--- title: Water Cooler Wisdom | Women Business Owners description: Women Business Owners | Explore expert insights on retirement plans, tax strategies, and compliance for business owners. Stay informed with the latest trends and guidance from Michele Suriano. image: https://castlerockpep.com/hubfs/Blog%20Picture.jpg --- [Skip to content](https://castlerockpep.com/water-cooler-wisdom/tag/women-business-owners#main-content) ![Castle Rock Logo](https://castlerockpep.com/hs-fs/hubfs/Castle%20Rock%20Logo%202026-1.png?width=1536&height=1024&name=Castle%20Rock%20Logo%202026-1.png) - [Home](https://castlerockpep.com/) - [About Us](https://castlerockpep.com/about) Show submenu for About Us - [Community Page](https://castlerockpep.com/community) - [Blog](https://castlerockpep.com/water-cooler-wisdom) - [Contact Us](https://castlerockpep.com/contact-us) - [Pooled Employer Plan](https://castlerockpep.com/pooled-employer-plan-1) Show submenu for Pooled Employer Plan - [Investment Options](https://castlerockpep.com/investments) - [Pricing](https://castlerockpep.com/pricing-new) - [Plan Design Choices](https://castlerockpep.com/plandesigns) - [Who We Serve](https://castlerockpep.com/who-we-serve) Show submenu for Who We Serve - [Colorado Businesses](https://castlerockpep.com/who-we-serve/colorado-businesses) - [Women-Owned Businesses](https://castlerockpep.com/who-we-serve/women-owned-businesses) - [Fiduciary Tool Belt](https://castlerockpep.com/-fiduciary-tool-belt) Show submenu for Fiduciary Tool Belt - [ERISA Plan Governance](https://castlerockpep.com/erisa-plan-governance) - [ERISA Fiduciary Training](https://castlerockpep.com/fiduciary-training) - [Regulators and Audits](https://castlerockpep.com/regulators-and-audits) Open main navigation Close main navigation - [Home](https://castlerockpep.com/) - [About Us](https://castlerockpep.com/about) Show submenu for About Us - [Community Page](https://castlerockpep.com/community) - [Blog](https://castlerockpep.com/water-cooler-wisdom) - [Contact Us](https://castlerockpep.com/contact-us) - [Pooled Employer Plan](https://castlerockpep.com/pooled-employer-plan-1) Show submenu for Pooled Employer Plan - [Investment Options](https://castlerockpep.com/investments) - [Pricing](https://castlerockpep.com/pricing-new) - [Plan Design Choices](https://castlerockpep.com/plandesigns) - [Who We Serve](https://castlerockpep.com/who-we-serve) Show submenu for Who We Serve - [Colorado Businesses](https://castlerockpep.com/who-we-serve/colorado-businesses) - [Women-Owned Businesses](https://castlerockpep.com/who-we-serve/women-owned-businesses) - [Fiduciary Tool Belt](https://castlerockpep.com/-fiduciary-tool-belt) Show submenu for Fiduciary Tool Belt - [ERISA Plan Governance](https://castlerockpep.com/erisa-plan-governance) - [ERISA Fiduciary Training](https://castlerockpep.com/fiduciary-training) - [Regulators and Audits](https://castlerockpep.com/regulators-and-audits) - [Join the PEP](https://castlerockpep.com/join-castle-rock-pep) [Join the PEP](https://castlerockpep.com/join-castle-rock-pep) [![Picture of Ronia Grillos](https://castlerockpep.com/hs-fs/hubfs/Ronia%20Grillos.jpg?width=480&height=480&name=Ronia%20Grillos.jpg)](https://castlerockpep.com/water-cooler-wisdom/community-spotlight-ronia-grillos-brings-handcrafted-leather-hats-to-castle-rock-artfest) ## [Community Spotlight: Ronia Grillos Brings Handcrafted Leather Hats to Castle Rock Artfest](https://castlerockpep.com/water-cooler-wisdom/community-spotlight-ronia-grillos-brings-handcrafted-leather-hats-to-castle-rock-artfest) Sep 11, 2026, 10:23:41 AM Community Spotlight: Ronia Grillos Brings Handcrafted Leather Hats to Castle Rock Artfest This weeke... [Read more](https://castlerockpep.com/water-cooler-wisdom/community-spotlight-ronia-grillos-brings-handcrafted-leather-hats-to-castle-rock-artfest) [![Picture the iconic town's namesake Castle