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scripts_list[i].exclude_blob!="undefined"&&scripts_list[i].exclude_blob){script.dataset.blob_exclude="1";}} i++;two_connect_script(i,scripts_list);}else{let elementor_frontend_js=null;document.querySelectorAll(".loaded_two_worker_js").forEach((elem)=>{let id=elem.getAttribute("id");if(id!='elementor-frontend-js'){two_load_delayed_js(elem);}else{elementor_frontend_js=elem;}});if(elementor_frontend_js!==null){two_load_delayed_js(elementor_frontend_js);}}} function two_load_delayed_js(elem){let data_src=elem.dataset.src;if(elem.dataset.blob_exclude==="1"){delete elem.dataset.blob_exclude;delete elem.dataset.src;delete elem.dataset.two_delay_id;delete elem.dataset.two_delay_src;} if(data_src){elem.setAttribute("src",data_src);}} function two_connect_font(data){let font_face=data.font_face;if(font_face.indexOf("font-display")>=0){const regex=/font-display:[ ]*[a-z]*[A-Z]*;/g;while((m=regex.exec(font_face))!==null){if(m.index===regex.lastIndex){regex.lastIndex++;} 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role="group" id="wp-admin-bar-new-content" class="menupop"><a class="ab-item" role="menuitem" aria-expanded="false" href="https://planforge401k.com/wp-admin/post-new.php"><span class="ab-icon" aria-hidden="true"></span><span class="ab-label">New</span></a><div class="ab-sub-wrapper"><ul role="menu" aria-label="New" id="wp-admin-bar-new-content-default" class="ab-submenu"><li role="group" id="wp-admin-bar-new-post"><a class="ab-item" role="menuitem" href="https://planforge401k.com/wp-admin/post-new.php">Post</a></li><li role="group" id="wp-admin-bar-new-media"><a class="ab-item" role="menuitem" href="https://planforge401k.com/wp-admin/media-new.php">Media</a></li><li role="group" id="wp-admin-bar-new-page"><a class="ab-item" role="menuitem" href="https://planforge401k.com/wp-admin/post-new.php?post_type=page">Page</a></li><li role="group" id="wp-admin-bar-new-e-floating-buttons"><a class="ab-item" role="menuitem" href="https://planforge401k.com/wp-admin/edit.php?action=elementor_new_post&amp;post_type=e-floating-buttons&amp;template_type=floating-buttons&amp;_wpnonce=e7f96553e1#library">Floating Element</a></li><li role="group" id="wp-admin-bar-new-elementor_library"><a class="ab-item" role="menuitem" href="https://planforge401k.com/wp-admin/post-new.php?post_type=elementor_library">Template</a></li><li role="group" id="wp-admin-bar-new-user"><a class="ab-item" role="menuitem" href="https://planforge401k.com/wp-admin/user-new.php">User</a></li></ul></div></li><li role="group" id="wp-admin-bar-wpseo-menu" class="menupop"><a class="ab-item" role="menuitem" aria-expanded="false" href="https://planforge401k.com/wp-admin/admin.php?page=wpseo_dashboard"><div id="yoast-ab-icon" class="ab-item yoast-logo svg"><span class="screen-reader-text">SEO</span></div><div aria-hidden="true" title="Focus keyphrase not set" class="wpseo-score-icon bad adminbar-seo-score"><span class="wpseo-score-text screen-reader-text">Focus keyphrase not set</span></div></a><div class="ab-sub-wrapper"><ul role="menu" id="wp-admin-bar-wpseo-menu-default" class="ab-submenu"><li role="group" id="wp-admin-bar-wpseo-seo-focus-keyword"><div class="ab-item ab-empty-item" tabindex="0" role="menuitem">Focus keyphrase: <span class="wpseo-focus-keyword">not set</span></div></li><li role="group" id="wp-admin-bar-wpseo-seo-score"><div class="ab-item ab-empty-item" tabindex="0" role="menuitem">SEO score: <div aria-hidden="true" title="Focus keyphrase not set" class="wpseo-score-icon bad adminbar-sub-menu-score"><span class="wpseo-score-text screen-reader-text">Focus keyphrase not set</span></div></div></li><li role="group" id="wp-admin-bar-wpseo-readability-score"><div class="ab-item ab-empty-item" tabindex="0" role="menuitem">Readability: <div aria-hidden="true" title="Not available" class="wpseo-score-icon na adminbar-sub-menu-score"><span class="wpseo-score-text screen-reader-text">Not available</span></div></div></li><li role="group" id="wp-admin-bar-wpseo-frontend-inspector"><a class="ab-item" tabindex="0" role="menuitem" href="https://yoa.st/admin-bar-frontend-inspector?php_version=8.3&amp;platform=wordpress&amp;platform_version=6.9.1&amp;software=free&amp;software_version=25.6&amp;days_active=216&amp;user_language=en_US" target="_blank">Front-end SEO inspector<span class="yoast-badge yoast-premium-badge" id="wpseo-frontend-inspector-badge-premium-badge">Premium</span></a></li><li role="group" id="wp-admin-bar-wpseo-analysis" class="menupop"><div class="ab-item ab-empty-item" tabindex="0" role="menuitem" aria-expanded="false"><span class="wp-admin-bar-arrow" aria-hidden="true"></span>Analyze this page</div><div class="ab-sub-wrapper"><ul role="menu" id="wp-admin-bar-wpseo-analysis-default" class="ab-submenu"><li role="group" id="wp-admin-bar-wpseo-inlinks"><a class="ab-item" role="menuitem" href="https://search.google.com/search-console/links/drilldown?resource_id=https%3A%2F%2Fplanforge401k.com&amp;type=EXTERNAL&amp;target=https%3A%2F%2Fplanforge401k.com%2Falp-ref%2F&amp;domain=" target="_blank">Check links to this URL</a></li><li role="group" id="wp-admin-bar-wpseo-structureddata"><a class="ab-item" role="menuitem" href="https://search.google.com/test/rich-results?url=https%3A%2F%2Fplanforge401k.com%2Falp-ref%2F" target="_blank">Google Rich Results Test</a></li><li role="group" id="wp-admin-bar-wpseo-facebookdebug"><a class="ab-item" role="menuitem" href="//developers.facebook.com/tools/debug/?q=https%3A%2F%2Fplanforge401k.com%2Falp-ref%2F" target="_blank">Facebook Debugger</a></li><li role="group" id="wp-admin-bar-wpseo-pagespeed"><a class="ab-item" role="menuitem" href="//developers.google.com/speed/pagespeed/insights/?url=https%3A%2F%2Fplanforge401k.com%2Falp-ref%2F" target="_blank">Google Page Speed Test</a></li></ul></div></li><li role="group" id="wp-admin-bar-wpseo-sub-tools" class="menupop"><div class="ab-item ab-empty-item" tabindex="0" role="menuitem" aria-expanded="false"><span class="wp-admin-bar-arrow" aria-hidden="true"></span>SEO Tools</div><div class="ab-sub-wrapper"><ul role="menu" id="wp-admin-bar-wpseo-sub-tools-default" class="ab-submenu"><li role="group" id="wp-admin-bar-wpseo-semrush"><a class="ab-item" role="menuitem" href="https://yoa.st/admin-bar-semrush?php_version=8.3&amp;platform=wordpress&amp;platform_version=6.9.1&amp;software=free&amp;software_version=25.6&amp;days_active=216&amp;user_language=en_US" target="_blank">Semrush</a></li><li role="group" id="wp-admin-bar-wpseo-wincher"><a class="ab-item" role="menuitem" href="https://yoa.st/admin-bar-wincher?php_version=8.3&amp;platform=wordpress&amp;platform_version=6.9.1&amp;software=free&amp;software_version=25.6&amp;days_active=216&amp;user_language=en_US" target="_blank">Wincher</a></li><li role="group" id="wp-admin-bar-wpseo-google-trends"><a class="ab-item" role="menuitem" href="https://yoa.st/admin-bar-gtrends?php_version=8.3&amp;platform=wordpress&amp;platform_version=6.9.1&amp;software=free&amp;software_version=25.6&amp;days_active=216&amp;user_language=en_US" target="_blank">Google trends</a></li></ul></div></li><li