Retirement PlanningWith the Right Retirement Plan, Build a Stronger Financial Future
With the right retirement strategy, you can plan for greater financial efficiency. TransGlobal provides integrated retirement planning, TPA, wealth management, and tax services to support individuals, families, and businesses.
We offer comprehensive retirement planning solutions tailored to the needs of individuals and businesses, including:
- Defined Benefit (DB) Pension Plans
- Combo Plans
- Section 412(e)(3) Plans
- Solo 401(k) Plans
Choose the Tax Planning Strategy That’s Right for You
We create customized tax planning strategies designed to help you optimize your tax position based on your unique financial needs and goals.
Traditional 401(k)
Many employees participate in a Traditional 401(k) plan offered by their employer. Widely adopted by businesses across the United States, these plans help companies:
Solo 401(k)
A Solo 401(k) is designed for self-employed individuals and business owners without employees (other than a spouse), offering tax-efficient retirement planning and flexible contribution options.
Ideal for:
Self-employed retirement planning
Self-employed individuals often have unique retirement and tax planning needs. The right retirement strategy can help maximize retirement savings while providing potential tax advantages.
Ideal for:
See examples of self-employed tax savings programs
Self-Employed tax saving plan examples
| SCHEDULE C INCOME SCENARIO | IRA | SEP | SOLO 401K | Combo Plan Contribution |
|---|---|---|---|---|
| 100,000 | 8,600.00 | 18,587.00 | 51,087.00 | 85,000.00 |
| 150,000 | 8,600.00 | 27,880.00 | 60,380.00 | 115,850.00 |
| 200,000 | 8,600.00 | 37,176.00 | 69,676.00 | 146,500.00 |
The examples are based on 2026 limits and assume age 50+.
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Ever feel stuck between "keep being a landlord forever" and "sell and lose a third of it to taxes"? There's a third option worth knowing about: a Charitable Remainder Trust. You move the property into the trust before selling, the trust sells it tax-free, and instead of a lump sum you get income for life plus a solid tax deduction upfront — the trade-off being it's permanent, and whatever's left goes to charity instead of your kids. Not the right move for everyone, but if you've got a big gain and some charitable intent, it's worth a closer look.
U.S. Pensions- Q&A (Part 2)
The U.S. Social Security system provides benefits not only to retirees but also to their spouses and surviving family members.
U.S. Pensions –Q&A (Part 1)
You need to earn 40 work credits to qualify for Social Security retirement benefits. Typically, you earn one credit per quarter if you make a certain minimum amount, so it usually takes about 10 years of work to accumulate the required credits.
When Is the Most Cost-Effective Time to Do a Roth Conversion?
Simply put, a Roth Conversion is the process of moving money from a pre-tax retirement account—such as a traditional IRA or 401(k)—into a Roth IRA. You’ll need to pay income taxes on the converted amount in the year of the conversion. However, the key benefit is that once the funds are in a Roth IRA, future withdrawals—including investment gains—are tax-free.