Rock](https://cdn.marblism.com/dcSKx13QqYU.webp)](https://castlerockpep.com/water-cooler-wisdom/colorado-150-trivia-the-sesquicentennial) ## [Colorado 150 Trivia & the Sesquicentennial](https://castlerockpep.com/water-cooler-wisdom/colorado-150-trivia-the-sesquicentennial) Jun 19, 2026, 11:02:19 AM Week 4: Colorado 150 Trivia & the Sesquicentennial 🏔️ Happy June, Castle Rock! As we roll into the ... [Read more](https://castlerockpep.com/water-cooler-wisdom/colorado-150-trivia-the-sesquicentennial) [![Retired business man calculating his retirement paycheck](https://cdn.marblism.com/3KeMjQp4oL7.webp)](https://castlerockpep.com/water-cooler-wisdom/the-paycheck-problem-how-to-be-your-own-payroll-head-in-retirement) ## [The Paycheck Problem: How to Be Your Own Payroll Head in Retirement](https://castlerockpep.com/water-cooler-wisdom/the-paycheck-problem-how-to-be-your-own-payroll-head-in-retirement) Jun 6, 2026, 9:58:07 AM For most of your career, your relationship with your paycheck has been a passive one. Every two week... [Read more](https://castlerockpep.com/water-cooler-wisdom/the-paycheck-problem-how-to-be-your-own-payroll-head-in-retirement) [![It says "The Next 20 Years"](https://img.youtube.com/vi/q19BUiQovrg/hqdefault.jpg)](https://castlerockpep.com/water-cooler-wisdom/the-vision-for-the-next-20-years) ## [The Vision for the Next 20 Years](https://castlerockpep.com/water-cooler-wisdom/the-vision-for-the-next-20-years) May 1, 2026, 10:31:07 AM Twenty years. It sounds like a long time when you say it out loud, doesn't it? Since 2006, Castle Ro... [Read more](https://castlerockpep.com/water-cooler-wisdom/the-vision-for-the-next-20-years) [![Picture of laptop with mountains in the background](https://cdn.marblism.com/utF8uMfUqlL.webp)](https://castlerockpep.com/water-cooler-wisdom/colorado-compliance-trap-how-famli-data-sharing-just-changed-the-game) ## [Colorado Compliance Trap: How FAMLI Data Sharing Just Changed the Game](https://castlerockpep.com/water-cooler-wisdom/colorado-compliance-trap-how-famli-data-sharing-just-changed-the-game) Feb 17, 2026, 7:00:04 AM If you're a Colorado employer, 2026 just became the year where "flying under the radar" officially d... [Read more](https://castlerockpep.com/water-cooler-wisdom/colorado-compliance-trap-how-famli-data-sharing-just-changed-the-game) [![Participant Security Guarantee](https://cdn.marblism.com/YGBbhUoasqY.webp)](https://castlerockpep.com/water-cooler-wisdom/the-future-of-trust-meet-erisa-ai-and-your-new-security-guarantee) ## [The Future of Trust: Meet Erisa AI and Your New Security Guarantee](https://castlerockpep.com/water-cooler-wisdom/the-future-of-trust-meet-erisa-ai-and-your-new-security-guarantee) Feb 11, 2026, 7:00:00 AM This is Part 3 of our 2026 Slavic401k Conference series. Catch up on Part 1: The 2026 Roadmap and Pa... [Read more](https://castlerockpep.com/water-cooler-wisdom/the-future-of-trust-meet-erisa-ai-and-your-new-security-guarantee) [![Chart showing savings growth](https://cdn.marblism.com/4G7v5MM8ppa.webp)](https://castlerockpep.com/water-cooler-wisdom/more-than-a-savings-account-visualizing-your-wealth-with-boldin) ## [More Than a Savings Account: Visualizing Your Wealth with Boldin](https://castlerockpep.com/water-cooler-wisdom/more-than-a-savings-account-visualizing-your-wealth-with-boldin) Feb 9, 2026, 8:00:02 AM This is Part 2 of our 3-part series exploring highlights from the 2026 Slavic401k Conference. Catch ... [Read more](https://castlerockpep.com/water-cooler-wisdom/more-than-a-savings-account-visualizing-your-wealth-with-boldin) [![The 2026 Roadmap](https://cdn.marblism.com/21xBnSOXvMi.webp)](https://castlerockpep.com/water-cooler-wisdom/the-2026-roadmap-how-were-reinventing-the-401k-experience) ## [The 2026 Roadmap: How We're Reinventing the 401(k) Experience](https://castlerockpep.com/water-cooler-wisdom/the-2026-roadmap-how-were-reinventing-the-401k-experience) Feb 5, 2026, 2:23:59 