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Articles on Retirement

Retirement Plans for Small Business Owners and Their Tax Implications

One of the less obvious responsibilities of being a small business owner is planning your own retirement. While salaried employees at big companies often contribute to a company-sponsored retirement plan, small business owners—particularly sole proprietors and owners of very small firms—don’t have that luxury.   Unfortunately, about a third of all small business owners don’t Read more >

4 Things Small Business Owners Need to Know about Retirement Planning

By Jay DesMarteau, Head of Regional Commercial Specialty Segments at TD Bank, America’s Most Convenient Bank Small business owners juggle many day-to-day tasks such as meeting payroll, serving customers and coping with unexpected issues like replacing broken equipment. With so many immediate priorities, it can be difficult to find time to focus on the future, Read more >

When Can a Small Business Owner Afford to Retire?

To estimate when you can afford to retire there are several factors you will have to consider. Your age, life expectancy, current retirement investments and the lifestyle you expect to have once you retire will impact how much you need to set aside.   We recommend discussing this with a professional investment advisor. In the Read more >

Who is the NFCC?

We are the National Foundation for Credit Counseling (NFCC). Founded in 1951, the NFCC is the nation’s first and largest nonprofit dedicated to improving people’s financial well-being.

NFCC members help millions of consumers like you through community-based offices serving all 50 states and Puerto Rico. Each NFCC member agency has earned our seal by adhering to high standards and ethical practices designed to help you achieve financial stability.

For more on the NFCC, visit


Thank you to TD Bank, America’s Most Convenient Bank® and The TD Charitable Foundation, the charitable giving arm of TD Bank, for their exclusive support and commitment to NFCC’s small business owner financial coaching and education program.