multiple plans—e.g., a 403(b) plus a 457(b) allow $47,000 combined ($62,000 if 50+, $69,500 if 60-63 with both plans offering the age-60 catch-up). Check plan rules to double down.
• Looking Ahead to 2026?
  Official numbers come later this year but some suggest the 401(k) limit may rise to $24,500. Verify 2026 401(k) limits later and adjust contributions.
• Have a retirement plan with an old employer?
  Consider rolling it over to an IRA for broader, cheaper investment options and greater flexibility.

We currently manage 401(k)s (employer, corporate, individual), 403(b)s, 457(b)s, 401(a)s, IRAs, Roth IRAs, and executive deferred compensation plans with tailored solutions designed to maximize your savings. As fiduciaries, we prioritize your best interests—optimizing your savings, asset allocation, and tax strategies.