Most business owners think of retirement plans as something their payroll provider sets up, and that’s where the missed opportunity begins.

In this episode, Sam Diarbakerly talks with Jason Whitney, President of Whitney Pension Associates, about what really goes into building a smart retirement plan and why it matters more than people realize. They walk through how business owners, consultants, and board members can use 401(k)s, profit sharing plans, and cash balance plans not just to save, but to reduce taxes in a big way.

From a family business origin story to six-figure savings examples, Jason explains what a TPA actually does and how the SECURE Act 2.0 is making these strategies more accessible, especially for small businesses.

You’ll hear about:

• How 1099 income, board pay, and side gigs can be turned into tax-free retirement savings
• Why coordination between your CPA, advisor, and TPA is key to getting the most from your plan
• Real client stories, including one who cut a $400K tax bill with the right plan design
• The important window for setting up a retirement plan that still applies to last year’s taxes

Resources:

• Learn more at generationcapitaladvisors.com
• Visit whitneypension.com for retirement plan design services

Connect with Sam Diarbakerly:

• LinkedIn: Sam Diarbakerly
• Generation Capital Advisors

Connect with Jason Whitney:

• LinkedIn: Jason Whitney
• Whitney Pension Associates
• jwhitney@whitneypension.com
• 802-296-6500

About Our Guest:

Jason Whitney is the President of Whitney Pension Associates, a second-generation firm focused on retirement plan design. He joined the family business in 2007 after a career pivot that took him from a grad school degree to helping grow the firm’s national reach. Based in Vermont, Jason is also a Corporator for Mascoma Bank and a passionate New England sports fan. When he’s not helping clients with tax strategy, you’ll find him on the golf course, ski slope, or spending time with his wife and three kids.