Small Business Retirement Plans | FBS Securities
Retirement Solutions Designed for Business Owners
At FBS Securities, we understand that small business owners and high earners face unique challenges when it comes to planning for retirement. Balancing the needs of your business with your personal financial goals requires strategies that go beyond traditional investment advice. That’s why our Small Business Retirement Plans are designed to protect your wealth, maximize tax advantages, and ensure you and your employees are on the path to long-term financial security.
As a fiduciary Registered Investment Advisor (RIA), we act in your best interest at all times. Our boutique approach allows us to deliver personalized strategies that larger institutions often overlook. Whether you’re a sole proprietor, a family-owned company, or a growing enterprise, FBS Securities can help you build retirement plans that are smart, compliant, and customized for your future.
Why Small Business Retirement Plans Matter
Offering a retirement plan is more than just a financial decision. It’s a strategic move that benefits both you and your employees:
- Attract and Retain Talent – In competitive markets, benefits like retirement plans make your business stand out.
- Maximize Tax Advantages – Contributions may be tax-deductible for your business while reducing taxable income.
- Build Personal Wealth – As an owner, your retirement contributions can accelerate your long-term savings.
- Strengthen Employee Loyalty – Providing a retirement pathway shows you are invested in your team’s future.
With the right plan in place, you create a win-win situation: employees save for retirement, and you gain financial, tax, and cultural advantages for your business.
Our Retirement Plan Options
FBS Securities provides access to a variety of small business retirement plans tailored to your structure, size, and growth stage. Some of the most effective options include:
401(k) Plans
A traditional choice that allows both employers and employees to make contributions. We can design plans with matching contributions, profit-sharing options, and flexible investment menus.
Solo 401(k) Plans
Perfect for self-employed individuals or businesses with no employees other than the owner and spouse. These plans allow for higher contribution limits and can be a powerful tax-saving vehicle.
Simplified Employee Pension (SEP) IRAs
A cost-effective, easy-to-administer plan that allows business owners to contribute to their own retirement while also funding employee accounts.
SIMPLE IRAs
Designed for businesses with fewer than 100 employees, SIMPLE IRAs are straightforward and affordable, offering both employer and employee contributions.
Cash Balance Plans
For high-earning business owners, cash balance plans combine features of pensions and 401(k)s, offering significant tax deferral opportunities while accelerating retirement savings.
No matter which plan you choose, we ensure it aligns with your financial goals, tax strategy, and long-term vision for your business.
Fiduciary Guidance You Can Trust
When it comes to managing retirement assets, trust matters. As a fiduciary, FBS Securities is legally obligated to put your interests first. We avoid conflicts of interest and provide transparent, unbiased recommendations. Every strategy we design for small business retirement plans is rooted in careful analysis, proactive risk management, and a focus on helping you and your employees achieve financial independence.
Unlike one-size-fits-all providers, we build boutique strategies tailored to your business size, employee demographics, and personal retirement goals.
Serving Business Owners Across Texas
We proudly provide Small Business Retirement Plans to business owners across Texas, including:
- Westlake
- Hunters Creek Village
- Piney Point Village
- Highland Park
- West Village
- Bunker Hill Village
- West University Place
- Frisco
- Plano
- Allen
- McKinney
No matter where your business is located in Texas, our team is ready to deliver high-touch guidance and support.
Take the First Step Toward Your Retirement Plan
The earlier you start, the more powerful your retirement strategy becomes. At FBS Securities, we make it easy for small business owners to take action today. Whether you’re considering your first plan or looking to improve an existing one, we can design a solution that grows with your business and supports your future.
Consult with us today: 214-307-4320
Visit our office: 3900 S Stonebridge Dr., Suite 1104, McKinney, TX 75070.
Let FBS Securities help you put in place wealth strategies built for business owners and high earners because your future deserves more than a plan; it deserves a strategy.
FAQ
IRC 1202 / QSBS & Other Tax-Efficient Investing Strategies
Qualified Small Business Stock (QSBS) refers to shares in certain early-stage or growth companies that qualify for special tax breaks under IRS Section 1202. If you meet the requirements, you can potentially sell your shares and avoid paying federal capital gains tax on a large portion of the profit.