role="group" id="wp-admin-bar-wpseo-sub-howto" class="menupop"><div class="ab-item ab-empty-item" tabindex="0" role="menuitem" aria-expanded="false"><span class="wp-admin-bar-arrow" aria-hidden="true"></span>How to</div><div class="ab-sub-wrapper"><ul role="menu" id="wp-admin-bar-wpseo-sub-howto-default" class="ab-submenu"><li role="group" id="wp-admin-bar-wpseo-learn-seo"><a class="ab-item" role="menuitem" href="https://yoa.st/admin-bar-learn-more-seo?php_version=8.3&amp;platform=wordpress&amp;platform_version=6.9.1&amp;software=free&amp;software_version=25.6&amp;days_active=216&amp;user_language=en_US" target="_blank">Learn more SEO</a></li><li role="group" id="wp-admin-bar-wpseo-improve-blogpost"><a class="ab-item" role="menuitem" href="https://yoa.st/admin-bar-improve-blog-post?php_version=8.3&amp;platform=wordpress&amp;platform_version=6.9.1&amp;software=free&amp;software_version=25.6&amp;days_active=216&amp;user_language=en_US" target="_blank">Improve your blog post</a></li><li role="group" id="wp-admin-bar-wpseo-write-better-content"><a class="ab-item" role="menuitem" href="https://yoa.st/admin-bar-write-better?php_version=8.3&amp;platform=wordpress&amp;platform_version=6.9.1&amp;software=free&amp;software_version=25.6&amp;days_active=216&amp;user_language=en_US" target="_blank">Write better content</a></li></ul></div></li><li role="group" id="wp-admin-bar-wpseo-sub-get-help"><a class="ab-item" tabindex="0" role="menuitem" href="https://planforge401k.com/wp-admin/admin.php?page=wpseo_page_support">Help</a></li><li role="group" id="wp-admin-bar-wpseo-settings" class="menupop"><div class="ab-item ab-empty-item" tabindex="0" role="menuitem" aria-expanded="false"><span class="wp-admin-bar-arrow" aria-hidden="true"></span>SEO Settings</div><div class="ab-sub-wrapper"><ul role="menu" id="wp-admin-bar-wpseo-settings-default" class="ab-submenu"><li role="group" id="wp-admin-bar-wpseo-page-settings"><a class="ab-item" role="menuitem" href="https://planforge401k.com/wp-admin/admin.php?page=wpseo_page_settings">Settings</a></li><li role="group" id="wp-admin-bar-wpseo-tools"><a class="ab-item" role="menuitem" href="https://planforge401k.com/wp-admin/admin.php?page=wpseo_tools">Tools</a></li><li role="group" id="wp-admin-bar-wpseo-licenses"><a class="ab-item" role="menuitem" href="https://planforge401k.com/wp-admin/admin.php?page=wpseo_licenses">Plans</a></li></ul></div></li><li role="group" id="wp-admin-bar-wpseo-get-premium"><div class="ab-item ab-empty-item" tabindex="0" role="menuitem"><a href="https://yoa.st/admin-bar-get-premium?php_version=8.3&amp;platform=wordpress&amp;platform_version=6.9.1&amp;software=free&amp;software_version=25.6&amp;days_active=216&amp;user_language=en_US" target="_blank" data-action="load-nfd-ctb" data-ctb-id="f6a84663-465f-4cb5-8ba5-f7a6d72224b2" style="padding:0;">Get Yoast SEO Premium » </a></div></li></ul></div></li><li role="group" id="wp-admin-bar-google-site-kit" class="menupop googlesitekit-wp-adminbar"><a class="ab-item" role="menuitem" href="#"><span class="googlesitekit-wp-adminbar__icon"></span> <span class="googlesitekit-wp-adminbar__label">Site Kit</span></a> <div class="googlesitekit-plugin ab-sub-wrapper"> <noscript> <div class="googlesitekit-noscript notice notice-warning"> <div class="mdc-layout-grid"> <div class="mdc-layout-grid__inner"> <div class="mdc-layout-grid__cell mdc-layout-grid__cell--span-12"> <p class="googlesitekit-noscript__text"> The Site Kit by Google plugin requires JavaScript to be enabled in your browser. </p> </div> </div> </div> </div> </noscript> <div id="js-googlesitekit-adminbar" data-view-only="" class="googlesitekit-adminbar"> <section id="js-googlesitekit-adminbar-modules" class="googlesitekit-adminbar-modules"></section> </div> </div> </li><li role="group" id="wp-admin-bar-tenweb_cache" class="menupop"><a class="ab-item" role="menuitem" aria-expanded="false" href="#">Manage 10WEB Cache</a><div class="ab-sub-wrapper"><ul role="menu" id="wp-admin-bar-tenweb_cache-default" class="ab-submenu"><li role="group" id="wp-admin-bar-tenweb_manager"><a class="ab-item" role="menuitem" href="#" onclick="tenwebCachePurgeDropdown()" title="Clear Cache">Clear 10WEB cache</a></li><li role="group" id="wp-admin-bar-tenweb_clear_so_cache"><a class="ab-item" role="menuitem" href="#" onclick="tenwebClearSOCache()" title="Clear SO Cache">Clear SB cache</a></li><li role="group" id="wp-admin-bar-tenweb_clear_all_cache"><a class="ab-item" role="menuitem" href="#" onclick="tenwebClearAllCache()" title="Clear All Cache">Clear all cache</a></li><li role="group" id="wp-admin-bar-tenweb_clear_object_cache"><a class="ab-item" role="menuitem" href="#" onclick="tenwebClearObjectCache()" title="Clear Object Cache">Clear Object Cache</a></li></ul></div></li><li role="group" id="wp-admin-bar-twbb_builder"><a class="ab-item" role="menuitem" href="https://planforge401k.com/wp-admin/post.php?post=2734&amp;action=elementor">Edit with 10WEB builder</a></li><li role="group" id="wp-admin-bar-wpcode-admin-bar-info" class="menupop wpcode-admin-bar-info menupop"><a class="ab-item" role="menuitem" aria-expanded="false" href="https://planforge401k.com/wp-admin/admin.php?page=wpcode">WPCode</a><div class="ab-sub-wrapper"><ul role="menu" id="wp-admin-bar-wpcode-admin-bar-info-default" class="ab-submenu"><li role="group" id="wp-admin-bar-wpcode-description" class="wpcode-admin-bar-info-submenu wpcode-admin-bar-description"><div class="ab-item ab-empty-item" role="menuitem">Loaded on this page</div></li><li role="group" id="wp-admin-bar-wpcode-global-scripts" class="menupop wpcode-admin-bar-info-submenu"><a class="ab-item" role="menuitem" aria-expanded="false" href="https://planforge401k.com/wp-admin/admin.php?page=wpcode-headers-footers"><span class="wp-admin-bar-arrow" aria-hidden="true"></span>Global Scripts (1)</a><div class="ab-sub-wrapper"><ul role="menu" id="wp-admin-bar-wpcode-global-scripts-default" class="ab-submenu"><li role="group" id="wp-admin-bar-wpcode-global-header" class="wpcode-admin-bar-info-submenu"><a class="ab-item" role="menuitem" href="https://planforge401k.com/wp-admin/admin.php?page=wpcode-headers-footers#wpcode-global-header">Global Header (1)</a></li><li role="group" id="wp-admin-bar-wpcode-global-body" class="wpcode-admin-bar-info-submenu"><a class="ab-item" role="menuitem" href="https://planforge401k.com/wp-admin/admin.php?page=wpcode-headers-footers#wpcode-global-body">Global Body (0)</a></li><li role="group" id="wp-admin-bar-wpcode-global-footer" class="wpcode-admin-bar-info-submenu"><a class="ab-item" role="menuitem" href="https://planforge401k.com/wp-admin/admin.php?page=wpcode-headers-footers#wpcode-global-footer">Global Footer (0)</a></li></ul></div></li><li role="group" id="wp-admin-bar-wpcode-loaded-on-this-page" class="menupop wpcode-admin-bar-info-submenu"><a class="ab-item" role="menuitem" aria-expanded="false" href="https://planforge401k.com/wp-admin/admin.php?page=wpcode"><span class="wp-admin-bar-arrow" aria-hidden="true"></span>Code Snippets (3)</a><div class="ab-sub-wrapper"><ul role="menu" id="wp-admin-bar-wpcode-loaded-on-this-page-default" class="ab-submenu"><li