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Small Business Retirement Plans

HathawayFinancial offers a number of retirement plans for small businesses.

Individual 401(k) -

Traditional and Roth

Who it's for:

Owner-only businesses with no employees

Key features:

  • Traditional and Roth contributions
  • High contribution limits
  • Flexible annual contributions up to $70,000
  • No IRS filing or reporting

Who can contribute:

Employer and employee as owner

SEP RIA

Who it's for:

Owner-only businesses with 0 to 3 employees

Key features:

  • No IRS filing or reporting
  • Allows for employer contributions for eligible participants up to $70,000

Who can contribute:

Employer only

SIMPLE IRA -

Traditional and Roth

Who it's for:

Businesses with up to 100 employees

Key features:

  • Primarily funded with employee salary-deferral contributions
  • Employer-matched contributions


Who can contribute:

Employer and employee

sean@hathawayfinancial.com - 1-971-409-4180 - Almaden, San Jose, California