{"id":1349,"date":"2025-07-01T08:35:28","date_gmt":"2025-07-01T08:35:28","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1349"},"modified":"2025-06-23T13:42:07","modified_gmt":"2025-06-23T13:42:07","slug":"retirement-planning-for-entrepreneurs-unique-tactics","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/retirement-planning-for-entrepreneurs-unique-tactics\/","title":{"rendered":"Retirement Planning for Entrepreneurs: Unique Tactics"},"content":{"rendered":"\n<p>Building a business demands grit, vision, and resilience. Yet many entrepreneurs overlook one critical mission: planning for life after the hustle. Unlike salaried employees with pensions or provident funds, small business owners must invent their own retirement playbook. In this guide, we\u2019ll explore why entrepreneurs face special retirement challenges, share unique strategies tailored to business owners in India, the USA, and Canada, and reveal 12 actionable tactics to secure a comfortable, crisis\u2011proof retirement.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. Why Entrepreneurs Need a Different Retirement Plan<\/strong><\/h2>\n\n\n\n<p>Salaried workers often benefit from employer\u2011sponsored plans: provident funds, gratuities, 401(k)s with matching contributions, or public pensions. Entrepreneurs, on the other hand, juggle:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Irregular Income<\/strong>: Profits can swing wildly year to year.<br><\/li>\n\n\n\n<li><strong>Reinvested Earnings<\/strong>: Cash often stays locked in the business, not in a retirement account.<br><\/li>\n\n\n\n<li><strong>No Automatic Safety Net<\/strong>: No guaranteed pensions or Maternity\u2011linked benefits.<br><\/li>\n<\/ul>\n\n\n\n<p>Without proactive planning, ageing business owners risk outliving personal savings or depending on a sale that may undervalue their life\u2019s work.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Core Principles of Entrepreneurial Retirement<\/strong><\/h2>\n\n\n\n<p>Before diving into tactics, anchor your plan on three pillars:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Diversification<\/strong>: Blend business equity, personal investments, real estate, and annuities to avoid \u201call\u2011eggs\u2011in\u2011one\u2011basket\u201d risk.<br><\/li>\n\n\n\n<li><strong>Tax Efficiency<\/strong>: Use accounts and structures that shield growth from high taxes.<br><\/li>\n\n\n\n<li><strong>Liquidity &amp; Flexibility<\/strong>: Maintain enough cash or liquid assets to weather downturns or seize new opportunities.<br><\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. Unique Retirement Tactics for Entrepreneurs<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.1 Holding Company Investment Vehicle (India &amp; Canada)<\/strong><\/h3>\n\n\n\n<p>Form a <strong>holding company<\/strong> to park excess business profits. Instead of distributing dividends (which incur personal tax), the holding company can invest in stocks, bonds, or real estate. When you retire, you can tidy up and distribute capital gains at favorable corporate rates. In Canada, pair a holding company with an <strong>Individual Pension Plan (IPP)<\/strong> to secure defined\u2011benefit\u2011style pensions funded tax\u2011efficiently.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.2 Solo 401(k) or SEP IRA (USA)<\/strong><\/h3>\n\n\n\n<p>As a self\u2011employed individual, you can open a <strong>Solo 401(k)<\/strong> (for business owners with no employees) or a <strong>SEP IRA<\/strong> to save up to <strong>25%<\/strong> of net self\u2011employment earnings\u2014capped at $66,000 in 2025. These plans offer both employee (salary deferral) and employer (profit\u2011sharing) contributions, maximizing tax\u2011deferred savings.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.3 Defined Benefit Pension Plans (USA &amp; Canada)<\/strong><\/h3>\n\n\n\n<p>Entrepreneurs can set up a <strong>defined benefit plan<\/strong>, which guarantees a fixed annual payout in retirement, similar to a traditional pension. Though administratively complex and requiring actuarial support, these plans allow high\u2011earning business owners to contribute <strong>$200,000+<\/strong> per year, rapidly growing a retirement nest egg.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.4 Tiered Exit Strategy: Partial Business Sale<\/strong><\/h3>\n\n\n\n<p>Instead of a single \u201cbig exit,\u201d consider selling <strong>equity in stages<\/strong>. Bring in private investors or partners to buy minority stakes over time. You realize gains gradually, smoothing out tax liabilities and letting you reallocate proceeds personally without closing your business.