My Pension Tree

10/23/2026

Have employees? Start with the full picture.

An owner's contribution estimate is one part of a retirement-plan decision.

If your business has employees, staff costs need their own review before you decide on a plan. MyPensionTree's free PDF estimates owner contributions; it is not a quote for the whole team.

Start with the questionnaire and request your PDF by email. A call is optional:
https://www.mypensiontree.com/?utm_source=facebook&utm_medium=organic_social&utm_campaign=mpt_daily_organic_202610&utm_content=03_employee_costs -form

10/22/2026

Already have a 401(k)?

Your existing 401(k) is part of the conversation when you explore a cash balance plan.

MyPensionTree reviews how the plans would work together. Begin with a free owner contribution-estimate PDF based on your age and pay.

A call is optional. Employee costs and the full plan design need a separate review.

Explore your estimate:
https://www.mypensiontree.com/?utm_source=facebook&utm_medium=organic_social&utm_campaign=mpt_daily_organic_202610&utm_content=02_existing_401k -form

10/21/2026

What could your business contribute?

A cash balance plan starts with your business, your age and your pay.

MyPensionTree's short questionnaire leads to a free owner contribution-estimate PDF by email. A call is optional.

The PDF estimates contributions, not tax savings. If you have employees, their costs need a separate review.

Request your estimate:
https://www.mypensiontree.com/?utm_source=facebook&utm_medium=organic_social&utm_campaign=mpt_daily_organic_202610&utm_content=01_contribution_estimate -form

10/20/2026

Start with your business.

Exploring a cash balance plan? MyPensionTree's questionnaire is a starting point for an owner contribution estimate based on your age and pay.

Request your free PDF by email. A call is optional.

The PDF estimates contributions, not tax savings. If you have employees, their costs need a separate review.

See what your business could contribute:
https://www.mypensiontree.com/?utm_source=facebook&utm_medium=organic_social&utm_campaign=mpt_daily_organic_202610&utm_content=00_start_with_your_business -form

Retirement plans that help a business with employees keep its key people, designed and administered by an in-house actuarial desk.

10/04/2026

OCTOBER 4 — A Tax Credit for Starting a Retirement Plan?

Small employers may be leaving a valuable incentive unused.

Eligible employers may qualify for a retirement-plan startup-cost tax credit of up to $5,000 per year for three years.

For qualifying employers with 50 or fewer employees, the credit can cover 100% of eligible startup costs, subject to IRS limits.

There is also a separate $500 annual auto-enrollment credit for up to three years for qualifying employers.

That can materially change the economics of adding a retirement benefit.

👉 Learn what type of plan could fit your company at MyPensionTree.com



Educational only. Eligibility and credit amounts depend on your circumstances.

10/03/2026

OCTOBER 3 — Know Your 2026 401(k) Limit

How much retirement contribution space are you actually using?

For 2026, the basic 401(k) employee elective-deferral limit is $24,500.

But that's only one layer.

Depending on plan design, employer contributions can substantially increase the amount going toward retirement — and profitable owners who need more contribution capacity may consider adding a cash balance pension plan.

The real question isn't simply:

"Do I have a 401(k)?"

It's:

"Is my retirement plan designed around what my business can actually accomplish?"

👉 Run the numbers at MyPensionTree.com



Educational only. Contribution limits and eligibility rules apply.

10/02/2026

OCTOBER 2 — Payroll Tax Deadline

⚠️ Payroll tax reminder for applicable employers.

Under the IRS semiweekly deposit schedule, payroll taxes for payments made September 26–29 are due today, October 2.

Payroll deadlines aren't glamorous — but missing required deposits can become expensive.

As Q4 begins, this is also a good time to review your entire business tax calendar instead of waiting until year-end.

Payroll. Estimated taxes. Retirement contributions. Plan funding. Tax-return deadlines.

Know what's coming before it arrives.



Educational only. Deposit schedules depend on your business's circumstances.

10/01/2026

OCTOBER 1 — SIMPLE IRA Setup Deadline

📅 October 1 is here.

For most existing employers establishing a SIMPLE IRA for the first time, today is the final day to establish a SIMPLE IRA effective this calendar year.

But choosing a retirement plan shouldn't be based on the deadline alone.

Business owners should consider:

✓ Number of employees
✓ Owner and employee compensation
✓ Desired contribution level
✓ Tax objectives
✓ Employee benefit goals

A SIMPLE IRA may fit — or another qualified retirement plan may make more sense.

👉 MyPensionTree.com



Educational only. Exceptions and specific requirements apply.

10/01/2026

SEPTEMBER 30 — SIMPLE IRA Deadline Tomorrow

Small-business owners: October 1 is an important retirement-plan deadline.

Generally, an employer establishing a SIMPLE IRA for the first time can make the plan effective between January 1 and October 1.

If you've been considering a retirement benefit for your employees, tomorrow matters.

And remember: SIMPLE IRA isn't your only option. Depending on your profits, employees and retirement goals, a 401(k), profit-sharing or pension strategy may provide significantly different contribution opportunities.

👉 Compare your options at MyPensionTree.com



Educational only. Rules and eligibility vary.

09/30/2026

SEPTEMBER 29 — Year-End Tax Planning Starts Now

Waiting until December to start tax planning can mean fewer options.

For profitable business owners, the final quarter of the year is the time to review income, deductions, compensation and retirement-plan opportunities while there is still time to act.

A properly designed retirement plan may allow your business to convert taxable profit into deductible retirement contributions — while building long-term wealth for you and your team.

Don't wait for tax season to start tax planning.

👉 Explore your options at MyPensionTree.com



Educational only. Tax rules and individual circumstances vary.