The Roadmap to Retirement: Strategic Planning for Small Business Success

In a recent episode of "The Thoughtful Entrepreneur," host Josh engages in an insightful conversation with Jonda Lowe, founder and CEO of JondaKnows, a financial services company. With nearly four decades of experience, Jonda shares valuable financial strategies tailored to small business owners, particularly those generating 6 to 7 figures annually. This episode provides actionable advice for optimizing financial plans and retirement strategies.

Jonda highlights common misconceptions in traditional retirement planning, particularly the reliance on 401(k) plans. He emphasizes that tax deferral, inflation, and market risks make them less effective for many small business owners. Instead, Jonda recommends exploring alternatives like Roth IRAs and customized non-qualified plans to provide more flexibility, tax benefits, and retention strategies for key employees.

Throughout the conversation, Jonda stresses the importance of personalized financial advice for small business owners. His company, Jonda Knows, offers a comprehensive range of services, including retirement planning and guaranteed income products. He encourages listeners to explore the resources available on their website and stay informed about upcoming tools, like a mobile app, to make more informed financial decisions.

About Jonda Lowe:

Jonda Lowe is a best-selling author, fintech app developer, finance podcaster, and personal finance expert with nearly four decades of experience. She has helped thousands of clients create sound retirement strategies while challenging outdated financial wisdom. Jonda’s mission is to empower people to take control of their financial futures by dispelling myths and promoting faith-based financial decisions.

Her latest book, Why You Must Take Your Hands Off God’s Money, published in December 2024, combines practical financial advice with faith-based principles. It provides a unique approach to budgeting, investing, and wealth building through tithing and stewardship.

Jonda is also the founder of Jonda Knows, an innovative AI-driven fintech app launching in January 2025. The app helps users track spending, create budgets, and monitor investments with tools like “Can I Afford It?” and the Tithe Challenge, empowering users to make smarter, faith-aligned financial decisions. Known for her innovative thinking, Jonda is a trusted speaker and advisor, dedicated to changing lives through financial education and leadership.

About JondaKnows:

The JondaKnows, Inc. is a trusted financial services firm committed to providing tailored solutions for small business owners, entrepreneurs, and individuals looking to optimize their financial strategies. With nearly four decades of experience, the company specializes in offering personalized retirement planning, investment advice, and wealth management. Led by Jonda Lowe, a seasoned expert in financial services, JondaKnows focuses on educating clients about alternative retirement options, tax-efficient strategies, and employee retention plans. By combining in-depth knowledge with a client-centered approach, JondaKnows empowers businesses to secure their financial future and achieve lasting success. Whether you're planning for retirement, managing your business finances, or looking for guidance on investment strategies, JondaKnows delivers flexible, innovative solutions that align with your unique goals.

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Links Mentioned in this Episode:

Want to learn more? Check out JondaKnows website at https://jondaknows.com/

Check out JondaKnows on LinkedIn at https://www.linkedin.com/company/jondaknows-inc/

Check out Jonda Lowe on LinkedIn at https://www.linkedin.com/in/jondalowe/

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