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.5 Deferred Compensation Agreements (USA)<\/strong><\/h3>\n\n\n\n<p>Arrange with your corporation to defer a portion of your salary or bonus into a <strong>non\u2011qualified deferred compensation (NQDC)<\/strong> plan. Funds grow tax\u2011deferred until you retire, giving you pre\u2011tax investment growth while preserving cash flow in lean years.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.6 Cross\u2011Border Retirement Accounts (India \u2194 USA\/Canada)<\/strong><\/h3>\n\n\n\n<p>If you\u2019ve operated in multiple countries, coordinate home\u2011country retirement vehicles (NPS, PPF in India) with U.S. IRAs\/401(k)s or Canadian RRSPs. Bilateral tax treaties may allow you to avoid double taxation and roll over savings between systems.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.7 Family Trust &amp; Estate Freeze (Canada &amp; India)<\/strong><\/h3>\n\n\n\n<p>Use a <strong>family trust<\/strong> or an <strong>estate freeze<\/strong> to lock in the current value of business shares for tax purposes, passing future growth to heirs. In Canada, combining an estate freeze with Lifetime Capital Gains Exemption (LCGE) planning can shelter up to CAD\u202f$971,190 of gains at sale.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.8 Cash\u2011Flow\u2011Based Emergency Fund<\/strong><\/h3>\n\n\n\n<p>Entrepreneurs should hold <strong>12\u201324 months<\/strong> of living expenses in safe, liquid assets\u2014double the typical \u201c6\u2011month\u201d rule\u2014because self\u2011employment can bring unpredictable revenue swings.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.9 Business Continuation Insurance<\/strong><\/h3>\n\n\n\n<p>Key\u2011person or <strong>business continuation life insurance<\/strong> pays out if you pass away or disable, ensuring the business can buy back your shares from heirs and continue operating, preserving both your legacy and your family\u2019s financial security.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.10 Real Estate Diversification<\/strong><\/h3>\n\n\n\n<p>Hold rental properties or <strong>REITs<\/strong> alongside your business. Rental income offers steady cash flow and inflation protection, while REITs give liquidity without landlord hassles. In India, REITs like Embassy Office Parks have yielded <strong>~12%<\/strong> distributions in FY25.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.11 Annuities &amp; Hybrid Insurance Products<\/strong><\/h3>\n\n\n\n<p>Fixed annuities or <strong>longevity insurance<\/strong> guarantee a lifetime income stream. Modern \u201chybrid\u201d annuities combine market upside with protection against downturns, plus optional long\u2011term care riders.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.12 Crisis\u2011Proof Your Plan with Multi\u2011Bucket Strategy<\/strong><\/h3>\n\n\n\n<p>Divide retirement assets across three \u201cbuckets\u201d based on time horizon:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Short\u2011Term<\/strong> (0\u20135\u202fyears): Cash, short bonds, bank fixed deposits<br><\/li>\n\n\n\n<li><strong>Mid\u2011Term<\/strong> (5\u201315\u202fyears): Dividend stocks, corporate bonds, balanced funds<br><\/li>\n\n\n\n<li><strong>Long\u2011Term<\/strong> (15+\u202fyears): Growth equities, private equity stakes, startup investments<br><\/li>\n<\/ol>\n\n\n\n<p>This approach blends liquidity, income, and growth, safeguarding you against market shocks.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. Country\u2011Specific Considerations<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>India<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NPS &amp; PPF<\/strong> remain staples: NPS offers equity exposure and 60% tax\u2011free lump sum at 60, while PPF gives a guaranteed 7\u20138% return with 100% tax exemption on interest.<br><\/li>\n\n\n\n<li><strong>Tax Incentives<\/strong>: 80C deduction for PPF (\u20b91.5\u202flakhs), 80CCD(1B) for NPS (\u20b950,000).<br><\/li>\n\n\n\n<li><strong>Holding Company<\/strong> technique: Retain profits in your private limited company, invest in mutual funds or stocks, and withdraw systematically post\u2011retirement at lower corporate tax rates.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>USA<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>SECURE\u202f2.0 Act<\/strong> (2022\u201125) enhanced small business plan access by offering tax credits up to <strong>$5,000<\/strong> and auto\u2011enrollment incentives for 401(k) plans\u2014entrepreneurs can now more affordably offer plans to themselves and employees .