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Small Business Retirment Plan Graphic

Small Business Retirement Plans

Defined Benefit Plans by Artisans' Financial Services

Defined Benefit plans are funded by the business and promises employees a specific monthly income benefit at retirement. This type of retirement plan allows for large tax deductible contributions to be made annually.

401k Plans

  • Traditional 401k’s allow employees to maximize salary deferral to retirement savings, while the employer can match employee contributions at their discretion. The contributions into a 401k are tax deductible for the business and are pre-tax for the employees
  • Roth 401k’s can be an additional option within a 401k plan, this option allows employees to contribute after-tax money to their 401k’s and then the retirement distributions would be tax free.
  • Solo 401k’s are specifically for Owner-Only Businesses. This type of plan allows an individual to contribute more money than a SEP or SIMPLE IRA allows.


A Simplified Employee Pension Plan (SEP) IRA is a low cost retirement plan that is funded solely by the employing business. Contributions into a SEP IRA are tax-deductible for the business.


A SIMPLE IRA is similar to a 401k, however it is designed for businesses with fewer than 100 employees. Like a 401k the business and the individual employees both contribute to the plan. Unlike the 401k the employer does not have the same discretion on matching contributions, the business must either match 3% to the participating employees or, match 2% to all employees participating or not.

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Investment Products Are Not FDIC Insured
Not Bank Guaranteed
May Lose Value
Not Guaranteed by any Government Agency
Not a Bank Deposit

Securities offered through LPL Financial, Member FINRA, SIPC. Insurance products offered through LPL Financial or its licensed affiliates.

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Delaware, Florida, Massachusetts, Maryland, New Jersey, and Pennsylvania. Artisans' Bank is not a Broker Dealer and is not affiliated with LPL Financial.