Empowering Small Businesses with 401(k) Plans

Helping American businesses reduce taxes, reward employees, and secure their future.

Planforge Consulting offers 401(k) plans for small businesses, often at net-zero cost thanks to available tax credits. Secure your future today!

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About PlanForge Consulting

At PlanForge Consulting, we design customized 401(k) plans for America’s small businesses with 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

Discover how small businesses are saving costs and maximizing benefits with our tailored 401(k) plans.

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.
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.
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 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.
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 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.
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

Refer fellow small business owners to save on taxes and earn rewards. Help others benefit from our tailored 401(k) solutions and earn up to $500!
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Tax-Efficient Strategies
Unlock significant tax credits and deductions, potentially achieving a net-zero cost for your 401(k) plan with our expert strategies.
Boost Employee Retention
Implement proven strategies to achieve high employee participation rates, fostering a more engaged and loyal workforce for your company.
Owner-Centered Design
Maximize contributions for business owners without incurring unnecessary costs, ensuring your retirement plan aligns with your financial goals.
Expert Financial Guidance
Benefit from the expertise of a Certified Financial Planner® and a Tax & Estate Attorney, ensuring compliance and optimal plan performance.
Information Gathering
We start by gathering simple information like W-2 data to understand your business's unique financial landscape and employee demographics.
Secure W-2 & Census Drop Box
Owner Questionnaire
Custom Illustration
We design a custom illustration showing tax savings, credits, and employee benefits tailored to your specific business needs.
Guided Implementation
We guide you through every step—plan design, implementation, employee education, and ongoing strategy—ensuring a seamless process.
Compliance & Optimization
We ensure compliance and maximize unique tax credits available under the Big Beautiful Bill + SECURE Act 2.0 for optimal savings.

See How Much You Could Save With a
Net-Zero 401(k)

Most small businesses can unlock up to $265,000 in tax credits over 5 years for starting a 401(k) plan
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Empowering business owners and employees with clear, actionable retirement education.

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Contact Planforge Consulting

We’re here to help small business owners implement cost-effective 401(k) plans. Schedule a free consultation or submit your 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 call us at 214-908-2310. We're happy to assist you.