Wealth with Intention
Money Wisdom for Your Next Chapter
Retirement Plan Options for Business Owners (2026 Guide)
Updated September 2026 with current contribution limits and SECURE 2.0 changes.
You may be familiar with the retirement plans available to employees, but there is a lot of confusion about retirement plans for the self-employed and for business owners. The great news is that if you are self-employed or own a business, you can create retirement plans for yourself and any employees you have. Offering a plan can even benefit your business by attracting quality people who are in it with you for the long haul.
Either way, a huge advantage of having a retirement plan is that you can begin saving for the future. The earlier you start saving, the better, but there is by no means a "wrong" time to start investing or contributing to a plan.
Choosing a plan is one piece of a bigger picture. If you are also wondering how your retirement savings fit alongside your business, your taxes, and your exit plans, take a look at our post on whether business owners need both an accountant and a financial ...
Leah Hadley, AFCĀ®, CDFAĀ®, MAFFĀ®
Founder/Senior Wealth Manager
Leah Hadley is the founder of Intentional Wealth Partners and Intentional Divorce Solutions, sister companies based in Cleveland and serving clients nationwide. Intentional Wealth Partners provides financial planning and wealth management. She specializes in helping women and couples navigate major life transitions with confidence and clarity. She is also the author of Intentional Money: The Modern Woman's Guide to Building Wealth, Purpose, and Peace, host of the "Intentional Divorce Insights" podcast, and a sought-after speaker.
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