class="wpcode-admin-bar-info-location menupop" data-location-id="site_wide_footer"><a class="ab-item" aria-haspopup="true" href="https://planforge401k.com/wp-admin/admin.php?page=wpcode&amp;location=site_wide_footer&amp;filter_action=filter"><span class="wp-admin-bar-arrow" aria-hidden="true"></span>Site Wide Footer (3)</a><div class="ab-sub-wrapper"><ul class="ab-submenu"><li class="wpcode-admin-bar-info-snippet" data-snippet-id="2723"><a href="https://planforge401k.com/wp-admin/admin.php?page=wpcode-snippet-manager&amp;snippet_id=2723" class="ab-item">Referral Page Snippet</a></li><li class="wpcode-admin-bar-info-snippet" data-snippet-id="2706"><a href="https://planforge401k.com/wp-admin/admin.php?page=wpcode-snippet-manager&amp;snippet_id=2706" class="ab-item">Untitled Snippet</a></li><li class="wpcode-admin-bar-info-snippet" data-snippet-id="2663"><a href="https://planforge401k.com/wp-admin/admin.php?page=wpcode-snippet-manager&amp;snippet_id=2663" class="ab-item">Floating Footer</a></li></ul></div></li></ul></div></li><li role="group" id="wp-admin-bar-wpcode-page-scripts" class="menupop wpcode-admin-bar-has-upsell-submenu"><div class="ab-item ab-empty-item" role="menuitem" aria-expanded="false"><span class="wp-admin-bar-arrow" aria-hidden="true"></span>Page Scripts <span 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width: 100px; margin-top: 0px; margin-bottom: 0px; top: 32px;"> <div class="elementor-element elementor-element-29491d3 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-image" data-id="29491d3" data-element_type="widget" data-e-type="widget" data-widget_type="image.default" style="background: transparent;"> <a href="https://planforge401k.com"> <img width="600" height="600" src="https://planforge401k.com/wp-content/uploads/2025/08/63E49FFC-6219-4DF6-B217-15B278D63D19.png" class="attachment-tenweb_optimizer_mobile size-tenweb_optimizer_mobile wp-image-288" alt="" srcset="https://planforge401k.com/wp-content/uploads/2025/08/63E49FFC-6219-4DF6-B217-15B278D63D19.png 1024w, https://planforge401k.com/wp-content/uploads/2025/08/63E49FFC-6219-4DF6-B217-15B278D63D19-300x300.png 300w, https://planforge401k.com/wp-content/uploads/2025/08/63E49FFC-6219-4DF6-B217-15B278D63D19-150x150.png 150w, 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href="https://planforge401k.com/illustrations/" class="twbb-sub-item">Owner Calculator</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2364"><a target="blank" href="https://planforge401k.com/owner-savings/" class="twbb-sub-item">Ownership Questionnaire</a></li> </ul> </li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-296"><a href="https://planforge401k.com/success/" class="twbb-item">Success Stories</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-295"><a href="https://planforge401k.com/referrals/" class="twbb-item has-submenu" id="sm-17727072861283809-3" aria-haspopup="true" aria-controls="sm-17727072861283809-4" aria-expanded="false">Referrals &amp; Partnerships<span class="sub-arrow"><i class="fa"></i></span></a> <ul class="sub-menu twbb-nav-menu--dropdown" id="sm-17727072861283809-4" role="group" aria-hidden="true" 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class="twbb-item">Contact Us</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2668"><a href="https://planforge401k.com/tnt/" class="twbb-item">Team North Texas</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2685"><a href="https://planforge401k.com/technology/" class="twbb-item">Technology</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2711"><a href="https://planforge401k.com/rbe210/" class="twbb-item">Real Example #58</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page current-menu-item page_item page-item-2734 current_page_item menu-item-2735"><a href="https://planforge401k.com/alp-ref/" aria-current="page" class="twbb-item twbb-item-active">AlphaGraphics Referral Illustration</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2740"><a href="https://planforge401k.com/tester/" class="twbb-item">Tester</a></li> 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aria-expanded="false">Referrals &amp; Partnerships<span class="sub-arrow"><i class="fa"></i></span></a> <ul class="sub-menu twbb-nav-menu--dropdown" id="sm-17727072861299888-4" role="group" aria-hidden="true" aria-labelledby="sm-17727072861299888-3" aria-expanded="false"> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1332"><a href="https://planforge401k.com/partnership-opportunities/" class="twbb-sub-item">Become a Partner</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2341"><a target="blank" href="https://planforge401k.com/partner-calculator/" class="twbb-sub-item">Partner Calculator</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2503"><a target="blank" href="https://planforge401k.com/refer/" class="twbb-sub-item">Refer a Business</a></li> </ul> </li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-247"><a target="blank" href="https://planforge401k.com/401k-university-education-hub/" class="twbb-item">401(k) University</a></li> <li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-543"><a href="#contact" class="twbb-item">Contact Us</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2668"><a href="https://planforge401k.com/tnt/" class="twbb-item">Team North Texas</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2685"><a href="https://planforge401k.com/technology/" class="twbb-item">Technology</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2711"><a href="https://planforge401k.com/rbe210/" class="twbb-item">Real Example #58</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page current-menu-item page_item page-item-2734 current_page_item menu-item-2735"><a href="https://planforge401k.com/alp-ref/" aria-current="page" class="twbb-item twbb-item-active">AlphaGraphics Referral Illustration</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2740"><a href="https://planforge401k.com/tester/" class="twbb-item">Tester</a></li> </ul> </nav> </div> </div> <div class="elementor-element elementor-element-bfff731 elementor-widget__width-initial elementor-button-info elementor-hidden-tablet elementor-hidden-mobile elementor-align-center elementor-widget elementor-widget-button" data-id="bfff731" data-element_type="widget" data-e-type="widget" data-widget_type="button.default" style="background: transparent;"> <a class="elementor-button elementor-button-link elementor-size-sm" href="#contact"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Contact Us</span> </span> </a> </div> </div><div class="elementor-element elementor-element-741c55c twbb_section e-con-full e-flex e-con e-child elementor-sticky elementor-sticky__spacer" data-id="741c55c" data-element_type="container" data-e-type="container" data-settings="{&quot;background_background&quot;:&quot;classic&quot;,&quot;tenweb_sticky&quot;:&quot;top&quot;,&quot;tenweb_sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;tenweb_sticky_offset&quot;:0,&quot;tenweb_sticky_effects_offset&quot;:0}" style="background: transparent; visibility: hidden; transition: