KBS Accounting

If you’re self-employed, your retirement plan can also become one of your most important tax planning tools.

Many business owners automatically open a SEP IRA without realizing that a Solo 401(k) may provide greater flexibility and potentially higher contribution opportunities at certain income levels.

The right strategy depends on several factors, including:
• business structure
• income level
• payroll setup
• long-term goals
• whether Roth contributions make sense for you

With several SECURE 2.0 retirement plan changes taking effect in 2026, proactive planning has become even more important for many business owners.

Retirement planning is not one-size-fits-all, and the best option is not always the most commonly used one.

March is when many business owners discover what the year actually cost them.

By the time we’re preparing the return, the strategy window has already closed.

Tax preparation looks backward.
Tax planning looks forward.

If you’re asking:

• Why do I owe this much?
• Should I change my entity?
• Am I handling estimates correctly?

Those are planning conversations.

If this year felt reactive, let’s make next year proactive.

📍 Serving business owners in Yardley and throughout Bucks County

Save this for later. Planning season starts after filing season