Small Business Retirement & Asset Protection
Retirement plans built for the businesses that built Monroe.
Smart Retire designs 401(k), SEP IRA, Roth IRA and living-benefits protection strategies around how your business actually runs — not a one-size-fits-all template.
"We build the plan around your business — not the other way around."
Locally owned
Headquartered in Monroe, Georgia — not a national call center.
Protection-minded
Retirement design paired with living-benefits protection for owners.
Built for both sides
Plans designed for owners and the employees who depend on them.
Why Smart Retire
Most retirement plans are written for large corporations. Small businesses get the leftovers.
A 12-person landscaping crew doesn't have the same needs as a 3,000-person logistics company — but most retirement providers treat them the same. We work exclusively with small businesses and their owners, which means every plan we design starts with your headcount, your cash flow, and your timeline, not a template built for someone else.
A tailored strategy for my boutique design studio — a game-changer for my future and my employees.
— Jordan Smith, Small Business Owner
What we do
Build the retirement, protect it, then go further than a typical brokerage.
Retirement plans employees actually keep
401(k), SEP IRA, Roth IRA, and tax-free retirement accounts, structured to attract and retain talent while giving owners a tax-advantaged way to save.
Explore Business SolutionsLiving benefits that protect the business itself
Key man policies, buy/sell agreement funding, and income & mortgage protection so one unexpected event doesn't undo years of work.
Explore Asset ProtectionA local, human alternative to the big brokerage playbook
Most national brokerage firms stop once a plan is enrolled. We stay involved with on-site financial wellness classes for your employees — practical, judgment-free sessions on budgeting, saving, and retirement readiness that extend the benefit beyond payroll deductions and into everyday life.
See Wellness Classes
Who's behind the plan
A small team that works directly with small businesses.
Founder Shelly Mason built Smart Retire on a simple idea: small business owners deserve the same level of retirement expertise as Fortune 500 HR departments — delivered by people who actually pick up the phone. Retirement Income Specialist Sarah Hickey works directly with clients across Monroe and the surrounding area to design and maintain each plan.
Meet the TeamReady to see what a plan built for your business looks like?
Book a free, no-pressure consultation. We'll walk through your business, your team, and what retirement should look like for both — then show you the options that actually fit.