FREE RESOURCE • 2026 EDITION
The Ultimate Guide to Business Retirement Plans
Five plan types. Updated 2026 IRS limits. Clear comparisons, real-world examples, and a decision framework to help you choose the right structure for your business, and keep more of what you earn.
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Get instant access to RSG's complete 2026 Business Retirement Plan reference — no fluff, just the information you need.
WHAT’S INSDE
Everything You Need to Make the Right Call
RSG’s guide cuts through the jargon and gives you a clear, side-by-side view of every major business retirement plan — so you can stop guessing and start saving smarter.
A clean side-by-side table showing 2026 contribution limits, employee eligibility, and complexity level for all five plan types.
The go-to plan for freelancers and sole proprietors. Up to $72,000 in tax-deferred contributions with almost no paperwork.
The gold standard for growing businesses. Covers Safe Harbor rules, Roth options, matching strategies, and vesting schedules.
Discretionary contributions that flex with your profitability. Stack profit sharing with a 401(k) to hit the $72K annual max.
The most affordable first step for small businesses. Low admin burden, mandatory employer match, up to $17,000 in employee deferrals.
For high-income owners 50+ who want to shelter $200K+ per year. Plus a decision framework to find your best-fit plan fast.
WHO THIS IS FOR
Built for Business Owners of All Shapes and Sizes
Whether you’re a solo consultant just starting to think about retirement or a profitable company looking to maximize deductions, this guide meets you where you are.
✔️ Sole proprietors and freelancers who want to shelter income and have never set up a retirement plan
✔️ Small business owners (2–100 employees) comparing their first employer-sponsored plan options
✔️ Established business owners aged 50+ who want to dramatically accelerate retirement savings and reduce taxable income
✔️ HR and finance teams evaluating whether their current plan is still the right fit as the company grows
✔️ Financial advisors and CPAs who want a polished leave-behind for client meetings
A guide that explains all five plan types in plain English
RSG’s free guide shows you exactly which retirement plan fits your business — in under 10 minutes.
ABOUT RETIREMENT SOLUTION GROUP
Focused Exclusively on Retirement Plans Since 2005
At RSG, we focus exclusively on the qualified retirement plan industry, and are committed to providing fully customized, intelligent retirement solutions to our clients. We embrace challenges, delivering efficient, trustworthy service that supports increased retirement savings.
RSG provides a fully managed service for its clients — specializing in co-fiduciary services, plan design, due diligence, compliance, administration, and education for retirement plan participants.