Business Owner Financial Planning & Retirement Plans

Business Owner Solutions

Where Business and Personal Planning Meet

Business owners face a unique and complex set of financial decisions.

Your income, taxes, and long-term plans are often tied directly to your business, and the choices you make there can have significant impact on your personal financial life.

We help you think through both sides together.

Whether you are building, scaling, or contemplating what comes next, our role is to bring structure to those decisions and help ensure they are working toward the same outcome.

With our roots in Denver and headquarters in the Denver Tech Center, we've had the opportunity to work alongside business owners navigating these decisions at every stage—from building and growing a business to preparing for what comes next.

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Our Business Owner Planning Approach

Business owner financial planning requires looking beyond individual decisions to understand how your business and personal financial life work together. Our approach integrates retirement plan design, business succession planning, investment management, tax planning considerations, cash flow, and long-term wealth planning into one coordinated strategy. Rather than treating your business and personal finances separately, we help ensure each decision supports your broader financial goals.

We help business owners evaluate and implement retirement plans that align with both their business and personal goals. From Solo 401(k)s and Profit Sharing Plans to Cash Balance Plans, the right structure can create meaningful tax advantages while helping build long-term wealth.

For business owners here in Colorado and beyond, we help evaluate which plan design fits the business today while considering how those needs may change as the company grows.

The decisions business owners face

Owning a business creates opportunities that many individuals never encounter—but it also brings added complexity. Every decision about your business has the potential to affect your personal finances, and vice versa.

Our role is to help you think through those decisions in context, so you're not evaluating retirement plans, tax strategies, succession planning, or investments in isolation. Instead, we help ensure each piece supports your broader financial goals.

Balancing Business and Personal Wealth

Your business and personal finances are closely connected, and decisions in one area affect the other. We help you create a strategy that supports both growth and financial security.

Planning For What Comes Next

The goal is to make sure future decisions are intentional, not reactive. Whether you are stepping back, preparing for a transition, or simply thinking ahead, we help you explore your options with the end in mind.

Retirement Plan Design for Business Owners

We help you evaluate and implement retirement plans that align with both your business and personal goals. The right structure can create meaningful tax advantages while building long-term wealth.

Explore Our Business Owner Planning solutions

Each area below addresses a specific planning need. Together, they form a coordinated strategy designed to help support both your business and your personal financial life.

Solo 401(k) Plans

Designed for self-employed business owners with no employees other than a spouse.

Solo 401(k) Plans

Cash Balance plans

May allow business owners to make significantly larger retirement contributions than traditional defined contribution plans.

Cash Balance Plans

Profit sharing plans

Offer businesses greater flexibility in how employer contributions are made.

Profit Sharing Plans

Frequently Asked Questions

1. what retirement plan is best for a business owner?

There isn't a one-size-fits-all retirement plan for business owners. The right solution depends on factors such as your business structure, number of employees, profitability, cash flow, and long-term financial goals. Some business owners may benefit from a Solo 401(k), while others may find that a Profit Sharing Plan or Cash Balance Plan offers greater flexibility or higher contribution opportunities. In many cases, these strategies can also provide meaningful tax advantages while helping you build retirement savings. Rather than recommending the same solution for every business, we evaluate your business and personal financial picture together to determine which retirement plan best supports your goals today and as your business evolves.

2. how is financial planning for business owners different from traditional financial planning?

Business owners often face financial decisions that extend well beyond traditional investment management. Your income, retirement savings, tax strategies, business value, and long-term wealth are frequently interconnected, making planning more complex than it is for many individuals. Our approach considers both your business and personal financial life together, helping ensure that decisions made in one area support your broader financial goals.

3. why should my business and personal financial plans be coordinated?

For many business owners, the business represents both a source of income and one of their largest assets. Decisions involving compensation, retirement plans, taxes, reinvestment, or succession planning can all have a significant impact on your personal financial future. By coordinating your business and personal planning, you can make more informed decisions and work toward a strategy that supports both your company and your long-term financial objectives.

4. When should I begin planning for the future transition or sale of my business?

The best time to begin planning for a business transition is often years before you expect to sell, transfer, or step away from the business. Early planning provides greater flexibility and allows you to evaluate succession options, retirement readiness, tax considerations, and how the value of your business fits into your overall financial plan. Whether you're preparing for a future sale or simply beginning to think about what's next, proactive planning can help create more choices when the time comes.

5. How does tax planning fit into financial planning for business owners?

Taxes can influence many of the financial decisions a business owner makes, from how income is taken from the business to retirement plan contributions, investment decisions, and the timing of a future transition or sale. Financial planning can help identify where those decisions intersect and evaluate strategies with the broader financial picture in mind. When appropriate, we can also coordinate with your CPA or other tax professionals so that your financial and tax strategies work together.

6. do you work with business owners outside of colorado?

Yes. While Andstead Advisors is headquartered in Denver's Denver Tech Center, we work with business owners throughout Colorado and across the country. Whether you prefer to meet in person at our office or virtually, our planning process is designed to provide ongoing guidance tailored to your business and personal financial goals.

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What is the best retirement plan for a small business owner?

Learn how to choose the best retirement plan for your business. Compare Solo 401(k)s, SEP IRAs, and Profit Sharing Plans to determine which option best aligns with your goals, employees, and tax strategy.

What Is a Cash Balance Plan and Is It Right for Your Business?

Learn how cash balance plans work, how they compare with a 401(k), and why certain business owners use them to increase retirement savings and potentially create valuable tax deductions.

Connect Your Business & Financial Decisions

Based in Denver's Denver Tech Center, we work with business owners throughout Colorado and across the country who are navigating the financial complexities of building, growing, and eventually transitioning a business. Whether you're evaluating retirement plan options, planning for a future sale, or balancing business growth with personal wealth, every recommendation is made with both sides of your financial life in mind.

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