# How Small Business Owners Can Build Better Retirement Plans (Without Wall Street Fees): Introducing IRA Club SBS

Page: https://stenobird.com/podcast/investor-s-row-podcast-7074838/how-small-business-owners-can-build-better-retirement-plans-without-wall-street-fees-introducing-ira-club-sbs
Text version: https://stenobird.com/podcast/investor-s-row-podcast-7074838/how-small-business-owners-can-build-better-retirement-plans-without-wall-street-fees-introducing-ira-club-sbs.md
Podcast: [Investor's Row Podcast](https://stenobird.com/podcast/investor-s-row-podcast-7074838)
Published: 2026-01-14T11:00:00+00:00
Episode link: https://traffic.megaphone.fm/CSN7010455169.mp3
Audio file: https://traffic.megaphone.fm/CSN7010455169.mp3
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Duration seconds: 2379

## Resource

To learn about IRA Club SBS and schedule a call with a team member, visit http://iraclubsbs.com This week on the Investors Row Podcast, IRA Club’s Ramez Fakhoury introduces IRA Club SBS: our newly launched small business retirement solutions, built to give employers and employees more control, transparency, and flexibility over their retirement savings. The team covers self-directed IRAs, Solo 401(k)s, Safe Harbor plans, Simple IRAs, and enterprise-level retirement solutions — all designed with flat-fee pricing instead of percentage-based fees. The team dives deep into the hidden problems with traditional retirement plans — and why most employees and business owners are unknowingly paying massive fees inside their 401(k)s, how alternative investments can be used inside retirement accounts, how AI-driven portfolios help manage market risk, and why flat fees can save individuals and businesses tens — or even hundreds — of thousands of dollars over time. THREE MAJOR TAKEAWAYS: 1. Percentage-Based 401(k) Fees Quietly Erode Retirement Wealth: Many traditional retirement plans charge layered, percentage-based fees that most people never see. Over decades, these fees can cost individuals hundreds of thousands of dollars — even when the market performs well. 2. Flat-Fee, Self-Directed Retirement Plans Offer More Control and Transparency: Flat-fee structures dramatically reduce long-term costs while allowing investors and employees to diversify beyond the stock market into alternative assets like real estate, precious metals, and private investments. 3. Retirement Planning Is a Powerful Tool for Small Business Owners: Offering flexible, low-cost retirement plans helps business owners attract and retain employees, meet state requirements, and build long-term financial security —…

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