1. Retirement Planning

Retirement Planning is the “Wealth Preservation” layer of your corporate architecture. We move beyond basic savings to architecting High-Yield Tax-Advantaged Ecosystems. By leveraging the latest SECURE Act 2.0 incentives, we ensure your entities provide elite-level benefits that attract top talent while simultaneously serving as a powerful vehicle for reducing your corporate tax liability.

Retirement Plan Setup: The Strategic Foundation

• The Depth: We architect the optimal plan structure for your specific business scale—whether it’s a Solo 401(k) for your consultancy, a SEP IRA for flexible high-margin years, or a Safe Harbor 401(k) to bypass non-discrimination testing. In 2026, we focus on maximizing SECURE 2.0 Tax Credits, which can cover 100% of setup costs (up to $5,000/year) for small businesses. We ensure your plan is “Future-Proofed” with features like Automatic Enrollment (which triggers an additional $500 annual tax credit) and Roth Contribution options to hedge against future tax hikes.
• The Outcome: Turnkey Benefit Infrastructure. You gain a fully compliant, tax-efficient retirement vehicle that enhances your employer brand and provides a protected vault for long-term wealth accumulation.

Retirement Contribution Strategies: The 2026 Optimization

• The Depth: We synchronize your contributions with your annual tax strategy. For 2026, we leverage the increased $24,500 employee deferral limit and the new “Super Catch-up” of $11,250 for those aged 60–63. We architect “Profit-Sharing” models that allow for total contributions up to $72,000 (or $80,000+ with catch-ups). We also manage the 2026 Roth Mandate, ensuring high-earners correctly direct their catch-up contributions to Roth accounts to avoid compliance triggers while maximizing tax-free growth.
• The Outcome: Maximum Fiscal Efficiency. You receive a contribution roadmap that perfectly balances your current year tax deductions with long-term retirement goals, ensuring you never “leave money on the table” due to under-utilization of IRS limits.

Industry-Standard Pricing Guide (2026)

Pricing for Retirement Planning is based on the complexity of the plan design, the number of employees, and the level of ongoing fiduciary oversight.