none; animation: auto ease 0s 1 normal none running none;"> <div class="elementor-element elementor-element-29491d3 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-image" data-id="29491d3" data-element_type="widget" data-e-type="widget" data-widget_type="image.default" style="background: transparent;"> <a href="https://planforge401k.com"> <img width="600" height="600" src="https://planforge401k.com/wp-content/uploads/2025/08/63E49FFC-6219-4DF6-B217-15B278D63D19.png" class="attachment-tenweb_optimizer_mobile size-tenweb_optimizer_mobile wp-image-288" alt="" srcset="https://planforge401k.com/wp-content/uploads/2025/08/63E49FFC-6219-4DF6-B217-15B278D63D19.png 1024w, https://planforge401k.com/wp-content/uploads/2025/08/63E49FFC-6219-4DF6-B217-15B278D63D19-300x300.png 300w, https://planforge401k.com/wp-content/uploads/2025/08/63E49FFC-6219-4DF6-B217-15B278D63D19-150x150.png 150w, https://planforge401k.com/wp-content/uploads/2025/08/63E49FFC-6219-4DF6-B217-15B278D63D19-768x768.png 768w" sizes="(max-width: 600px) 100vw, 600px"> </a> </div> <div class="elementor-element elementor-element-187ffb6 twbb-nav-menu__align-center twbb-nav-menu--indicator-angle twbb-responsive-nav-menu--horizontal twbb-responsive-nav-menu--tablet-dropdown twbb-responsive-nav-menu--mobile-dropdown twbb-nav-menu--toggle twbb-nav-menu--burger twbb-nav-menu--stretch yes twbb-nav-menu__text-align-center elementor-widget elementor-widget-twbb-nav-menu" data-id="187ffb6" data-element_type="widget" data-e-type="widget" data-settings="{&quot;layout&quot;:&quot;horizontal&quot;,&quot;layout_tablet&quot;:&quot;dropdown&quot;,&quot;layout_mobile&quot;:&quot;dropdown&quot;,&quot;toggle&quot;:&quot;burger&quot;,&quot;full_width&quot;:&quot; yes&quot;}" data-widget_type="twbb-nav-menu.default" style="background: transparent;"> <div class="elementor-widget-container"> <nav class="twbb-nav-menu--main twbb-nav-menu__container e--pointer-underline e--animation-grow"> <ul id="menu-1-187ffb6" class="twbb-nav-menu twbb-menu_term_id-20"><li class="a1i0s0 menu-item menu-item-type-post_type menu-item-object-page menu-item-243"><a href="https://planforge401k.com/about-us/" class="twbb-item">About Us</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-420"><a href="https://planforge401k.com/services/" class="twbb-item">Our Services</a> <ul class="sub-menu twbb-nav-menu--dropdown"> <li class="menu-item menu-item-type-post_type menu-item-object-page 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href="https://planforge401k.com/technology/" class="twbb-item">Technology</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2711"><a href="https://planforge401k.com/rbe210/" class="twbb-item">Real Example #58</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page current-menu-item page_item page-item-2734 current_page_item menu-item-2735"><a href="https://planforge401k.com/alp-ref/" aria-current="page" class="twbb-item twbb-item-active">AlphaGraphics Referral Illustration</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2740"><a href="https://planforge401k.com/tester/" class="twbb-item">Tester</a></li> </ul> </nav> <div class="twbb-menu-toggle" role="button" tabindex="0" aria-label="Menu Toggle" aria-expanded="false"> <svg aria-hidden="true" role="presentation" class="twbb-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar" viewBox="0 0 1000 1000" 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twbb-nav-menu__container"> <ul id="menu-2-187ffb6" class="twbb-nav-menu twbb-menu_term_id-20"><li class="a1i0s0 menu-item menu-item-type-post_type menu-item-object-page menu-item-243"><a href="https://planforge401k.com/about-us/" class="twbb-item">About Us</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-420"><a href="https://planforge401k.com/services/" class="twbb-item">Our Services</a> <ul class="sub-menu twbb-nav-menu--dropdown"> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1331"><a href="https://planforge401k.com/illustrations/" class="twbb-sub-item">Owner Calculator</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2364"><a target="blank" href="https://planforge401k.com/owner-savings/" class="twbb-sub-item">Ownership Questionnaire</a></li> </ul> </li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-296"><a 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menu-item-object-page menu-item-247"><a target="blank" href="https://planforge401k.com/401k-university-education-hub/" class="twbb-item">401(k) University</a></li> <li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-543"><a href="#contact" class="twbb-item">Contact Us</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2668"><a href="https://planforge401k.com/tnt/" class="twbb-item">Team North Texas</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2685"><a href="https://planforge401k.com/technology/" class="twbb-item">Technology</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2711"><a href="https://planforge401k.com/rbe210/" class="twbb-item">Real Example #58</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page current-menu-item page_item page-item-2734 current_page_item menu-item-2735"><a 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data-settings="{&quot;background_background&quot;:&quot;classic&quot;,&quot;tenweb_sticky&quot;:&quot;top&quot;,&quot;tenweb_sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;tenweb_sticky_offset&quot;:0,&quot;tenweb_sticky_effects_offset&quot;:0}" style="background: transparent;"> <div class="elementor-element elementor-element-29491d3 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-image" data-id="29491d3" data-element_type="widget" data-e-type="widget" data-widget_type="image.default" style="background: transparent;"> <a href="https://planforge401k.com"> <img width="600" height="600" src="https://planforge401k.com/wp-content/uploads/2025/08/63E49FFC-6219-4DF6-B217-15B278D63D19.png" class="attachment-tenweb_optimizer_mobile size-tenweb_optimizer_mobile wp-image-288" alt="" srcset="https://planforge401k.com/wp-content/uploads/2025/08/63E49FFC-6219-4DF6-B217-15B278D63D19.png 1024w, https://planforge401k.com/wp-content/uploads/2025/08/63E49FFC-6219-4DF6-B217-15B278D63D19-300x300.png 300w, https://planforge401k.com/wp-content/uploads/2025/08/63E49FFC-6219-4DF6-B217-15B278D63D19-150x150.png 150w, https://planforge401k.com/wp-content/uploads/2025/08/63E49FFC-6219-4DF6-B217-15B278D63D19-768x768.png 768w" sizes="(max-width: 600px) 100vw, 600px"> </a> </div> <div class="elementor-element elementor-element-187ffb6 twbb-nav-menu__align-center twbb-nav-menu--indicator-angle twbb-responsive-nav-menu--horizontal twbb-responsive-nav-menu--tablet-dropdown twbb-responsive-nav-menu--mobile-dropdown twbb-nav-menu--toggle twbb-nav-menu--burger twbb-nav-menu--stretch yes twbb-nav-menu__text-align-center elementor-widget elementor-widget-twbb-nav-menu" data-id="187ffb6" data-element_type="widget" data-e-type="widget" data-settings="{&quot;layout&quot;:&quot;horizontal&quot;,&quot;layout_tablet&quot;:&quot;dropdown&quot;,&quot;layout_mobile&quot;:&quot;dropdown&quot;,&quot;toggle&quot;:&quot;burger&quot;,&quot;full_width&quot;:&quot; yes&quot;}" data-widget_type="twbb-nav-menu.default" style="background: transparent;"> <div class="elementor-widget-container"> <nav class="twbb-nav-menu--main twbb-nav-menu__container e--pointer-underline e--animation-grow"> <ul id="menu-1-187ffb6" class="twbb-nav-menu twbb-menu_term_id-20"><li class="a1i0s0 menu-item menu-item-type-post_type menu-item-object-page menu-item-243"><a href="https://planforge401k.com/about-us/" class="twbb-item">About Us</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-420"><a href="https://planforge401k.com/services/" class="twbb-item">Our Services</a> <ul class="sub-menu twbb-nav-menu--dropdown"> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1331"><a href="https://planforge401k.com/illustrations/" class="twbb-sub-item">Owner Calculator</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2364"><a target="blank" href="https://planforge401k.com/owner-savings/" class="twbb-sub-item">Ownership Questionnaire</a></li> </ul> </li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-296"><a href="https://planforge401k.com/success/" class="twbb-item">Success Stories</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-295"><a href="https://planforge401k.com/referrals/" class="twbb-item">Referrals &amp; Partnerships</a> <ul class="sub-menu twbb-nav-menu--dropdown"> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1332"><a href="https://planforge401k.com/partnership-opportunities/" class="twbb-sub-item">Become a Partner</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2341"><a target="blank" href="https://planforge401k.com/partner-calculator/" class="twbb-sub-item">Partner Calculator</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2503"><a target="blank" href="https://planforge401k.com/refer/" class="twbb-sub-item">Refer a Business</a></li> </ul> </li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-247"><a target="blank" href="https://planforge401k.com/401k-university-education-hub/" class="twbb-item">401(k) University</a></li> <li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-543"><a href="#contact" class="twbb-item">Contact Us</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2668"><a href="https://planforge401k.com/tnt/" class="twbb-item">Team North Texas</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2685"><a href="https://planforge401k.com/technology/" class="twbb-item">Technology</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2711"><a href="https://planforge401k.com/rbe210/" class="twbb-item">Real Example #58</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page current-menu-item page_item page-item-2734 current_page_item menu-item-2735"><a href="https://planforge401k.com/alp-ref/" aria-current="page" class="twbb-item twbb-item-active">AlphaGraphics Referral Illustration</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2740"><a href="https://planforge401k.com/tester/" class="twbb-item">Tester</a></li> </ul> </nav> <div class="twbb-menu-toggle" role="button" tabindex="0" aria-label="Menu Toggle" aria-expanded="false"> <svg aria-hidden="true" role="presentation" class="twbb-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar" viewBox="0 0 1000 1000" 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twbb-nav-menu__container"> <ul id="menu-2-187ffb6" class="twbb-nav-menu twbb-menu_term_id-20"><li class="a1i0s0 menu-item menu-item-type-post_type menu-item-object-page menu-item-243"><a href="https://planforge401k.com/about-us/" class="twbb-item">About Us</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-420"><a href="https://planforge401k.com/services/" class="twbb-item">Our Services</a> <ul class="sub-menu twbb-nav-menu--dropdown"> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1331"><a href="https://planforge401k.com/illustrations/" class="twbb-sub-item">Owner Calculator</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2364"><a target="blank" href="https://planforge401k.com/owner-savings/" class="twbb-sub-item">Ownership Questionnaire</a></li> </ul> </li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-296"><a href="https://planforge401k.com/success/" class="twbb-item">Success Stories</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-295"><a href="https://planforge401k.com/referrals/" class="twbb-item">Referrals &amp; Partnerships</a> <ul class="sub-menu twbb-nav-menu--dropdown"> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1332"><a href="https://planforge401k.com/partnership-opportunities/" class="twbb-sub-item">Become a Partner</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2341"><a target="blank" href="https://planforge401k.com/partner-calculator/" class="twbb-sub-item">Partner Calculator</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2503"><a target="blank" href="https://planforge401k.com/refer/" class="twbb-sub-item">Refer a Business</a></li> </ul> </li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-247"><a target="blank" href="https://planforge401k.com/401k-university-education-hub/" class="twbb-item">401(k) University</a></li> <li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-543"><a href="#contact" class="twbb-item">Contact Us</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2668"><a href="https://planforge401k.com/tnt/" class="twbb-item">Team North Texas</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2685"><a href="https://planforge401k.com/technology/" class="twbb-item">Technology</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2711"><a href="https://planforge401k.com/rbe210/" class="twbb-item">Real Example #58</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page current-menu-item page_item page-item-2734 current_page_item menu-item-2735"><a href="https://planforge401k.com/alp-ref/" aria-current="page" class="twbb-item twbb-item-active">AlphaGraphics Referral Illustration</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2740"><a href="https://planforge401k.com/tester/" class="twbb-item">Tester</a></li> </ul> </nav> </div> </div> <div class="elementor-element elementor-element-bfff731 elementor-widget__width-initial elementor-button-info elementor-hidden-tablet elementor-hidden-mobile elementor-align-center elementor-widget elementor-widget-button" data-id="bfff731" data-element_type="widget" data-e-type="widget" data-widget_type="button.default" style="background: transparent;"> <a class="elementor-button elementor-button-link elementor-size-sm" href="#contact"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-text">Contact Us</span> </span> </a> </div> </div> </div> </div> <div data-elementor-type="wp-page" data-elementor-id="2734" class="elementor elementor-2734 elementor-bc-flex-widget" style="background: transparent;"> <section class="elementor-section elementor-top-section elementor-element elementor-element-7f979378 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default" data-id="7f979378" data-element_type="section" data-e-type="section" data-settings="{&quot;stretch_section&quot;:&quot;section-stretched&quot;}" style="background: transparent; width: 1470px; left: -305px;"> <div class="elementor-container elementor-column-gap-no"> <div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-74a2142f" data-id="74a2142f" data-element_type="column" data-e-type="column" style="background: transparent;"> <div class="elementor-widget-wrap elementor-element-populated" style="background: transparent;"> <div class="elementor-element elementor-element-79286357 elementor-widget elementor-widget-twbbpost-content" data-id="79286357" data-element_type="widget" data-e-type="widget" data-widget_type="twbbpost-content.default" style="background: transparent;"> <div class="elementor-widget-container"> <div data-elementor-type="wp-page" data-elementor-id="2734" class="elementor elementor-2734 elementor-bc-flex-widget" style="background: transparent;"> <div class="elementor-element elementor-element-l29b6fo e-flex e-con-boxed e-con e-parent e-lazyloaded" data-id="l29b6fo" data-element_type="container" data-e-type="container" style="background: transparent;"> <div class="e-con-inner"> <div class="elementor-element elementor-element-qw7q6h7 elementor-widget elementor-widget-html" data-id="qw7q6h7" data-element_type="widget" data-e-type="widget" data-widget_type="html.default" style="background: transparent;"> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1.0"> <title data-pf="title">PlanForge — Real Business #210 Plan Illustration</title> <div class="pf-page-layout"> <div class="pf-side-photo"><img src="https://planforge401k.com/wp-content/uploads/2025/08/AdobeStock_1474176833-scaled.jpeg" alt="American manufacturing and workforce"></div> <div class="pf-texas-photo"><img src="https://planforge401k.com/wp-content/uploads/2025/08/AdobeStock_343630767-scaled.jpeg" alt="Texas"></div> <div class="pf-page-column"> <div class="page"> <!-- HERO BANNER IMAGE --> <img class="pf-hero-banner" src="https://planforge401k.com/wp-content/uploads/2025/08/AdobeStock_215484326-scaled.jpeg" alt="Team reaching the summit together"> <!-- HEADER --> <div class="header"> <div> <div class="sans" style="color:var(--gold);font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;">PlanForge Consulting</div> <div style="color:#fff;font-size:26px;font-weight:700;margin-top:4px;">Profit Share Illustration</div> </div> <div style="text-align:right;color:#fff;"> <div data-pf="bizName" style="font-size:22px;font-weight:700;">Real Business #210</div> <div class="sans" style="font-size:12px;opacity:0.8;">2025 Plan Year</div> </div> </div> <!-- RATE SELECTOR BAR --> <div class="rate-bar" id="rateBar"><div class="rate-pill" onclick="renderScenario(0)">1%<span class="sub">$8,230 owner</span></div><div class="rate-pill" onclick="renderScenario(1)">2%<span class="sub">$16,461 owner</span></div><div class="rate-pill" onclick="renderScenario(2)">3%<span class="sub">$24,691 owner</span></div><div class="rate-pill" onclick="renderScenario(3)">4%<span class="sub">$32,921 owner</span></div><div class="rate-pill" onclick="renderScenario(4)">5%<span class="sub">$70,000 owner</span></div></div> <div class="content sans"> <!-- CLIENT INFO --> <div class="info-bar"> <div> <div data-pf="ownerInfo" style="font-weight:700;font-size:13px;color:#222;">Owners: Business Owner (age 68), Business Owner 2 (age 29)</div> <div style="color:#777;font-size:11px;margin-top:2px;">18 eligible employees &nbsp;|&nbsp; 16 non-owner employees</div> </div> <div style="text-align:right;font-size:12px;color:#777;"> <div id="ownerCompDisplay">Gross Salaries: <strong style="color:#222;">$1,566,460</strong></div> </div> </div> <div class="disclaimer">All employer contributions shown are voluntary and discretionary — there is no required contribution under this strategy.</div> <!-- TWO CARDS --> <div class="cards"> <div class="card" style="border:2px solid var(--navy);"> <div class="card-header" style="background:var(--navy);">PLANFORGE STANDARD</div> <div class="card-body"> <div class="hero-label">Reward Your Team, Not the IRS</div> <div class="hero-num" style="color:var(--navy);" id="stdHeroNum">$25,778</div> <div class="hero-sub">in tax savings</div> <table class="metrics" id="stdMetrics"><tbody><tr><td>Total Profit Share (2.25% flat)</td><td>$40,892</td></tr><tr><td>Owner's Retained Share</td><td>($10,268)</td></tr><tr><td>Tax Deductions (32%)</td><td>($7,183)</td></tr><tr><td>SECURE 2.0 Credits</td><td>($18,446)</td></tr><tr><td>S-Corp FICA Savings</td><td>($149)</td></tr><tr><td style="color:#999;">Est. Forfeitures* (not in net cost)</td><td style="color:#999;">($7,656)</td></tr></tbody></table> <div class="net-cost-bar gray"> <span style="font-weight:700;font-size:12px;">Net Cost to Business</span> <span style="font-weight:700;font-size:19px;" id="stdNetCostDisplay">$4,846</span> </div> </div> <div class="card-footer" style="border-top:1px solid #e8e8e8;"> <div style="color:#888;font-size:10px;" id="stdSaveLabel">vs 3% Safe Harbor (Typical Strategy)</div> <div style="color:var(--navy);font-size:22px;font-weight:700;margin:4px 0 2px;" id="stdSaveNum">Save $18,340</div> <div style="color:#888;font-size:10px;" id="stdSavePct">79% less than a typical plan</div> </div> </div> <div class="card" style="border:2px solid var(--green);"> <div class="card-header" style="background:var(--green);">PLANFORGE OPTIMIZED</div> <div class="card-body"> <div class="hero-label">More for You. Less for Uncle Sam.</div> <div class="hero-num" style="color:var(--green);" id="optHeroNum">$51,305</div> <div class="hero-sub">in tax savings</div> <table class="metrics" id="optMetrics"><tbody><tr><td>Total Profit Share <span style="font-weight:400;color:#999;font-size:10px;">(5.0% Cross-Tested)</span></td><td>$127,325</td></tr><tr><td>Owner's Retained Share</td><td style="color:var(--green);font-weight:600;">($71,820)</td></tr><tr><td>Tax Deductions (32%)</td><td>($36,264)</td></tr><tr><td>SECURE 2.0 Credits</td><td>($14,000)</td></tr><tr><td>S-Corp FICA Savings</td><td>($1,041)</td></tr><tr><td style="color:#999;">Est. Forfeitures* (not in net cost)</td><td style="color:#999;">($13,876)</td></tr></tbody></table> <div class="net-cost-bar green"> <span style="font-weight:700;font-size:12px;">Net Cost to Business</span> <span style="font-weight:700;font-size:19px;" id="optNetCostDisplay">$4,200</span> </div> </div> <div class="card-footer" style="border-top:1px solid #c8e6c9;"> <div style="color:#888;font-size:10px;" id="optSaveLabel">vs 5% Safe Harbor (Typical Strategy)</div> <div style="color:var(--green);font-size:22px;font-weight:700;margin:4px 0 2px;" id="optSaveNum">Save $34,444</div> <div style="color:#888;font-size:10px;" id="optSavePct">89% less than a typical plan</div> <div style="color:var(--gold);font-size:11px;font-weight:700;margin-top:4px;" id="optOwnerRetirement">+ $71,820 to Owner's retirement</div> </div> </div> </div> <!-- BANNER --> <div class="banner" id="bannerSection"> <div class="sans" style="color:#fff;font-size:11px;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;">LOWER COST + MORE RETIREMENT SAVINGS</div> <div style="color:var(--gold);font-size:18px;font-weight:700;margin-top:4px;" id="bannerText">Save $646 more AND get +$61,552 in owner retirement</div> </div> <!