Section 1202 was designed to encourage investment in small businesses. It allows eligible investors and founders to exclude some or all capital gains from federal taxes when they eventually sell their stock. This can mean millions in tax savings if the company grows significantly in value.
To qualify:
- The company must be a domestic C-corporation.
- Its gross assets can’t exceed $50 million at the time of stock issuance.
- The business must be engaged in an active trade or business (not certain excluded fields like finance, law, or hospitality).
- The stock must be acquired directly from the company (not on the secondary market).
If you qualify, you may be able to exclude up to 100% of capital gains from federal taxes. The exclusion amount is capped at the greater of $10 million or 10 times your original investment. That means big potential upside for founders, early employees, and investors.
Yes. The standard exclusion is up to $10 million per taxpayer per company, but if your investment was larger, you may exclude up to 10x your cost basis. For example, if you invested $3M, you could potentially shield $30M in gains from federal taxes.
Most operating companies qualify—think tech startups, manufacturing, biotech, or product-based businesses. Excluded categories include service-based businesses like law firms, accounting practices, and certain financial services companies.
You need to hold the shares for at least five years before selling to take advantage of the Section 1202 exclusion. Selling earlier generally disqualifies you, though there are some exceptions if you roll the stock into another qualified investment under Section 1045.
Founders often:
- Split ownership among family members or trusts to multiply the $10M exclusion.
- Plan secondary sales carefully to keep stock eligible.
- Use early structuring (like starting as a C-corp from the beginning) to ensure eligibility down the road.
Yes, if they purchase stock directly from a qualifying startup and meet the five-year holding rule. For angels, this makes investing in early-stage companies even more attractive, since the upside can be partially or fully tax-free if the company succeeds.
FAQ
NQDC (Non-Qualified Deferred Compensation)
An NQDC plan is an agreement between a company and an employee, usually an executive or highly paid professional, that lets the employee set aside part of their pay to be received later, often in retirement. Unlike a 401(k), these plans don’t have strict IRS contribution limits, giving high earners more room to defer income and plan ahead.
For executives who already max out their 401(k) and other qualified plans, NQDC is a way to continue saving without hitting those limits. It allows them to defer salary, bonuses, or other compensation, reducing current taxable income while building up future retirement funds. It’s essentially a tool for wealth building that keeps working even after the standard retirement accounts cap out.
Yes. When an employee chooses to defer a portion of their pay into an NQDC plan, that money isn’t counted as taxable income for that year. Taxes only apply later, when the money is actually distributed, usually at retirement or another agreed-upon date.
The big difference is flexibility. A 401(k) has annual contribution caps ($23,000 in 2025, plus $7,500 catch-up if age 50+), strict withdrawal rules, and government oversight. NQDC plans don’t have those contribution caps, but they do come with risk: the funds are essentially a promise from the company to pay in the future, not a separate protected account like a 401(k).
Yes. Because deferred funds remain part of the company’s general assets, if the company faces bankruptcy or financial trouble, employees could lose their deferred compensation. That’s the trade-off for the higher contribution limits and tax deferral flexibility.
Typically, NQDCs are offered to top executives, partners, and highly compensated employees. Businesses don’t usually extend them to the entire workforce, because these plans are meant to supplement, rather than replace, qualified plans like 401(k)s.
Commonly deferred income includes base salary, annual bonuses, commissions, and long-term incentive pay. The company and employee agree in advance on what portion of compensation will be set aside and when it will be paid back out.
When the money is eventually paid out, it’s taxed as ordinary income. There’s no special capital gains treatment like you might get with investments. However, the advantage is that employees often schedule payouts for years when they expect to be in a lower tax bracket, such as during retirement.
Absolutely. Once a high earner hits the 401(k) contribution ceiling, an NQDC plan is one of the few remaining ways to keep deferring income and reducing current taxes. It gives executives a way to save significantly more than qualified plans allow.