Small Business Solutions Schwab has the small business products and services to help you reach your goals. From retirement plans to short-term loans, the business solutions you need are here in one convenient place. Small Business Retirement Plans Schwab offers plans for businesses of any size. Use the information here to begin narrowing your options, or simply give us a call for help choosing the right plan for your business, whether your company employs one or many. Individual 401(k) Plan
If you're self-employed or run an owner-only business, you can make substantial contributions toward your retirement with an Individual 401(k) plan. It’s easy to administer and has many of the same benefits as a traditional 401(k). Best of all, you direct how your contributions are invested.
SEP-IRA
A SEP-IRA is one of the easiest small business retirement plans to set up and maintain. You can make sizable contributions for yourself and any eligible employees. There's little administration, and tax filing isn't required. And you can vary contributions from year to year—or even skip a year.
SIMPLE IRA
A Savings Investment Match Plan for Employees (SIMPLE IRA) is an easy and low-cost way to set up a retirement program for self-employed individuals and small businesses with 100 or fewer employees. Eligible employees can fund their own SIMPLE IRA accounts through regular salary deferrals and Employers make additional contributions.
Personal Defined Benefit Plan
Schwab's Personal Defined Benefit Plan helps self-employed and small business owners save aggressively for retirement by allowing you to make very high contributions. Just target a desired level of retirement income, and contribution amounts are adjusted each year to help you reach your goal.
401(k) Plans for Businesses
Schwab makes it easy to get a retirement plan that's individually designed for your business, regardless of its size. With a 401(k) plan, employees can typically make larger salary deferrals than with other retirement plans, and your business gets tax benefits.
Company Retirement Account
If you're the administrator of an established customized retirement plan, a Schwab Company Retirement Account (CRA) might be right for you. A Schwab CRA (also known as a "pension trust") holds your plan’s assets, gives you expanded investment options, and lets you access Schwab’s retirement planning tools, research, and resources.
A brokerage account to invest in your legacy.
When you open a Schwab Organization Account, you can receive the benefits of wealth management at Schwab—choice, value, advice, transparency with the added convenience of managing your personal and organization investments in one place.
Small Business Retirement Plans
Schwab offers a full range of plans for businesses of any size, from SEP-IRAs to 401(k)s. We can help you choose a plan that fits your business and helps attract and retain employees.