<br><\/li>\n\n\n\n<li><strong>Roth Options<\/strong>: In a Solo\u202f401(k) you can designate salary deferrals as Roth, paying tax today to enjoy tax\u2011free withdrawals in retirement.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Canada<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>RRSP &amp; TFSA<\/strong>: Maximize RRSP contributions (18% of earned income) for tax deferral, and park smaller sums in TFSA for tax\u2011free growth.<br><\/li>\n\n\n\n<li><strong>IPP &amp; PRPP<\/strong>: Ideal for incorporated entrepreneurs\u2014IPPs function like defined benefit plans; Pooled Registered Pension Plans (PRPPs) offer low\u2011cost group solutions for small businesses.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. Crafting Your Implementation Roadmap<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Assess Your Current Position<\/strong><strong><br><\/strong> Calculate your business value, personal net worth, and savings rate.<br><\/li>\n\n\n\n<li><strong>Set Clear Retirement Goals<\/strong><strong><br><\/strong> Define desired retirement age, lifestyle needs, and legacy wishes.<br><\/li>\n\n\n\n<li><strong>Choose a Primary Vehicle<\/strong><strong><br><\/strong> Decide on your \u201canchor\u201d plan: Solo\u202f401(k), NPS, IPP, or defined benefit plan.<br><\/li>\n\n\n\n<li><strong>Layer in Unique Tactics<\/strong><strong><br><\/strong> Add a holding company, family trust, or deferred compensation as second\u2011tier strategies.<br><\/li>\n\n\n\n<li><strong>Build Liquidity Buckets<\/strong><strong><br><\/strong> Keep 12\u201324 months of expenses in safe assets; allocate mid and long\u2011term buckets per your risk appetite.<br><\/li>\n\n\n\n<li><strong>Automate &amp; Review<\/strong><strong><br><\/strong> Schedule quarterly check\u2011ins to rebalance, re\u2011budget, and stress\u2011test against downturn scenarios.<br><\/li>\n\n\n\n<li><strong>Engage Professionals<\/strong><strong><br><\/strong> Work with a financial advisor, tax accountant, and estate planner familiar with entrepreneur needs\u2014this specialized guidance pays dividends over decades.<br><\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>6. Conclusion<\/strong><\/h2>\n\n\n\n<p>Entrepreneurs must chart their own path to retirement\u2014one that weaves together business equity, tax\u2011efficient vehicles, diversified investments, and robust cash reserves. By applying these 12 unique tactics\u2014holding companies, Solo\u202f401(k)s, defined benefit plans, staged exits, and more\u2014you can build a crisis\u2011proof retirement designed to withstand volatility and deliver steady income. Start early, stay disciplined, and periodically stress\u2011test your plan. Your golden years deserve the same creativity and foresight that powered your entrepreneurial journey.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Building a business demands grit, vision, and resilience. Yet many entrepreneurs overlook one critical mission: planning for life after the hustle. Unlike salaried employees with pensions or provident funds, small business owners must invent their own retirement playbook. In this guide, we\u2019ll explore why entrepreneurs face special retirement challenges, share unique strategies tailored to business owners in India, the USA, and Canada, and reveal 12 actionable tactics to secure a comfortable, crisis\u2011proof retirement. 1. Why Entrepreneurs Need a Different Retirement Plan Salaried workers often benefit from employer\u2011sponsored plans: provident funds, gratuities, 401(k)s with matching contributions, or public pensions. Entrepreneurs, on the other hand, juggle: Without proactive planning, ageing business owners risk outliving personal savings or depending on a sale that may undervalue their life\u2019s work. 2. Core Principles of Entrepreneurial Retirement Before diving into tactics, anchor your plan on three pillars: 3. Unique Retirement Tactics for Entrepreneurs 3.1 Holding Company Investment Vehicle (India &amp; Canada) Form a holding company to park excess business profits. Instead of distributing dividends (which incur personal tax), the holding company can invest in stocks, bonds, or real estate. When you retire, you can tidy up and distribute capital gains at favorable corporate rates. In Canada, pair a holding company with an Individual Pension Plan (IPP) to secure defined\u2011benefit\u2011style pensions funded tax\u2011efficiently. 