Empowering Small Businesses with 401(k) Plans

Unlock up to $265,000 in SECURE Act 2.0 tax credits —redirect taxes to your team, not Washington D.C.

About PlanForge Consulting

At PlanForge Consulting, we design customized 401(k) plans for America’s small businesses (15–75 employees). Our strategies help maximize SECURE Act 2.0 tax credits, often reducing costs to nearly zero while strengthening retirement benefits for both owners and staff. We proudly support hardworking business leaders with affordable, effective retirement solutions tailored to their goals.

Success Stories

What happens when you pay your people, not the IRS: real outcomes from real businesses.

From $44,759 in profit‑sharing down to just $1,170 out‑of‑pocket. With tax credits, deductions, forfeitures, and the owner’s retained share, this business cut costs by 94.7% — saving $21,135 compared to the typical plan.

24 employees. $18,554 in contributions. $11,220 in SECURE Act tax credits. $2,714 in deductions. $3,876 retained by the owner. Net cost to the business? Just $744.85.

This 12‑employee business turned a $12,675 profit‑sharing plan into a net gain. After SECURE Act 2.0 credits, deductions, and the owner’s retained share, their net cost came out to –$142.50. Instead of paying more to the IRS, they reinvested tax dollars into their team — and even put money back in the owner’s pocket.

This business turned a $31,500 401(k) expense into a net gain! With $28,000 in SECURE Act 2.0 tax credits, deductions, and owner’s retained share, their net cost came out to –$330.48. Instead of paying more to the IRS, they invested those dollars back into their team.

We helped this business cut their 401(k) costs by over 91%! With our custom profit-sharing strategy, they reduced their total cost to just $1,631—compared to nearly $20,000 with a typical plan. If you have 15–75 employees, we’ll show you how much you can save too—with a free, no-obligation cost analysis.

We helped this business transform their 401(k) into a net gain instead of a cost. With our custom strategy, they saved over $11,000—reducing expenses by 102% compared to a typical plan. Real savings. Real results. Real strategy.

Join Our Referral Program Today

Earn $250–$500 for every qualified small business you refer that implements a 401(k) within 6 months of your referral — whether they choose PlanForge or another provider. We’ll confirm adoption and issue your reward.

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Tax-Efficient Strategies

Use SECURE Act 2.0 credits, deductible contributions, and smart vesting/forfeitures to cut employer net cost—often to net-zero or better—while funding your team.

Boost Employee Retention

Increase participation and reduce turnover with auto-enroll, right-sized matches, and thoughtful vesting. A stronger plan builds a more engaged, loyal workforce.

Owner-Centered Design

Cross-tested / new comparability designs boost owner allocations while staying compliant and controlling costs. We show a clear side-by-side: PlanForge’s net cost vs. a typical approach.

Expert Financial Guidance

Get guidance from a CFP® and a Tax & Real Estate Attorney for setup, compliance, and strategy. Use your own advisor or ours—your choice.

Information Gathering

Share last year’s W‑2s & census or complete our 3-minute Questionnaire. That’s enough to size credits, deductions, and employee demographics for your plan.

Secure W-2 & Census Drop Box

Ownership Questionnaire

Custom Illustration

Receive a tailored PDF illustration showing PlanForge’s net cost vs. a typical approach—with credits, tax deductions, employer contributions, and estimated forfeitures.

Guided Implementation

From plan design to payroll mapping and employee meetings, we handle rollout end-to-end so your launch stays smooth and on schedule.

Compliance & Optimization

ERISA/IRS compliance, always. We maximize SECURE Act 2.0 & The Big Beautiful Bill incentives and tune matches, vesting, and forfeitures as your team changes.

See How Much Your Small Business Could Save With a Net-Zero 401(k)

Most small businesses can unlock up to $265,000 in SECURE Act 2.0 tax credits over five years when launching a new 401(k) plan — often reducing employer net cost to near zero.

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401(k) University: Guides for Small-Business Owners

Practical resources for owners and office managers—design a cost-efficient 401(k), capture tax credits, and boost retention with clear, step-by-step guidance.

Get in Touch

Contact Planforge Consulting

We’re here to help small business owners implement cost-effective 401(k) plans. Schedule a free consultation or submit last year’s W-2s for a custom quote today.

Schedule a Free Consultation

Discover how much you could save on your retirement plan. Schedule your free consultation now or call us at 214-908-2310.

Submit W-2s or Questionnaire

Upload your last year's W‑2s or fill out our Owner questionnaire to receive a personalized illustration of your potential savings.

Reach Out Directly

Have questions or interested in partnership opportunities? Contact us by email at Partnerships@PlanForge401k.com or complete our 3-minute Partnership Form. We're happy to assist you.