For readers · Before You Sell
Owner retirement plans
A reader page for Before You Sell, on exit planning and the retirement plans owners use while they still own the company, including a solo 401(k) and a cash balance plan.
By James R. Ustby, CFP®. The plan you fund before a sale changes how much of your wealth sits outside the business on the day you leave. This page is the short companion to that part of the book.
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What readers get
The companion worksheet, and where to go next.
- The companion worksheet. Space to write which owner retirement plan you have, what you put in last year, and what you want to ask your CPA before a sale. A solo 401(k) and a cash balance plan are two of the plans the book walks through. The right one depends on employees, wages, and profits.
- The Exit Readiness Scorecard. A separate free self-assessment from the same book: 25 statements across six areas of exit readiness. Get the scorecard.
- Chapter resources already on this site. Printable worksheets for comparing offers, your deal team, and the proceeds, plus the retirement plan limits from the book notes. Open the reader resources.
On this site
- Before You Sell on Amazon
- Exit Readiness Scorecard
- Free reader resources for Before You Sell
- Owner retirement plan calculator
- Cash balance plans: how much an owner can put in
- Solo 401(k) limits
- Outside the Business
- Rollover checklist from One Basket
- Business owner lessons
Educational only. Not tax, legal, or investment advice. Joining the list does not create an advisory relationship. Consult your own CPA, attorney, and advisors about your situation.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates.
The LPL Financial registered representative associated with this site may discuss and transact securities business only with residents of the states in which they are properly registered or licensed. No offer may be made or accepted from any resident of any other state.
This material is for general information only and is not intended to provide specific advice or recommendations for any individual. Neither LPL Financial nor its representatives provide legal or tax advice; please consult your attorney or tax advisor regarding your specific situation. No strategy assures success or protects against loss. Examples are hypothetical and for illustration only.