For Businesses
OTHER RETIREMENT PLANS
Retirement Plan Options Beyond the 401K
Not every business or individual needs a traditional 401(k) plan. For small businesses, self-employed professionals, and sole proprietors, there are a number of other flexible, effective ways to save for retirement. Zenith Wealth Management helps you evaluate these alternatives, understand the differences, and choose a plan that fits your situation. Our goal is to simplify the process and provide ongoing support—so your retirement plan is easy to manage and built to grow with you.
401K Plans and Participants Services
SIMPLE IRA PLANS
A SIMPLE IRA is a streamlined retirement option for small businesses seeking an easy-to-manage plan with immediate employee benefits. Designed for companies with fewer than 100 employees, it allows pre-tax employee contributions and requires fully vested, tax-deductible employer contributions. SIMPLE IRAs are simple to establish, involve minimal administration, and avoid complex compliance testing. Zenith Wealth Management helps you evaluate whether a SIMPLE IRA is the right fit and provides guidance for setup and ongoing support.
SEP IRA Plans
A SEP IRA is a flexible retirement solution for business owners and self-employed individuals who want a simple plan with higher contribution potential. Funded solely by the employer, SEP IRAs allow tax-deductible contributions for both the business owner and eligible employees. These plans are easy to establish, involve minimal paperwork, and offer flexibility to adjust contributions year to year based on business performance. Zenith Wealth Management helps you evaluate whether a SEP IRA fits your goals and provides guidance to simplify setup and ongoing management.
INDIVIDUAL 401K PLAN BASICS
An Individual 401(k), also known as a Solo or Uni 401(k), is designed for business owners and their spouses who want the flexibility and contribution potential of a traditional 401(k). These plans allow both employee and employer contributions, often resulting in higher savings opportunities compared to other small-business retirement plans. Individual 401(k)s are also exempt from many ERISA requirements, making them simpler to administer. We can help you determine if an Individual 401(k) is right for you and provides guidance to set up and manage the plan with ease.
Explore more ways Zenith can guide you toward your highest financial goals.
Our Approach
At Zenith Wealth Management, our process is built to give you clarity, confidence, and steady progress toward your financial goals—guided by a team that’s fully invested in your success.
Discover
We begin by listening closely—understanding your goals, priorities, and unique financial picture—then build a personalized plan designed to move you toward long-term success.
Your plan and portfolio are thoughtfully constructed to support your plan, using tailored investment strategies aligned with your objectives, risk tolerance, and time horizon.
Plan & Invest
Optimize
Life changes, markets shift, and goals evolve. We continuously review your plan and portfolio, making adjustments as needed to keep you confidently progressing toward your highest financial goals.