3.2 Solo 401(k) or SEP IRA (USA) As a self\u2011employed individual, you can open a Solo 401(k) (for business owners with no employees) or a SEP IRA to save up to 25% of net self\u2011employment earnings\u2014capped at $66,000 in 2025. These plans offer both employee (salary deferral) and employer (profit\u2011sharing) contributions, maximizing tax\u2011deferred savings. 3.3 Defined Benefit Pension Plans (USA &amp; Canada) Entrepreneurs can set up a defined benefit plan, which guarantees a fixed annual payout in retirement, similar to a traditional pension. Though administratively complex and requiring actuarial support, these plans allow high\u2011earning business owners to contribute $200,000+ per year, rapidly growing a retirement nest egg. 3.4 Tiered Exit Strategy: Partial Business Sale Instead of a single \u201cbig exit,\u201d consider selling equity in stages. Bring in private investors or partners to buy minority stakes over time. You realize gains gradually, smoothing out tax liabilities and letting you reallocate proceeds personally without closing your business. 3.5 Deferred Compensation Agreements (USA) Arrange with your corporation to defer a portion of your salary or bonus into a non\u2011qualified deferred compensation (NQDC) plan. Funds grow tax\u2011deferred until you retire, giving you pre\u2011tax investment growth while preserving cash flow in lean years. 3.6 Cross\u2011Border Retirement Accounts (India \u2194 USA\/Canada) If you\u2019ve operated in multiple countries, coordinate home\u2011country retirement vehicles (NPS, PPF in India) with U.S. IRAs\/401(k)s or Canadian RRSPs. Bilateral tax treaties may allow you to avoid double taxation and roll over savings between systems. 3.7 Family Trust &amp; Estate Freeze (Canada &amp; India) Use a family trust or an estate freeze to lock in the current value of business shares for tax purposes, passing future growth to heirs. In Canada, combining an estate freeze with Lifetime Capital Gains Exemption (LCGE) planning can shelter up to CAD\u202f$971,190 of gains at sale. 3.8 Cash\u2011Flow\u2011Based Emergency Fund Entrepreneurs should hold 12\u201324 months of living expenses in safe, liquid assets\u2014double the typical \u201c6\u2011month\u201d rule\u2014because self\u2011employment can bring unpredictable revenue swings. 3.9 Business Continuation Insurance Key\u2011person or business continuation life insurance pays out if you pass away or disable, ensuring the business can buy back your shares from heirs and continue operating, preserving both your legacy and your family\u2019s financial security. 3.10 Real Estate Diversification Hold rental properties or REITs alongside your business. Rental income offers steady cash flow and inflation protection, while REITs give liquidity without landlord hassles. In India, REITs like Embassy Office Parks have yielded ~12% distributions in FY25. 3.11 Annuities &amp; Hybrid Insurance Products Fixed annuities or longevity insurance guarantee a lifetime income stream. Modern \u201chybrid\u201d annuities combine market upside with protection against downturns, plus optional long\u2011term care riders. 3.12 Crisis\u2011Proof Your Plan with Multi\u2011Bucket Strategy Divide retirement assets across three \u201cbuckets\u201d based on time horizon: This approach blends liquidity, income, and growth, safeguarding you against market shocks. 4. Country\u2011Specific Considerations India USA Canada 5. Crafting Your Implementation Roadmap 6. Conclusion Entrepreneurs must chart their own path to retirement\u2014one that weaves together business equity, tax\u2011efficient vehicles, diversified investments, and robust cash reserves. By applying these 12 unique tactics\u2014holding companies, Solo\u202f401(k)s, defined benefit plans, staged exits, and more\u2014you can build a crisis\u2011proof retirement designed to withstand volatility and deliver steady income. Start early, stay disciplined, and periodically stress\u2011test your plan. Your golden years deserve the same creativity and foresight that powered your entrepreneurial journey. Source : thepumumedia.com<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[15],"tags":[],"class_list":["post-1349","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1349","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/comments?post=1349"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1349\/revisions"}],"predecessor-version":[{"id":1359,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1349\/revisions\/1359"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1349"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1349"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1349"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}