Rollovers as Business Start-Ups (ROBS)

Using retirement funds to start or acquire a business through Rollovers as Business Start-ups (ROBS) can provide entrepreneurs with access to capital without traditional loans or early withdrawal penalties. However, implementing and maintaining a ROBS structure requires careful setup, ongoing financial oversight, and strict compliance with regulatory requirements.

At FSMC Bookkeeping Services, we assist entrepreneurs with the proper structuring of ROBS funded businesses and provide ongoing bookkeeping and accounting services designed specifically for companies operating under this structure. Our goal is to help ensure your business is established correctly, your financial records remain accurate, and your organization stays compliant with the ongoing reporting obligations that accompany a ROBS arrangement.

Visit the IRS website for more information on ROBS compliance

ROBS Business Structuring

ROBS transactions involve the creation of a specific corporate and retirement plan structure that allows retirement funds to be invested into a business. Proper implementation is critical to ensure the structure is established in accordance with applicable regulations.

Our services help facilitate the ROBS structuring process, including coordination with qualified professionals responsible for retirement plan administration and compliance.

Key components of ROBS structuring typically include:

Formation of a C Corporation, which is required for ROBS structures
Establishment of a qualified retirement plan for the corporation
Coordination of the rollover of eligible retirement funds into the new plan
Issuance of corporate stock to the retirement plan
Implementation of appropriate corporate governance documentation
Coordination with third-party retirement plan administrators

By assisting with the structuring process and ensuring proper financial organization from the beginning, we help lay a solid foundation for your business.

Bookkeeping for ROBS Funded Businesses

Businesses funded through ROBS require accurate financial tracking to maintain proper records of corporate operations and retirement plan investments.

Our bookkeeping services at FSMC Bookkeeping Services are designed specifically to support businesses operating within a ROBS structure.

Services include:

Setup of accounting systems and financial reporting structure
Chart of accounts tailored to ROBS-funded corporations
Monthly bookkeeping and transaction reconciliation
Tracking of capital contributions and equity transactions
Preparation of financial statements
Monitoring of payroll and operating expenses

Maintaining organized and accurate financial records is essential not only for business management but also for supporting compliance requirements tied to the ROBS structure.

Accounting and Financial Reporting (ROBS)

In addition to bookkeeping, our accounting services help ensure your business meets its financial reporting and tax obligations.

Our accounting services may include:

Corporate accounting and financial oversight
Preparation of financial statements for management and tax reporting
Coordination with tax professionals for corporate tax filings
Payroll accounting and reporting
Ongoing financial record maintenance
Assistance with documentation required for retirement plan reporting

These services help ensure that the financial side of your ROBS funded business remains organized and properly documented as the business grows.

Who Our ROBS Services Are For

Our services are designed for entrepreneurs who:

Are starting a business using retirement funds through ROBS
Are purchasing an existing business or franchise using ROBS funding
Require professional bookkeeping and accounting support for a ROBS-funded company
Want to ensure their business financial records remain organized and compliant

Whether you are establishing a new business or managing an existing ROBS-funded operation, FSMC Bookkeeping Services helps support the financial infrastructure required to operate successfully.

Build Your Business on a Solid Financial Foundation

Launching a business using retirement funds requires more than simply accessing capital—it requires the right structure, organized financial systems, and ongoing accounting support.

With proper structuring and disciplined financial management, entrepreneurs can focus on growing their businesses while maintaining the integrity of the ROBS structure.

Let us guide you through the complexities of expat taxation, providing the support you need to achieve financial success and compliance. For more information on expat taxation,

Internal Revenue Service