Читать книгу The Consulting Bible - Alan Weiss - Страница 29

Use whatever benefit plans make sense for you, but be sure to maximize your ability to put money away in a simplified employee pension individual retirement account (SEP IRA), 401(k), Roth IRA, and similar plans, which are deductible expenses for the company and have caps. Regular IRAs and Roth IRAs are also very worthwhile at younger ages. In many cases, company matching is allowed, though your contributions are from after‐tax funds.

Be aware that if you have regular (W2, full‐time) employees, benefit plans must extend equally to them, which is one of many good reasons to use only part‐time and subcontracting help.⁴

Contribute consistently and maximally to your retirement programs. While there is some catch‐up offered, you will usually lose the ability to make these contributions after early in the following year, denying yourself both a deduction and a contribution to your future. Even if you're just starting out, try to contribute at least partially to your allowed retirement funds.