-- COMPLIANCE --> <div style="text-align:center;margin:8px 0;font-size:12px;"> <span style="display:inline-block;width:18px;height:18px;background:var(--green);color:#fff;border-radius:50%;text-align:center;line-height:18px;font-size:12px;font-weight:700;vertical-align:middle;">✓</span> <strong style="vertical-align:middle;margin-left:4px;">Both plans pass all IRS nondiscrimination requirements.</strong> </div> <!-- HOW IT WORKS --> <div class="section-title" style="font-family:Georgia,serif;">HOW IT WORKS</div> <div style="margin-bottom:6px;"> <div style="font-weight:700;font-size:12px;color:#222;margin-bottom:3px;">PlanForge Standard</div> <div style="font-size:11px;color:#555;margin-left:12px;border-left:3px solid #ddd;padding:4px 12px;line-height:1.4;" id="howStd">A voluntary 2.25% flat profit sharing plan designed to maximize SECURE 2.0 tax credits and vesting-based forfeitures. The result: your plan pays for itself while lowering your tax bill. No contribution is ever required.</div> </div> <div style="margin-bottom:12px;"> <div style="font-weight:700;font-size:12px;color:#222;margin-bottom:3px;">PlanForge Optimized</div> <div style="font-size:11px;color:#555;margin-left:12px;border-left:3px solid #ddd;padding:4px 12px;line-height:1.4;" id="howOpt">A voluntary cross-tested profit sharing plan. Business Owner receives up to the IRS maximum ($70,000 in 2025) while employees receive a competitive 5% contribution. The owner's retained share goes directly into their retirement account — it is not a business expense.</div> </div> <!-- COMPARISON TABLE --> <div class="section-title" style="font-family:Georgia,serif;">FINANCIAL IMPACT COMPARISON</div> <table class="comp-table" id="compTable"><thead><tr style="background:var(--gold);"><th style="text-align:left;padding:6px 10px;width:38%;border-radius:5px 0 0 0;"></th><th style="text-align:center;padding:6px;width:20.6%;">TYPICAL</th><th style="text-align:center;padding:6px;width:20.6%;">STANDARD</th><th style="text-align:center;padding:6px;width:20.6%;border-radius:0 5px 0 0;">OPTIMIZED</th></tr><tr style="background:#faf6ed;"><td style="padding:2px 10px;"></td><td style="text-align:center;font-size:9px;color:#999;font-style:italic;">5% Safe Harbor</td><td style="text-align:center;font-size:9px;color:#999;font-style:italic;">5% Flat PS</td><td style="text-align:center;font-size:9px;color:#999;font-style:italic;">Cross-Tested</td></tr></thead><tbody><tr style="border-bottom:1px solid #e8e8e8;"><td style="padding:5px 10px;">Total Profit Share</td><td style="text-align:center;padding:5px;color:#333;">$90,872</td><td style="text-align:center;padding:5px;color:#333;">$90,872</td><td style="text-align:center;padding:5px;color:#333;">$127,325</td></tr><tr style="border-bottom:1px solid #e8e8e8;"><td style="padding:5px 10px;">Less: Owner's Retained</td><td style="text-align:center;padding:5px;color:#333;">($22,818)</td><td style="text-align:center;padding:5px;color:#333;">($22,818)</td><td style="text-align:center;padding:5px;color:var(--green);">($71,820)</td></tr><tr style="border-bottom:1px solid #e8e8e8;"><td style="padding:5px 10px;">Less: Tax Deductions (32%)</td><td style="text-align:center;padding:5px;color:#333;">($29,079)</td><td style="text-align:center;padding:5px;color:#333;">($22,999)</td><td style="text-align:center;padding:5px;color:#333;">($36,264)</td></tr><tr style="border-bottom:1px solid #e8e8e8;"><td style="padding:5px 10px;">Less: SECURE 2.0 Credits</td><td style="text-align:center;padding:5px;color:#333;">$0</td><td style="text-align:center;padding:5px;color:#333;">($19,000)</td><td style="text-align:center;padding:5px;color:#333;">($14,000)</td></tr><tr style="border-bottom:1px solid #e8e8e8;"><td style="padding:5px 10px;color:#aaa;">Est. Forfeitures* (not in net cost)</td><td style="text-align:center;padding:5px;color:#aaa;">($6,805)</td><td style="text-align:center;padding:5px;color:#aaa;">($17,014)</td><td style="text-align:center;padding:5px;color:#aaa;">($13,876)</td></tr><tr style="border-bottom:1px solid #e8e8e8;"><td style="padding:5px 10px;">Less: S-Corp FICA Savings</td><td style="text-align:center;padding:5px;color:#333;">($331)</td><td style="text-align:center;padding:5px;color:#333;">($331)</td><td style="text-align:center;padding:5px;color:#333;">($1,041)</td></tr><tr style="background:#f5f6f8;border-top:2px solid #bbb;border-bottom:1px solid #e8e8e8;"><td style="padding:5px 10px;font-weight:700;">Net Cost (before fee)</td><td style="text-align:center;padding:5px;font-weight:700;color:#B22234;">$38,644</td><td style="text-align:center;padding:5px;font-weight:700;color:var(--navy);">$25,724</td><td style="text-align:center;padding:5px;font-weight:700;color:var(--navy);">$4,200</td></tr><tr style="border-bottom:1px solid #e8e8e8;"><td style="padding:5px 10px;">Plus: PlanForge Fee (20%)</td><td style="text-align:center;padding:5px;color:#333;">—</td><td style="text-align:center;padding:5px;color:#333;">—</td><td style="text-align:center;padding:5px;color:var(--gold);">$4,305</td></tr><tr style="background:#f0f1f3;border-top:2px solid #bbb;border-bottom:1px solid #e8e8e8;"><td style="padding:5px 10px;font-weight:700;">Net Cost (after fee)</td><td style="text-align:center;padding:5px;font-weight:700;color:#B22234;">$38,644</td><td style="text-align:center;padding:5px;font-weight:700;color:var(--navy);">$25,724</td><td style="text-align:center;padding:5px;font-weight:700;color:var(--navy);">$8,505</td></tr><tr style="background:var(--lgreen);border-bottom:1px solid #e8e8e8;"><td style="padding:5px 10px;font-weight:700;color:var(--green);">Your Savings vs Typical</td><td style="text-align:center;padding:5px;font-weight:700;color:#aaa;">—</td><td style="text-align:center;padding:5px;font-weight:700;color:var(--green);">$12,920</td><td style="text-align:center;padding:5px;font-weight:700;color:var(--green);">$30,139</td></tr></tbody></table> <!-- RETIREMENT SNAPSHOT --> <div class="section-title" style="font-family:Georgia,serif;">OWNER'S RETIREMENT SNAPSHOT</div> <div class="snapshot-boxes" id="snapshotBoxes"><div class="snap-box" style="border:2px solid var(--gold);"><div style="font-weight:700;color:var(--gold);font-size:13px;">Typical</div><div style="font-size:10px;color:#999;">5% Safe Harbor</div><div style="font-size:22px;font-weight:700;color:var(--navy);margin-top:4px;">$22,818</div></div><div class="snap-box" style="border:2px solid #bbb;"><div style="font-weight:700;color:#666;font-size:13px;">Standard</div><div style="font-size:10px;color:#999;">5% Flat PS</div><div style="font-size:22px;font-weight:700;color:var(--navy);margin-top:4px;">$22,818</div></div><div class="snap-box" style="border:2px solid var(--green);position:relative;"><div style="position:absolute;top:-10px;right:8px;background:var(--gold);color:#fff;font-size:9px;font-weight:700;padding:2px 8px;border-radius:10px;">3.1x MORE</div><div style="font-weight:700;color:var(--green);font-size:13px;">Optimized</div><div style="font-size:10px;color:#999;">Cross-Tested</div><div style="font-size:22px;font-weight:700;color:var(--green);margin-top:4px;">$71,820</div></div></div> <div class="callout" id="snapshotCallout">With PlanForge Optimized, <strong>Business Owner</strong> receives <strong>$71,820</strong> — that's <strong>$49,002</strong> more than a typical plan, deposited directly into their retirement account.