About PlanForge: 401(k) Consulting for Small Businesses
At PlanForge Consulting, we design customized 401(k) plans for small businesses. Our goal is to help you maximize tax savings, reduce employer costs, and boost employee retention.
We focus on companies with 15 to 75 W-2 employees. By using SECURE Act 2.0 tax credits, cross-tested plan designs, and smart vesting strategies, we regularly cut plan costs by over 90%.
In other words, offering a 401(k) no longer has to be expensive. Our clients keep more money in their pockets while giving their teams a valuable benefit. That is what we mean by “Pay Your Team, Not the IRS.”
Our Expert Team
Meet the dedicated professionals behind PlanForge Consulting’s 401(k) solutions.
Nick Moore CFP®
Founder & CFP®
Nick Moore is a Dallas-based Certified Financial Planner and the founder of PlanForge Consulting.
His path to financial planning was anything but straight. Nick spent 15 years in hospitality, including time at the Ritz-Carlton, where he learned that great service is really just about paying attention and caring about the outcome. From there, he moved into finance as a Private Client Banker at J.P. Morgan, working with clients who had complex needs and high expectations. He got his start in financial planning as an intern at Northwestern Mutual back in 2011, and the work stuck.
What drives Nick is simple: financial planning is confusing, and most people who need it most are the ones who get the least help navigating it. Small business owners especially. He built PlanForge to change that, one retirement plan at a time.
Nick lives in Dallas with his wife Sarah. He is a proud Cowboys fan and will always be sure to tell you that “this” year is going to be “our” year.
Josh Materne
Co-Founder & Strategic Advisor
Josh Materne is an attorney, investment adviser, and fund manager. He serves as Co-Founder and Strategic Advisor at PlanForge.
Josh brings a wide view to plan design. His background covers tax law, real estate, and wealth planning. This helps clients see how a 401(k) fits into their full money picture.
As President of Ideology Wealth Advisors, Josh handles investment work and compliance. He holds several licenses and can practice law in multiple states.
At PlanForge, Josh works on plan strategy and complex setups. He is skilled with cross-tested designs and ways for owners to grow their own retirement savings.
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, our results speak for themselves. We use SECURE Act 2.0 tax credits with smart plan design to cut costs for our clients. As a result, most clients see their net plan cost drop by over 90%.
Every plan we build starts with real data. That means the numbers you see reflect your actual business, not a generic estimate.
Example
A 22-employee business implemented a 2% profit share. After credits, deductions, and forfeitures, the owner’s net cost dropped to just $1,170 out of pocket. That is a savings of over 97%.
Savings
Another business with 36 employees cut their 401(k) implementation cost from nearly $20,000 down to $1,631.93. That is a 91.8% reduction in total cost.
Impact
Every plan we create starts with your real W-2 data or an ownership survey. Because of this, you can see the true impact on your bottom line before you sign anything.
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.
