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Your business can fund your future.

A PlanForge self-directed Solo 401(k) lets you save from your pay as the employee and add profit sharing as the business. Between the two, far more of your income can go to your future, and every pre-tax dollar lowers this year’s tax bill.

Here’s what it looks like for an owner paid $190,000 in W-2 wages, and for an owner and spouse each paid $190,000. Two pages each, and you’ll know whether it’s worth a conversation.

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Just you
$72,000
for an owner paid $190,000 in W-2 wages
Estimated tax savings
$23,040
Net cost
$48,960
Assumes an S corporation owner age 45, $190,000 of W-2 pay, all pre-tax, a 32% tax rate.
You and your spouse
$144,000
$72,000 each, for an owner and spouse each paid $190,000
Estimated tax savings
$46,080
Net cost
$97,920
Assumes both age 45, $190,000 of W-2 pay each, the spouse on payroll for real work, all pre-tax, a 32% tax rate.
The illustration
Just you
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What these figures assume

An S corporation owner age 45 (and a spouse age 45) at year-end, each a W-2 employee paid $190,000 for real work, with no other plan contributions this year and all contributions pre-tax. Profit sharing is 25% of pay. Tax savings use a 32% individual and employer effective rate for current federal and state income tax, excluding payroll tax and QBI. 2026 IRS limits (IRS Notice 2025-67). Your figures depend on your pay, age, business and plan. Not tax advice. Actual results vary.

Your plan can also own real estate, with financing, and open earlier access to eligible Roth dollars. See what your own numbers make possible.

ALREADY HAVE RETIREMENT MONEY?

Invest in what you know.
Keep what it earns.

Your retirement money can own the rental, the note, the private company or the land you already understand. An old 401(k) or IRA rolls into your PlanForge self-directed 401(k), even while you’re working, and there’s no tax bill on the rent, the interest or the gain.
A $400,000 rental, 30% down, $4,000 a month, sold after 10 years. Rent and sale together:
TO THE IRSLEFT OVER
PlanForge 401(k)$0$499,681
Self-directed IRA$42,466$457,215
Taxable account$96,829$416,639
Plan balances shown before withdrawal. Roth money comes out tax-free, and a Roth conversion inside the plan is one of the moves we walk through.
A self-directed IRA can hold the same rental, but finance it and the profit on the part the bank paid for is taxed, at 37% past $16,000 a year. In a PlanForge 401(k) there’s no tax bill on the rent, the interest, the gain, or the part the bank paid for.
Illustrative example from the PlanForge calculator. Results depend on your numbers, your plan’s terms and tax law. Not tax or legal advice.

Guided by Nick Moore, CFP®. A real advisor. Not a call center.

Been putting this off? It takes a minute to find out what it’s worth.
PlanForge Consulting · Nick Moore, CFP® · nick@planforge401k.com · 214-908-2310 · Owner Savings Calculator
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