Year-end presents an important opportunity for CPAs to move beyond tax compliance and identify proactive planning strategies for their business-owner clients. In this session, Paresh Shah will explore tax-efficient retirement plan designs, including SEP IRAs, SIMPLE IRAs, 401(k) plans, profit-sharing arrangements, cash balance plans, and defined benefit plans. We will examine how these strategies can help business owners increase retirement contributions, manage taxable income, and align their planning with long-term financial objectives. The presentation will also address advanced strategies, including Restricted Property Trusts and captive insurance arrangements, with an emphasis on tax considerations, regulatory scrutiny, and potential risks. Through practical examples and case studies, attendees will learn how to recognize planning opportunities, evaluate important trade-offs, and collaborate with financial and legal professionals to deliver more comprehensive advice to their clients.