Empowering Small Business Owners with Net‑Zero 401(k) Solutions
At PlanForge Consulting, we design customized 401(k) plans for small businesses that maximize tax savings, reduce employer costs, and strengthen employee retention. Based in Dallas, Texas we proudly serve business owners nationwide, making retirement planning simple, affordable, and effective.
Our approach is different: we leverage the SECURE Act 2.0 and advanced tax strategies to turn what many see as a business expense into a net‑zero opportunity. Instead of sending money to the IRS, we help business owners redirect it into employee & owner benefits that build loyalty and long‑term financial security.
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Our Mission
Our mission at PlanForge Consulting is to empower small business owners to unlock the full potential of their retirement plans. We believe every small business deserves access to the same advanced retirement tools & strategies available to large corporations—without the complexity or unnecessary costs.
Our Expert Team
Nick Moore CFP®
Tax & Investment Advisor
Nick Moore founded PlanForge Consulting with a clear mission: to empower small business owners with retirement strategies that maximize tax savings while supporting both owners and employees. Recognizing that too many businesses overpay in taxes while the government spends irresponsibly, Nick dedicated himself to creating customized 401(k) solutions that often deliver net-zero costs. His belief is simple — business owners should keep more of what they’ve earned while building meaningful benefits that strengthen their businesses and families.
Nick began his financial career in 2012 at Northwestern Mutual, where he discovered his passion for helping clients through meaningful, results-driven conversations. Over the years, this passion grew into a specialized focus on retirement planning and tax-efficient strategies for business owners.
Before fully committing to finance, Nick spent a decade honing his interpersonal skills in the hospitality industry, working at luxury hotels such as the Ritz-Carlton and Omni Hotels, and later serving as the personal bartender for the Dallas Cowboys at AT&T Stadium. These experiences taught him the art of connection and service — qualities that continue to shape the way he advises clients today.
A proud Texan, Nick was born and raised in Terrell, TX. He earned his degree from the University of North Texas and later achieved his Certified Financial Planner™ (CFP®) designation through Southern Methodist University (SMU) in 2017. Nick also gained valuable banking experience as a Private Banker at JPMorgan Chase in Highland Park, where he worked closely with high-net-worth families and business owners.
Outside of work, Nick is engaged to his fiancée, Sarah Hovis, and is excited about building their future together. A lifelong Dallas Cowboys fan, Nick brings the same loyalty and dedication to his clients as he does to his team.
Driven by a deep commitment to making a positive impact, Nick’s mission is to ensure every client he meets is better off for having met him.
Josh Materne
Tax & Real Estate Attorney
Josh Materne is an experienced attorney, investment adviser, and private equity fund manager who provides a comprehensive approach to clients’ financial and investment needs. He holds a Juris Doctor (JD) and a Master of Business Administration (MBA) with a concentration in finance and real estate from Southern Methodist University (SMU) in Dallas, Texas.
Josh began his career in politics and public policy, working for the Florida Senate, a leading lobbying firm, and later a congressional office in Washington, D.C. There, he advised on financial legislation and regulatory issues impacting banks and financial institutions.
Transitioning into law and finance, Josh combined his policy background with his expertise in taxation, real estate, and investment strategy. Today, he serves as:
President of Ideology Multi-Family Office (IMFO) — a comprehensive financial advisory firm offering legal services, investment advisory, financial planning, tax and estate planning, insurance analysis, and retirement strategies for affluent families.
President of Ideology Capital Group (ICG) — a private equity and real estate development firm with active projects across Florida, Louisiana, Texas, Illinois, Arizona, Utah, California, Oregon, and Washington.
Josh’s leadership across these firms allows him to provide clients with integrated solutions that span tax law, investment advisory, private equity, and real estate development.
Outside of work, Josh enjoys spending time with his wife, Elizabeth, and their three daughters. A former college golfer, he still enjoys the game, collects rare bourbons, and serves as founder and chairman of the Barrels and Bottles Foundation, which raises money to support veterans and pediatric care — providing more than $250,000 in grants since its inception in 2020.
Ready to Start?
Discover how PlanForge Consulting can design a net-zero-cost 401(k) plan for your business.
Turning Retirement Plans Into Tax Savings
- Cost reductions of over 90%
- Net-zero or better plans
- Real client data
At PlanForge Consulting, our results speak for themselves. By combining the tax advantages of recent legislation — including the SECURE Act 2.0 — with smart plan design, we’ve helped business owners reduce 401(k) costs by over 90%. In many cases, net costs drop to zero or even turn into savings. These are real results, based on real businesses like yours.
Example
A 22-employee business implemented a 2% profit share. After credits, deductions, and forfeitures, the owner’s net cost was –$282.55 — tax savings more than covered the entire plan.
Savings
Another business with 36 employees cut their 401(k) implementation cost from nearly $20, 000 down to $1, 631.93, a 91.8% savings.
Impact
Every illustration we create is based on your real W-2 data or ownership questionnaires, so you can see the actual impact for your business — not estimates or guesswork.
Results
See how much your business can save with a free custom 401(k) illustration
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.