PM The retirement industry is moving fast, and we're moving faster. At Castle Rock PEP, powered by our ... [Read more](https://castlerockpep.com/water-cooler-wisdom/the-2026-roadmap-how-were-reinventing-the-401k-experience) [![Picture of lots of cash](https://cdn.marblism.com/kgMIiIERMNe.webp)](https://castlerockpep.com/water-cooler-wisdom/the-1500-irs-thank-you-why-solo-business-owners-should-act-now-for-2025) ## [The $1,500 IRS 'Thank You': Why Solo Business Owners Should Act Now for 2025](https://castlerockpep.com/water-cooler-wisdom/the-1500-irs-thank-you-why-solo-business-owners-should-act-now-for-2025) Jan 28, 2026, 3:33:16 PM Let's be honest: when was the last time the IRS sent you a thank-you note? [Read more](https://castlerockpep.com/water-cooler-wisdom/the-1500-irs-thank-you-why-solo-business-owners-should-act-now-for-2025) [![](https://cdn.marblism.com/Q2P0Yqc7KFw.webp)](https://castlerockpep.com/water-cooler-wisdom/the-gift-of-certainty-why-i-pre-planned-my-final-wishes-and-you-might-too) ## [The Gift of Certainty: Why I Pre-Planned My Final Wishes (and You Might Too)](https://castlerockpep.com/water-cooler-wisdom/the-gift-of-certainty-why-i-pre-planned-my-final-wishes-and-you-might-too) Jan 24, 2026, 1:36:52 PM You know that iconic Barbie moment where everything is sunshine and small talk… and then she drops: ... [Read more](https://castlerockpep.com/water-cooler-wisdom/the-gift-of-certainty-why-i-pre-planned-my-final-wishes-and-you-might-too) [![Woman walking on a path, symbolizing life's journey](https://cdn.marblism.com/NzG99FvR_qW.webp)](https://castlerockpep.com/water-cooler-wisdom/the-survivors-guide-finding-your-footing-after-a-loss) ## [The Survivor's Guide: Finding Your Footing After a Loss](https://castlerockpep.com/water-cooler-wisdom/the-survivors-guide-finding-your-footing-after-a-loss) Jan 19, 2026, 1:28:36 PM The Survivor's Guide: Finding Your Footing After a Loss When Everything Changes in an Instant Pictur... [Read more](https://castlerockpep.com/water-cooler-wisdom/the-survivors-guide-finding-your-footing-after-a-loss) [![Mobile phone in hospital room](https://cdn.marblism.com/DrNyhEtiDlB.webp)](https://castlerockpep.com/water-cooler-wisdom/emergency-planning-protecting-yourself-and-your-loved-ones-when-the-unexpected-happens) ## [Emergency Planning: Protecting Yourself and Your Loved Ones When the Unexpected Happens](https://castlerockpep.com/water-cooler-wisdom/emergency-planning-protecting-yourself-and-your-loved-ones-when-the-unexpected-happens) Jan 13, 2026, 8:00:04 AM Picture this: You're getting ready for your morning routine, stepping out of the shower, when sudden... [Read more](https://castlerockpep.com/water-cooler-wisdom/emergency-planning-protecting-yourself-and-your-loved-ones-when-the-unexpected-happens) [![Picture of a Castle in the Mountains at sunset](https://cdn.marblism.com/xXuwOxCa1Qr.webp)](https://castlerockpep.com/water-cooler-wisdom/castle-rock-pep-q3-2025-review-key-updates-insights) ## [Castle Rock PEP Q3 2025 Review: Key Updates & Insights](https://castlerockpep.com/water-cooler-wisdom/castle-rock-pep-q3-2025-review-key-updates-insights) Nov 2, 2025, 8:59:59 AM As we wrap up another quarter in what's been a remarkable year for the markets, Michele Suriano, Pre... [Read more](https://castlerockpep.com/water-cooler-wisdom/castle-rock-pep-q3-2025-review-key-updates-insights) [![A picture of a desk in a sunny office](https://cdn.marblism.com/cOFYIK30-9Y.webp)](https://castlerockpep.com/water-cooler-wisdom/the-ultimate-guide-to-pooled-employer-plans) ## [The Ultimate Guide to Pooled Employer Plans](https://castlerockpep.com/water-cooler-wisdom/the-ultimate-guide-to-pooled-employer-plans) Oct 14, 2025, 9:50:15 AM Running a small business means wearing a dozen hats on any given day. You're the CEO, head of HR, ma... [Read more](https://castlerockpep.com/water-cooler-wisdom/the-ultimate-guide-to-pooled-employer-plans) [![Happy