We work with Business Owners in properly planning for their future.

YES, I would like to learn how Ford Stokes and The Active Wealth Management Team can help me as a business owner better plan for my family’s future:

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We encourage all business owners to invest their hard-earned money into a SEP IRA.

The biggest advantage of SEP IRAs is that they let employers make huge contributions toward their workers’ retirement savings. SEPs can get set up to contribute up to 25% of salary up to an annual maximum, and that amount is going up in 2019. Maximum contributions are $56,000 in 2019, up from $55,000 in 2018 and marking the third straight year of annual increases.

Self-employed workers are also allowed to use SEP IRAs, but for them, the calculation of the 25% limit is a bit more difficult. That’s because the IRS forces employers to use 25% of net self-employment income, which one must calculate after accounting for the reduction in income from the SEP contribution as well as for other obligations such as self-employment taxes. The net impact is that contributions for self-employed individuals are generally limits to a number that’s slightly less than 20% of original gross income before accounting for the reductions.

Why SEP IRAs are worth a closer look

 401(k) plans are complicated, and that keeps many small businesses from ever pursuing them. With so many administrative and regulatory requirements, having a 401(k) can be a full-time business. By contrast, SEP IRAs-short for Simplified Employee Pension Individual Retirement Arrangements — don’t have all of the obligations that 401(k) plans entail. The clearest example comes when you form an SEP IRA. All it takes is a single form for the IRS, and that’s far less than the pages and pages of plan adoption agreements and related material that employers of all sizes have to look through in order to set up a 401(k) or similar retirement plan.

It’s also easier for small employers and self-employed people to find help with an SEP IRA. We have a streamlined procedure to open SEP IRA accounts. Moreover, once money’s in the account, it’s typically easier to invest, with our firm giving our clients a wide range of investments from which to choose and shape a retirement portfolio.

We help our clients protect and grow their money tax-deferred with comprehensive planning and our actively managed portfolios.


If you are worried about US Federal Tax Rates going up in the future with US Debt now being over $22Trillion, then a ROTH LADDER CONVERSION developed and properly implemented by Active Wealth Management will likely save you hundreds of thousands of dollars during your 30+ year retirement.

College Planning for the Children of Business Owners

If you as a business owner want to invest tax-efficiently with flexibility to fund your children’s college education and also for your own retirement to generate tax-advantaged distributions then we can help you with our strategic investment planning.

Our strategies go beyond any 529 Plan and offer you greater flexibility and tax-advantaged investing.

Bottom Line for Business Owners: We are specifically skilled at helping business owners plan for their future tax-efficiently.