Retirement & Wealth Planning
Turning Today’s Success Into Long-Term Security
Retirement & Wealth Planning
Wealth planning isn’t something that happens after the business is successful—it’s built alongside it. At BTO–CPA PLLC, we help business owners integrate retirement and wealth planning into their overall financial strategy.
Our goal is to ensure that the income you generate today translates into lasting financial security tomorrow—without unnecessary tax exposure or missed opportunities.
How We Approach Wealth Planning
We design strategies that align retirement planning with tax efficiency, cash flow, and business goals. Our services often include:
- SEP IRA, Solo 401(k), 412(e)(3), SIMPLE IRA setup and management
- Annuities and life insurance strategies
- Contribution planning for tax efficiency
- Long-term financial and retirement planning
Every recommendation is evaluated for both short-term benefit and long-term impact.
Who This Service is Best For
Designed for individuals and business owners who want intentional, tax-aligned wealth and retirement planning as part of a broader financial strategy. This commonly includes:
- Business owners focused on building long-term, tax-efficient wealth
- High-income individuals seeking to reduce taxes while preparing for retirement
- Clients who want coordinated planning across income, taxes, and investments
- Individuals with complex compensation or variable income structures
- Those who value disciplined planning over reactive financial decisions
These clients seek a cohesive strategy that protects income today while building sustainable, long-term wealth.
Why it Matters
When retirement planning is disconnected from tax and business strategy, opportunities are lost. Integrated planning allows you to protect income, reduce taxes, and build wealth intentionally over time.
The Outcome
You gain a clear, coordinated plan that supports wealth building, tax efficiency, and long-term confidence.