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Support for Small Business
Owners
Business financial planning & investment management
that provides you
with ways to use your business profits to minimize your tax liability while
maximizing your savings.
Aikapa offers a full range of financial planning services for small
businesses located in the San Francisco Bay Area.
Being an entrepreneur
often means that personal and business finances are inextricably
intertwined. Aikapa can help you to navigate those complex waters to
meet near and long-term personal and business goals.
Business Cash Flow Management
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Financial statement &
cash flow review
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Summary of key
financial ratios
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Quarterly financial
meetings & statement review
Turn-key Retirement Plans for business
owners
Plan
A
Ideal
Candidate for our Profit Sharing /401(K) Plan
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Goal to save for
retirement
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Small business owner
with earnings and profit
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Ability to contribute
tax deferred (401K) or after tax (Roth 401K) savings
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Plan setup before year-end
Highlights
of Profit Sharing with a 401(K) Plan
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401(K) is a provision
in a Profit Sharing Plan which allows plan participants to make tax
deferred contributions in addition to employer/contributions
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The maximum contribution for 2011 is $49K.
More for those over age 50
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As an employer you
can
contribute a percentage tax deferred
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As an employee you can also contribute up to a maximum of $16.5K
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Plans can offer loans
to plan participants as well as taxable hardship distributions
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Owner only 401(K)
profit sharing plans are exempt from discrimination tests
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Globally diversified portfolio
Plan
Design and Maintenance
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Design a plan to
meet specific employer requirements including eligibility
requirements, vesting schedules, benefit formulas and distribution
options
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Design a plan to
meet specific employee retirement needs
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Preparation of
plan and trust documents and summary plan descriptions
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Explain and
answer questions related to the plan
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Preparation of
report including summary of trust accounting
Plan
B
Ideal
Candidates for our Pension Plan
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Goal to save
maximally for retirement and reduce taxes dramatically
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Highly compensated
professionals and business owners
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Best for S or C Corp small
business owners with consistent annual income
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Able to complete
documents before year-end
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Able to make
contributions by June of the following year
Highlights of
our Pension Plan
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This is a Defined
Benefit Plan or Pension Plan that allows participants the ability to
make tax deferred company contributions for the owner-employer
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The maximum
contribution is established annually by Actuarial calculations and is
based on several factors including the owner’s age and annual earnings
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Contribution and
earning are tax deferred until withdrawn
Plan Design
and Maintenance
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Design of plan to
meet specific requirements of the employer including eligibility
requirements, vesting schedules, benefit formulas and distribution
options
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Design of plan to
meet individual owner retirement needs based on age and life style
needs
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Preparation of
plan and trust documents and summary plan description
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Explain and
answer questions relating to the plan
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Annual actuarial
estimate of contributions
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Preparation of
report including summary of trust accounting
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Annual tax filing
as required by the IRS
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Investment
portfolio management
Financial Planning for Small Businesses
Business planning includes cash flow stream tracking and alignment, liquidity of investments and purchases, ongoing valuation, expense tracking, concentration or diversification risks, savings, readjusting cash flows, intellectual property, savings strategies, and establishment of alternatives to an exit plan. Often for firms this includes managing cash, valuation and exit strategies.
Call today for a confidential no-risk consultation. |
