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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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.
Invest in what you know.
Keep what it earns.
| TO THE IRS | LEFT OVER | |
|---|---|---|
| PlanForge 401(k) | $0 | $499,681 |
| Self-directed IRA | $42,466 | $457,215 |
| Taxable account | $96,829 | $416,639 |
Guided by Nick Moore, CFP®. A real advisor. Not a call center.