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Retirement Planning For Small Businesses

Planning for retirement as a small business owner comes with unique challenges, from income unpredictability to prioritizing business growth over personal savings. However, with the right strategies, you can secure your financial future and retire confidently.

Options like SEP IRAs, Solo 401(k)s, and defined benefit plans offer powerful tools for tax-efficient savings. Diversifying beyond your business, building a succession plan, and maximizing tax advantages are key to reducing risk and enhancing retirement readiness. Partnering with experienced financial advisors ensures you have a personalized plan that adapts to your evolving needs.

Ready to take the next step in your small business journey? Learn more below regarding creating a roadmap to retire with confidence.

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Promoting From Within

We are thrilled to announce the promotion of two of our Client Service Associates to Client Service Managers and two of our Relationship Managers to Senior Relationship Managers.

If you speak with Suzie Schroeder, Stephen Kleczkowski, David Plouffe or Ashley Barrett, know they are working hard on your behalf!

At Moneco, we believe in nurturing talent from within because no one understands our commitment to exceptional client service better than those who’ve been a part of delivering it every day. These promotions reflect our dedication to fostering growth within our team, ensuring that your trusted advisors continue to have the resources and support to serve you at the highest level.

Promoting from within also means that our service and relationship Managers step into their roles with deep knowledge of our firm’s processes and a strong connection to your goals and needs. This continuity enables us to maintain the personalized service and proactive care you’ve come to expect from us as a team. We’re excited about the opportunities these leadership changes will bring as we continue to enhance the ways we serve you.

Firm Announcement

Looking Ahead: Post-November Rally

November saw the markets rally to new all-time highs following the U.S. presidential election, as investors focused on the anticipated policies of the incoming administration. The S&P 500 climbed +6.0%, its largest monthly gain of the year, while the Russell 2000 surged +11.1%, driven by strong performances from smaller companies.

Treasury yields initially rose due to expectations of increased fiscal spending, tax cuts, and higher deficits but reversed course later in the month, leading to positive bond returns.

Looking ahead, we are are closely watching developments in tax policy, trade, immigration, and deregulation. Key discussions include potential extensions of prior tax cuts, trade policy shifts involving tariffs, and strategies to promote economic growth through deregulation. These policy changes, along with inflation concerns and Federal Reserve actions, could shape market dynamics in the coming months.

Please click below to learn more and reach out to us should you have any questions in planning for year-end or for the year ahead.

Learn More Here

Important Disclosures

^{This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes. Investing involves risks including possible loss of principal. Any economic forecasts set forth may not develop as predicted and are subject to change.}

^{Moneco Advisors, LLC and LPL Financial are not affiliated with any other referenced entity.}

^{This commentary reflects the personal opinions, viewpoints and analyses of the Moneco Advisors employees providing such comments, and should not be regarded as a description of advisory services by Moneco Advisors or performance returns of any Moneco Advisors client. The views reflected in the commentary are subject to change at any time without notice. Nothing in this commentary constitutes investment advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Moneco Advisors manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.}

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