A retirement plan built for you — not just your employees.
If you own a profitable business, the largest check you write every year probably goes to the IRS — and the plan sitting on your books is doing almost nothing about it. Advanced qualified plan design lets owners deduct six and seven figures a year, under decades-old Internal Revenue Code. Most owners never hear about it, because most advisors don't design it.
Fifteen minutes. No charge, no pressure, and a straight answer either way.
There are only two qualified plans. You're allowed to have both.
The names tell you exactly how they work — and why the one you already own was never going to solve your tax problem.
Defined Contribution — your 401(k) and profit sharing
The law defines what goes in: roughly $72,000 a year, or $80,000 if you're over 50. Growth is uncapped, which is great. But if you're netting seven figures, the deduction is a rounding error. This is the plan almost every business owner already has, and the reason it feels like an employee benefit is that it was built as one.
Defined Benefit — the pension almost nobody offers you
The exact opposite formula. The law defines what comes out — a retirement benefit currently worth several million dollars per person. Think of it as a bucket you're permitted to fill, where your age and your income determine how fast you may fill it. Closer to retirement means larger annual contributions.
The second benefit inside the pension
A properly designed defined benefit plan can fund two benefits, not one: the retirement benefit, and a death benefit. The present value of that death benefit is an allowable premium — funded with pre-tax dollars, on top of the retirement number, not carved out of it. Bigger contribution, bigger deduction, and you finish holding an asset with cash value you can later borrow against, move to a trust, or pledge as collateral.
What the difference actually looks like.
Most plans fail owners in one of two ways: they don't generate enough deduction, or they force too much money out to staff. A maximized, fully cross-tested combination plan is designed to fix both at once.
Who this is for — and who it isn't.
This is a narrow strategy. It's worth being honest about that up front so you don't spend fifteen minutes finding out you're not a candidate.
A strong fit if…
- ✓You control your own income — owner, partner, 1099, sole proprietor, or LLC
- ✓Your household takes home $500,000 or more, ideally north of $1M
- ✓You carry 1 to 100 full-time employees — larger groups are designable too
- ✓Your tax bill is six figures and it's the biggest expense you don't control
- ✓You already max your 401(k) and it barely moves the needle
- ✓Industry and entity type don't matter — only control of income does
Probably not a fit if…
- ×You're a pure W-2 employee with no control over your compensation
- ×Your annual tax bill is modest — this is built to erode six and seven figures, not a few thousand
- ×Profit is inconsistent or unproven — there's nothing to defer yet
- ×You want a plan that's primarily an employee benefit rather than a tax tool
- ×You're looking for investment management — that's a different conversation
What actually happens next.
No commitment at any point, and nothing costs you anything until there's a design worth looking at.
A 15-minute call
We go over your current situation — your income, your entity, and roughly how many people are on payroll. Most of these run shorter than the slot.
It goes to our tax planning department
I hand your situation to the team that does the actual design and actuarial work. They look at whether a plan can be built around your specific numbers.
A straight answer in 48 business hours
I come back to you either way — whether we can help, or whether we can't and why. If we can, you'll see what a design would look like before you commit to anything.
Let's find out what you've been overpaying.
Fifteen minutes on the phone. I'll ask about your business, your income, and your headcount — then get you a real answer within 48 business hours. Worst case, you learn the plan you already have is the right one and you stop wondering.
No charge, no obligation, and no pitch if you're not a fit.
kyle@futurefinancial.us · (954) 296-4803
Future Financial is an independent insurance and financial services agency. The content on this page is provided for general educational purposes only. It is not tax, legal, investment, or accounting advice, and it is not an offer or solicitation to buy or sell any product or security. No attorney-client, accountant-client, or fiduciary relationship is created by viewing this page or by contacting us.
Contribution, deduction, and benefit limits referenced reflect current federal law and are subject to change. Qualified retirement plans are governed entirely by the plan document, applicable Internal Revenue Code sections, ERISA, and IRS nondiscrimination testing requirements. Eligibility, employee coverage obligations, vesting, funding requirements, and permitted contributions vary by plan and by year.
The case referenced on this page is a single actual plan redesign presented solely for illustration. Outcomes depend entirely on census data, ownership structure, participant ages, compensation, entity type, and applicable testing, and will differ in every situation. Tax savings figures are estimates. No specific result, deduction, or tax outcome is promised or guaranteed, and past design results do not predict future results.
Plan design, actuarial certification, and third-party administration are delivered in coordination with independent specialty planning and consulting actuarial firms. Insurance products, where used, are issued by the applicable carrier and are subject to underwriting, carrier approval, and the terms of the policy contract. Always consult your own CPA, tax attorney, or qualified tax advisor before implementing any strategy described here.