The SECURE Act 2.0 provides tax credits that cover your plan's startup and administration costs for the first 3 to 5 years. Most of our clients reduce 401(k) expenses by 90% or more. Many end up at net-zero or even net-positive. You are not adding a cost. You are redirecting money that was already going to the IRS.

With cross-tested profit sharing, you can contribute significantly more to your own retirement than your employees receive, all within IRS guidelines. Every dollar you contribute is tax-deductible. You decide how much to put in each year, and you can fund contributions after December 31st, up to your tax filing deadline. No mandatory match. No locked-in commitment. Full control.

If the numbers you entered reflect your business, we will build you a free custom illustration using your actual W-2 Data or ownership questionnaire. No obligation. You will see exactly what your plan costs (and saves) in a side-by-side comparison. Takes one conversation.

Employees get access to a real retirement plan with self-directed investment options, including individual stocks. A vesting schedule protects your investment. Employees who leave early forfeit employer contributions back into the plan. You build loyalty with the people who stay.