Financial Planning for Small Business Owners in Texas

Make your money work on both sides of the ledger

As an owner, your personal goals and company cash flow are connected. Wealth Strategies helps entrepreneurs across Buda, Austin, and Kyle choose retirement plans, design tax-aware strategies, and prepare for transitions—without losing sight of family priorities. We’ll align your plan with growth, hiring cycles, and real-world constraints.

Build the Right Retirement Plan

Group 401(k): Employer-sponsored savings for your team

Offer a competitive benefit that attracts and retains talent. We design plan features (auto-enrollment, match, Roth/pre-tax), coordinate recordkeeper and payroll, oversee investments and fees, and handle notices/testing—so you can focus on the business.

Solo 401(k): Maximum savings for owner-only businesses

Designed for self-employed professionals, a Solo 401(k) allows higher contribution limits and flexibility, making it ideal for maximizing retirement savings when you don’t have employees.

SIMPLE IRA: Cost-effective plans for small businesses

Offering straightforward setup and required employer contributions, SIMPLE IRAs are a tax-advantaged way to provide retirement benefits that attract and retain employees.

SEP IRA: Simple, scalable retirement savings

With easy administration and flexible contributions, SEP IRAs are a practical choice for business owners who want to fund their retirement while supporting their team.

Prepare for What’s Next

Succession planning and risk management

We’ll map scenarios for partner buyouts, leadership changes, and liquidity needs—then coordinate funding with life insurance for buy-sell agreements or key person coverage when appropriate.

A man is sitting at a table holding a glass of wine.

Keep More of What You Earn

 Tax strategies, coordinated with your team

From entity-level choices to timing of distributions, we consider ways to reduce drag while staying within the rules. We work alongside your CPA so recommendations and filings line up, and tie strategies back to tax and estate planning for a complete picture.

Let’s Get Practical

One plan for business and home

We’ll connect payroll, owner draws, benefits, insurance, and personal savings into a single roadmap—so you’re not making decisions in silos.