</div> <!-- WHAT IF --> <div class="section-title" style="font-family:Georgia,serif;">WHAT IF WE ADJUST THE EMPLOYEE RATE?</div> <div style="font-size:10px;color:#777;margin-bottom:6px;line-height:1.4;"> Changing the employee rate adjusts the owner's allocation and net cost. Below 5%, the gateway test caps the owner at 3× the employee rate. Click a scenario to update the illustration — click it again to return to the original view. </div> <div class="wi-cards" id="wiCards"><div class="wi-card" style="border:2px solid #ccd5de;background:#fafbfc;" onclick="renderScenario(0)"><div style="font-weight:700;font-size:12px;color:var(--navy);letter-spacing:.3px;">1.0% NHCE</div><div style="font-size:11px;color:#333;margin-top:3px;font-weight:600;">Owner: $8,230</div><div style="font-size:9px;color:var(--green);margin-top:2px;">+$5,487 owner boost</div><div style="margin-top:4px;padding-top:4px;border-top:1px solid #e8e8e8;"><div style="font-size:9px;color:#888;text-transform:uppercase;letter-spacing:.5px;">Net Cost</div><div style="font-size:16px;font-weight:700;color:var(--navy);margin:2px 0;">-$1,464</div></div><div style="font-size:9px;color:#888;">Fee: $367</div><div style="font-size:11px;color:var(--green);font-weight:700;margin-top:3px;">Saves $1,836</div></div><div class="wi-card" style="border:2px solid #ccd5de;background:#fafbfc;" onclick="renderScenario(1)"><div style="font-weight:700;font-size:12px;color:var(--navy);letter-spacing:.3px;">2.0% NHCE</div><div style="font-size:11px;color:#333;margin-top:3px;font-weight:600;">Owner: $16,461</div><div style="font-size:9px;color:var(--green);margin-top:2px;">+$10,974 owner boost</div><div style="margin-top:4px;padding-top:4px;border-top:1px solid #e8e8e8;"><div style="font-size:9px;color:#888;text-transform:uppercase;letter-spacing:.5px;">Net Cost</div><div style="font-size:16px;font-weight:700;color:var(--navy);margin:2px 0;">$385</div></div><div style="font-size:9px;color:#888;">Fee: $663</div><div style="font-size:11px;color:var(--green);font-weight:700;margin-top:3px;">Saves $3,317</div></div><div class="wi-card" style="border:2px solid #ccd5de;background:#fafbfc;" onclick="renderScenario(2)"><div style="font-weight:700;font-size:12px;color:var(--navy);letter-spacing:.3px;">3.0% NHCE</div><div style="font-size:11px;color:#333;margin-top:3px;font-weight:600;">Owner: $24,691</div><div style="font-size:9px;color:var(--green);margin-top:2px;">+$16,461 owner boost</div><div style="margin-top:4px;padding-top:4px;border-top:1px solid #e8e8e8;"><div style="font-size:9px;color:#888;text-transform:uppercase;letter-spacing:.5px;">Net Cost</div><div style="font-size:16px;font-weight:700;color:var(--navy);margin:2px 0;">$5,508</div></div><div style="font-size:9px;color:#888;">Fee: $1,201</div><div style="font-size:11px;color:var(--green);font-weight:700;margin-top:3px;">Saves $6,007</div></div><div class="wi-card" style="border:2px solid #ccd5de;background:#fafbfc;" onclick="renderScenario(3)"><div style="font-weight:700;font-size:12px;color:var(--navy);letter-spacing:.3px;">4.0% NHCE</div><div style="font-size:11px;color:#333;margin-top:3px;font-weight:600;">Owner: $32,921</div><div style="font-size:9px;color:var(--green);margin-top:2px;">+$21,947 owner boost</div><div style="margin-top:4px;padding-top:4px;border-top:1px solid #e8e8e8;"><div style="font-size:9px;color:#888;text-transform:uppercase;letter-spacing:.5px;">Net Cost</div><div style="font-size:16px;font-weight:700;color:var(--navy);margin:2px 0;">$10,842</div></div><div style="font-size:9px;color:#888;">Fee: $1,788</div><div style="font-size:11px;color:var(--green);font-weight:700;margin-top:3px;">Saves $8,941</div></div><div class="wi-card" style="border:2px solid #ccd5de;background:#fafbfc;" onclick="renderScenario(4)"><div style="font-weight:700;font-size:12px;color:var(--navy);letter-spacing:.3px;">5.0% NHCE</div><div style="font-size:11px;color:#333;margin-top:3px;font-weight:600;">Owner: $70,000</div><div style="font-size:9px;color:var(--green);margin-top:2px;">+$56,283 owner boost</div><div style="margin-top:4px;padding-top:4px;border-top:1px solid #e8e8e8;"><div style="font-size:9px;color:#888;text-transform:uppercase;letter-spacing:.5px;">Net Cost</div><div style="font-size:16px;font-weight:700;color:var(--navy);margin:2px 0;">$8,505</div></div><div style="font-size:9px;color:#888;">Fee: $4,305</div><div style="font-size:11px;color:var(--green);font-weight:700;margin-top:3px;">Saves $21,524</div></div></div> <!-- FORFEITURE BENEFIT --> <div class="section-title" style="font-family:Georgia,serif;">FORFEITURE BENEFIT</div> <div id="forfeitureSection" style="border-left:4px solid var(--gold);background:#f8f9fa;padding:8px 14px;margin-bottom:10px;"> <div style="font-size:11px;color:#666;margin-bottom:4px;line-height:1.4;">Employees who leave before fully vested forfeit their unvested profit sharing balance, reducing future plan costs.</div> <div id="forfeitureContent"><div style="font-size:12px;">Estimated forfeitures (turnover rate: 25%): <strong style="font-size:15px;color:var(--gold);">Standard: $17,014 | Optimized: $13,876</strong> <span style="color:#999;font-size:10px;">(estimate only — not in Net Cost)</span></div></div> </div> <!-- DISCLAIMERS --> <div class="fine-print" id="disclaimers"> This illustration is based on current census data and IRS limits for the plan year shown. Actual results may vary based on final compensation, employee changes, and plan amendments. This is not tax or legal advice. Consult your tax advisor and ERISA counsel. All contributions are voluntary and discretionary. SECURE 2.0 credits subject to eligibility requirements. Owner's retained share is not a business expense — it goes directly into the owner's retirement account and is deducted from net cost. </div> </div> <div class="footer sans"> <div><em>PlanForge Consulting &nbsp;|&nbsp; Illustration Only, Not Tax or Legal Advice</em></div> <div>2025 Plan Year</div> </div> </div> </div> <div class="pf-side-photo-right"><img src="https://planforge401k.com/wp-content/uploads/2025/08/tim-mossholder-3asJCQUw9VA-unsplash-scaled.jpg" alt="American flag"></div> </div> <div class="pf-cape"> <img src="https://planforge401k.com/wp-content/uploads/2025/08/chris-grafton-ROpoIV9Z-a4-unsplash-scaled.jpg" alt="American landscape"> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </section> </div> <!-- Meta Pixel Event Code --> <!-- End Meta Pixel Event Code --> <div id="fb-pxl-ajax-code"></div> <!-- PlanForge Viewer FAB Widget — WPCode Production Snippet ======================================================== INSTALLATION: WordPress Admin > WPCode > Add Snippet > Custom Snippet (HTML) Set Location: Site Wide Footer | Auto Insert: On | Status: Active PURPOSE: Automatically shows the "Could this work for your business?" 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