employees in a bright sunny office](https://cdn.marblism.com/O2p0XYOZBIU.webp)](https://castlerockpep.com/water-cooler-wisdom/the-wework-of-401k-how-castle-rock-pep-builds-community-and-delivers-big-for-employees) ## [The WeWork of 401(k): How Castle Rock PEP Builds Community and Delivers Big for Employees](https://castlerockpep.com/water-cooler-wisdom/the-wework-of-401k-how-castle-rock-pep-builds-community-and-delivers-big-for-employees) Oct 10, 2025, 3:44:38 PM Remember when WeWork revolutionized the workplace by turning boring office buildings into vibrant co... [Read more](https://castlerockpep.com/water-cooler-wisdom/the-wework-of-401k-how-castle-rock-pep-builds-community-and-delivers-big-for-employees) [![](https://castlerockpep.com/hubfs/AI-Generated%20Media/Images/A%20modern%20office%20setting%20filled%20with%20natural%20light%20filtering%20through%20large%20windows%20illuminating%20a%20sleek%20conference%20room%20A%20long%20polished%20wooden%20table%20is%20surrounded%20by%20ergonomic%20chairs%20each%20equipped%20with%20notepads%20and%20pens%20On%20the%20walls%20vibrant%20infographi.jpeg)](https://castlerockpep.com/water-cooler-wisdom/secure-2.0-and-the-roth-catch-up-what-employers-and-employees-need-to-know) ## [SECURE 2.0 and the Roth Catch-Up: What Employers and Employees Need to Know](https://castlerockpep.com/water-cooler-wisdom/secure-2.0-and-the-roth-catch-up-what-employers-and-employees-need-to-know) Sep 25, 2025, 11:42:27 AM If your company sponsors a retirement plan, the clock is ticking on an important change from the SEC... [Read more](https://castlerockpep.com/water-cooler-wisdom/secure-2.0-and-the-roth-catch-up-what-employers-and-employees-need-to-know) ### Subscribe Here! [facebook-f icon](https://www.facebook.com/CastleRockInvestment/) [Follow us on LinkedIn](https://www.linkedin.com/company/castle-rock-investment-company/) [Follow us on Instagram](https://www.instagram.com/castlerockpep/) [Follow us on YouTube](https://www.youtube.com/@CastleRockPEP) --- - [Home](https://castlerockpep.com) - [About Us](https://castlerockpep.com/about) - [Community Page](https://castlerockpep.com/community) - [Blog](https://castlerockpep.com/water-cooler-wisdom) - [Contact Us](https://castlerockpep.com/contact-us) - [Pooled Employer Plan](https://castlerockpep.com/pooled-employer-plan-1) - [Investment Options](https://castlerockpep.com/investments) - [Pricing](https://castlerockpep.com/pricing-new) - [Plan Design Choices](https://castlerockpep.com/plandesigns) - [Who We Serve](https://castlerockpep.com/who-we-serve) - [Colorado Businesses](https://castlerockpep.com/who-we-serve/colorado-businesses) - [Women-Owned Businesses](https://castlerockpep.com/who-we-serve/women-owned-businesses) - [Fiduciary Tool Belt](https://castlerockpep.com/-fiduciary-tool-belt) - [ERISA Plan Governance](https://castlerockpep.com/erisa-plan-governance) - [ERISA Fiduciary Training](https://castlerockpep.com/fiduciary-training) - [Regulators and Audits](https://castlerockpep.com/regulators-and-audits) Copyright © 2026, Castle Rock Investment Company 115 Wilcox Street, Suite 220, Castle Rock, CO 80104 720.608.5894 Castle Rock Investment Company is registered as an Investment Adviser in the State of Colorado, in addition to any other states requiring registration when otherwise not exempt. [Castle Rock Investment Company's Legal Disclosures: ADV Part 2 A/B, Appendix 1, and Privacy Policy](https://castlerockpep.com/hubfs/Annual%20Legal%20Disclosures%202026%20ADV%20Part%202A%20B%20Appendix%201%20and%20Privacy%20Policy.pdf) [Accessibility Statement](https://castlerockpep.com/hubfs/March%202024%20Files/Accessibility%20Statement%20for%20Castle%20Rock%20PEP.pdf) ![WOB\_Certified\_WBENC\_color](https://castlerockpep.com/hs-fs/hubfs/WOB_Certified_WBENC_color.png?width=174&height=98&name=WOB_Certified_WBENC_color.png "WOB_Certified_WBENC_color")