(1) For self-employed or business owner: If you are a self-employed individual or a small business owner, not large employers.
Simplified Employee Pension (SEP-IRA plan )
Saving Incentive Math Plans for Employee (SIMPLE IRA plan )
Solol 401(k) plan
Keogh plan (a qualified retirement plan established by a self-employed
individual or partnership).
(2) If you are involved with a corporation, your business may have many employees
Simplified employee pension (SEP-IRA plan )
Saving Incentive Math Plans for Employee(SIMPLE IRA plan )
Profit-sharing plan
Money purchase pension plan
Employee stock ownership plans(ESOPS)
雇主可以为自己或者为雇员通过设立人寿保险计划来达到保护自己生意，生意延续，保留重要员工，退休计划等，雇主付保险费可以做为生意的开销来达到省税的目的。
Buy-Sell Agreement ( for business owner)