What We Do

A retirement plan built to
work for you, not just them.

Most business retirement plans are set up generically. We design yours specifically to maximize what goes into your pocket — using contribution limits, comparability testing, and profit sharing structures that most advisors never touch.

ANNUAL CONTRIBUTION LIMITS BY PLAN TYPE Traditional 401(k) $23,500 Safe Harbor 401(k) $70,000 Solo 401(k) $70,000 SEP-IRA $69,000 Defined Benefit Plan $275,000+ /yr COMPARABILITY DESIGN EXAMPLE Owner contribution rate 25.0% Employee required rate 5.0% Owner tax savings $41K Legally structured to maximize owner benefit while satisfying IRS nondiscrimination rules GROWTH PROJECTION Yr 5 $350K Yr 10 $820K Yr 15 $1.5M Yr 20 $2.6M at 7% avg return PLAN TYPES WE DESIGN Solo 401(k) Self-employed Safe Harbor 401(k) Small business w/ employees Defined Benefit High earners, max contributions SEP-IRA Simple, flexible, high limits SIMPLE IRA Small business, low cost
The Opportunity

Most business retirement plans are leaving money on the table.

A standard 401(k) or SEP-IRA gets you a deduction. A properly designed plan — using profit sharing formulas, comparability testing, and defined benefit layering — can get you $100,000+ in annual deductions while legally minimizing what you’re required to contribute for employees.

We specialize in retirement plan design that goes beyond the template. Whether you’re a solo practitioner or a business with a team, we build the plan that maximizes your benefit.

Plan design that maximizes owner contributions relative to employee cost
Comparability testing to legally contribute at higher rates as the owner
Defined benefit plan analysis for high-income business owners 45+
Solo 401(k) for self-employed business owners with no employees
Safe Harbor 401(k) design for businesses with employees
Ongoing plan administration guidance and annual contribution optimization
Plan Options

The right plan depends on your situation. Here’s how we choose.

Every business is different. We analyze your income, age, employee count, and goals to design the plan that produces the most benefit for you specifically.

Solo 401(k)
For self-employed business owners with no employees. Contribute up to $70,000 per year as both employer and employee. One of the most powerful plans available for sole proprietors and single-member LLCs.
Safe Harbor 401(k)
For businesses with employees. Satisfies IRS nondiscrimination testing automatically, allowing owner-employees to max their contributions without restriction. Combined with profit sharing, total annual contributions reach $70,000.
Profit Sharing with Comparability
An add-on to a 401(k) that allows different contribution rates for different groups of employees — legally structured so the owner contributes at a much higher rate than required for staff.
Defined Benefit Plan
For high-earning business owners typically 45 or older who want to contribute far more than 401(k) limits allow. Can stack on top of a 401(k) for combined annual contributions of $200,000–$300,000 or more.
SEP-IRA
A simple, flexible plan with high contribution limits — up to 25% of compensation or $69,000. Easy to administer with no annual testing requirements. Best for business owners who want simplicity without sacrificing limits.
Annual Contribution Optimization
Each year, we review your income, tax situation, and plan performance to optimize contribution amounts. As your business grows, your plan strategy should evolve with it.
$70K
maximum annual 401(k) + profit sharing contribution available to business owners in 2025
3x
more in tax savings when S-Corp elections and retirement plans are structured together correctly
74%
of small business retirement plans are not optimized for the owner — they were set up generically and never reviewed
Who This Is For

Any business owner or self-employed professional who wants more than a generic plan.

Retirement plan design matters most when you have business income, employees to consider, or a tax bill you want to reduce. We work with all types of business owners — from solo practitioners to companies with dozens of employees.

Business Owners
Maximize your retirement contributions while minimizing required employee costs through smart plan design.
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Tradespeople & Contractors
Solo 401(k) and SEP-IRA options for self-employed tradespeople to build serious retirement wealth.
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Professionals & Executives
Defined benefit strategies and plan design for high-income professionals looking to maximize deductions.
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Plan Sponsors
Full retirement plan design, fiduciary oversight, and employee benefit optimization.
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Related Services

Retirement plan design is most powerful when connected to your tax and financial plan.

Every dollar in your retirement plan is a dollar less in taxable income. Coordination is everything.

Financial PlanningInvestment ManagementTax PlanningRetirement Plan DesignBusiness Owner PlanningPlan Sponsor Advisory

Is your retirement plan actually working for you?

Most business owners don’t know if their plan is designed to maximize their benefit — or if it was just set up generically and left alone. Let’s take a look.

Schedule a Free Call → See Our Tax Planning Approach
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