Retirement plan strategies
Coordinate retirement plan design, business cash flow, and owner savings so today's profits support tomorrow's independence.
Business owner tax strategy
Are you paying too much in taxes?
Explore strategies that may help improve tax efficiency, strengthen employee benefits, protect assets, and prepare for business succession.
$25k+taxes paid yearly
$50k+strategy review point
$100k+advanced planning need
Why proactive planning matters
Tax filing looks backward. Strategy looks forward.
Many business owners work hard, generate consistent profits, and still discover their tax bill only after the year is already closed. By then, many planning windows may have passed.
Umanzor Wealth helps owners explore customized strategies that may reduce taxes, build tax-efficient retirement income, protect wealth, and create a stronger long-term plan.
Customized planning areas
Use the tax code as part of a larger wealth strategy.
Executive bonus plans
Review concepts that may help reward key people, retain talent, and align compensation with long-term business value.
Try the bonus calculatorKey person protection
Review insurance and continuity concepts that may help protect the business if a key person is lost.
Buy-sell funding
Discuss funding concepts that can support ownership transition plans created with legal professionals.
Estate and legacy coordination
Connect business planning with beneficiary, liquidity, ownership, and family legacy conversations.
Business succession planning
Prepare for transition, sale, or family succession before decisions become urgent.
Employee retention strategies
Explore benefits and bonus planning concepts that may help keep valuable people engaged.
Business owner services
Executive bonus calculator.
A Section 162 executive bonus plan lets the business reward a key person with a bonus that funds the key person's own retirement strategy. Pick a compensation example — $180,000, $200,000, or $250,000 — slide the bonus percentage between 20%, 25%, and 30%, and see how the numbers can work.
Annual illustration
- Annual bonus paid by the business
- $40,000
- Estimated income tax paid by the key person
- $12,800
- Net annual bonus directed to the key person's retirement plan
- $27,200
- Indicative retirement contributions over 10 years
- $272,000
A qualifying bonus is generally deductible to the business as compensation under IRC Section 162. Actual tax treatment, plan design, and product values vary. This is an educational illustration only — not tax, legal, or investment advice.
Discuss This PlanFit check
This is for profitable owners ready to plan ahead.
Who this is for
- Business owners with consistent profits
- Self-employed professionals
- Owners paying significant taxes yearly
- People seeking proactive strategy instead of reactive tax filing
Who this is not for
- Businesses currently operating at a loss
- People looking for get-rich-quick schemes
- Owners unwilling to plan long term
- Anyone focused only on short-term write-offs without building wealth
How it works
A clear planning path from tax exposure to action.
Diagnose
Review taxes paid, profit pattern, business structure, retirement goals, risk exposure, and future transition plans.
Model
Compare strategy fit, timing, complexity, and long-term value for options that may be available.
Implement
Leave with a prioritized path and coordination points for your CPA, attorney, advisor, or leadership team.
Keep exploring
Planning paths for other clients we serve.
Retirees & Pre-RetireesIncome, market risk, legacyPhysicians & PracticesProfessional income and riskOil & Gas ProfessionalsVariable income and family goalsTrucking CompaniesOwner protection and continuityEducatorsTRS, 403(b), Social SecurityReal Estate ProfessionalsCommission income and wealthHigh-Income FamiliesEstate and generational goals
Start with clarity
Book a business tax strategy session.
If your business paid substantial taxes last year, schedule time to see what planning conversations may be appropriate for your situation.
Book a Business Discovery Call
Umanzor Wealth does not provide tax or legal advice. Clients should consult qualified tax and legal professionals before implementing strategies.