Empowering Small Business Owners to Maximize Retirement Benefits
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 taking care of both owners and employees. After years of seeing clients overpaying on their taxes while the government continued to spend irresponsibly, Nick recognized the need for a firm dedicated to building customized 401(k) solutions that can often be implemented at net-zero cost. His driving belief is simple — owners should keep more of what they’ve earned while creating meaningful benefits that strengthen their businesses and families.
Nick’s career in financial services began in 2012 at Northwestern Mutual, where he first discovered his passion for guiding clients through meaningful conversations that inspire action. Over the years, this passion evolved into a dedicated focus on helping business owners and families achieve long-term financial success while optimizing tax efficiency.
Before fully committing to the financial industry, Nick spent a decade honing his interpersonal skills as a bartender at prestigious luxury hotels such as the Ritz-Carlton and Omni Hotels, and later 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 serves his clients today.
A proud Texan, Nick was born and raised in Terrell, Texas. He graduated from the University of North Texas and later earned his Certified Financial Planner™ credentials from Southern Methodist University (SMU) in 2017, officially achieving the CFP® designation in 2024. He also gained valuable 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 die-hard Cowboys fan, he endures the highs and lows of every season with unwavering loyalty (or at least, he tries). Driven by a deep commitment to making a positive impact, Nick strives to ensure that every client he meets is better off — and he takes joy in bringing exceptional people together to foster mutual success.
Josh Materne
Tax & Real Estate Attorney
Josh Materne is an experienced attorney, investment adviser, and PE fund manager with a comprehensive approach to his client’s financial and investment needs. Josh earned his Juris Doctor (JD) and Master of Business Administration (MBA) with a concentration in finance and real estate from Southern Methodist University in Dallas, Texas.
Prior to moving to Texas, Josh enjoyed a successful career in politics and public policy. After graduating with honors from Florida State University (FSU) with a BS in Political Science, Josh began working for the President of the Florida Senate and working towards a Master’s in Public Policy and Politics at FSU. Next, Josh worked for a Lobbying firm representing banks and financial institutions and consulted on multiple political campaigns in Florida. Upon completing his master’s degree, Josh accepted a job in Virginia with the 2012 Mitt Romney Presidential Campaign. Upon completion of the campaign, Josh moved to Washington, D.C., to work for a congressman on Capitol Hill. After almost a year in the Congressman’s office, Josh was offered a position working for a consulting firm that advised the world’s largest banks and financial institutions. Josh advised clients on current and proposed policies that would impact their business and advised these institutions on how to comply with regulatory changes that resulted from the 2008-2010 banking crisis. Finally, after two and a half years in D.C., Josh decided to head back south to warmer weather for Law School and Business School at SMU in Dallas, TX.
Josh is the President of the Ideology Multi-Family Office (IMFO), which includes the related companies, Ideology Wealth Advisors, a Registered Investment Adviser, Ideology Financial, a financial planning firm, and Materne Law. IMFO provides a complete solution for the financial and investment needs of affluent individuals and families. Their services include legal services, investment advisory, financial planning, tax advisory, estate planning, insurance analysis and management, retirement income strategies, family security, family education, financial mentoring, and philanthropy.
Josh is also the President of Ideology Capital Group (ICG), a private equity, fund management, and real estate development firm. ICG includes the related companies, Ideology Fund Management, Ideology Hospitality, and Ideology Real Estate. The company has current projects in Florida, Louisiana, Texas, Illinois, Arizona, Utah, California, Oregon, and Washington.
When not working, Josh spends most of his time with his wife Elizabeth and 3 daughters, Amelia (3), Madison (1), and newborn Lila. They enjoy family trips to Florida, Utah, and California. For fun, Josh plays golf, having played in college and professionally, and collects and enjoys rare bourbons. Josh is founder is chairman of the bourbon-focused charity, The Barrels and Bottles Foundation, which raises money to train and provide service animals to veterans and gives financial assistance to families fighting pediatric cancer. The charity has issued more than $250,000 in grants since its inception in 2020.
Ready to Start?
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 the Big Beautiful Bill + SECURE Act 2.0 with smart plan design, we’ve helped business owners reduce 401(k) costs by over 90% — often bringing net costs to zero or even turning them 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 — meaning the 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 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.