Game-Changing Tax Reduction & Retirement Strategy

For Today’s Small Business Owners

  • Hundreds Of Thousands in Annual tax-deductible Contributions
  • Qualify for the Elusive 20% QBI tax deduction in many cases
  • Creditor Protected Assets
  • Reduce taxes on the sale of your business
  • Tax-Free Post Retirement Health and Long-term Care benefits
  • Build Multi-Million Dollar Retirement accounts in less than ten years

Recently Implemented Cases

Real Estate Agent

Software Business

Dental Practice

Construction Company

Real Estate Agent

Farming Business

Medical Practice

Dental Practice

Machining Business

Sales Business

Law Firm

Software Business

T-Shirt Business

Sanitation Business

Vacation Rental Business

CPA Practice

Home

Real Estate Agent / Sol Proprietor

Chads Tax Liability without implementing Designer DB Plus® Plan

  • Net Profit after Expenses and deductions$500,000
  • Married Filing jointly tax Liability at 35%$175,000
  • Creditor Protected Retirement Savings$0.00
  • Tax Free Medical Reimbursement in Retirement$0.00
GOAL: Chad wants to retain more of his earnings, pay lower taxes, secure his retirement savings, and prepare for the high cost of health and medical care in retirement
  • Net Profit after Expenses:$500,000
  • Plan Contribution$262,000
  • Qualified Business Income:$238,000
  • Pass-through Deduction:($47,600)
  • Taxable Income:$190,400
  • Tax & Deferred Savings First Year

    $129,304
  • First-Year Creditor Protected Savings:

    $262,000

ADDITIONAL DEDUCTION: As an owner of a pass-through entity, this client qualified for the 20% QBI tax deduction under the (Section 199A) threshold for married couples.

Note: his income was above the threshold before plan implementation, disqualifying him from the additional tax deduction.

 

*Please consult your tax advisor; RAS does not provide tax advice but will collaborate with your tax advisor.

* Tax savings compared to no Plan and (Section 199A) QBI deduction. The case assumes an estimated 35% tax rate. RAS does not provide tax advice. This example is based on specific assumptions and is used for illustrative purposes only.

Home

Dental Practice

Dr. Smiley Tax Liability without implementing Designer DB Plus® Plan

  • Net Profit after Expenses and deductions$1,500,000
  • Married Filing jointly tax Liability at 37%$550,000
  • Creditor Protected Retirement Savings$0.00
  • Tax Free Medical Reimbursement in Retirement$0.00

GOAL: Reduce his personal taxes, accelerate his retirement savings to maintain his lifestyle, create tax-free post-retirement savings for health & medical care to cover high costs in retirement and create a succession plan for his son to take over practice.

  • Net Profit after Expenses:$1,470,000
  • Plan Contribution$1,162,952
  • Qualified Business Income:$307,048
  • Taxable Income:$307,048
  • Tax & Deferred Savings First Year

    $470,208*
  • Creditor Protected Retirement Savings:

    $1,139,693
  • Tax Free Medical Reimbursement in Retirement

    $284,923

*Please consult your tax advisor; RAS does not provide tax advice but will collaborate with your tax advisor.

* Tax savings compared to no plan implemented and an estimated 37% tax rate. RAS does not provide tax advice. This example is based on specific assumptions and is used for illustrative purposes only.

Home

Software Business / S-Corp

Sunils Tax Liability without implementing Designer DB Plus® Plan

  • Net Profit after Expenses and deductions$865,000
  • Married Filing jointly tax Liability at 37%$320,050
  • Creditor Protected Retirement Savings$0.00
  • Tax Free Medical Reimbursement in Retirement$0.00

GOAL: Sunil wants to pay lower taxes to ensure he has enough retirement savings to maintain his lifestyle and be prepared for the high cost of medical and health care in retirement.

  • Net Profit after Expenses:$865,000
  • Plan Contribution$535,040
  • Qualified Business Income:$329,960
  • Pass-through Deduction:($65,922)
  • Taxable Income:$263,968
  • Tax & Deferred Savings First Year

    $256,698*
  • Creditor Protected Retirement Savings:

    $502,937
  • Tax Free Medical Reimbursement in Retirement

    $125,734

ADDITIONAL DEDUCTION: As an owner of a pass-through entity, this client qualified for the 20% QBI tax deduction under the (Section 199A) threshold for married couples.

Note: his income was above the threshold before plan implementation, disqualifying him from the additional tax deduction.

*Please consult your tax advisor; RAS does not provide tax advice but will collaborate with your tax advisor.

* Tax savings compared to no Plan and (Section 199A) QBI deduction. The case assumes an estimated 37% tax rate. RAS does not provide tax advice. This example is based on specific assumptions and is used for illustrative purposes only.

Home

Construction Company / S Corp

Bill’s Tax Liability without implementing Designer DB Plus® Plan

  • Net Profit after Expenses and deductions$797,000
  • Married Filing jointly tax Liability at 37%$294,890
  • Creditor Protected Retirement Savings$0.00
  • Tax Free Medical Reimbursement in Retirement$0.00

GOAL: Bill wants to save on taxes. provide employee benefits while controlling costs, and ensuring he has enough retirement savings to maintain his lifestyle while simultaneously creating tax-free money for the high cost of Health and Medical expenses in retirement.

  • Net Profit after Expenses:$797,471
  • Plan Contribution$561,627
  • Qualified Business Income:$235,844
  • Pass-through Deduction:($47,169)
  • Taxable Income:$188,675
  • Tax & Deferred Savings First Year

    $249,782*
  • Creditor Protected Retirement Savings:

    $526,137
  • Tax Free Medical Reimbursement in Retirement

    $157,841

ADDITIONAL DEDUCTION: As an owner of a pass-through entity, this client qualified for the 20% QBI tax deduction under the (Section 199A) threshold for married couples.

Note: his income was above the threshold before plan implementation, disqualifying him from the additional tax deduction.

*Please consult your tax advisor; RAS does not provide tax advice but will collaborate with your tax advisor.

* Tax savings compared to no Plan and (Section 199A) QBI deduction. The case assumes an estimated 37% tax rate. RAS does not provide tax advice. This example is based on specific assumptions and is used for illustrative purposes only.

Recently Implemented Cases

Real Estate Agent

Farming Business

Medical Practice

Dental Practice

Machining Business

Sales Business

Law Firm

Software Business

T-Shirt Business

Sanitation Business

Vacation Rental Business

CPA Practice

To See If You Qualify, Answer Just Two Easy Questions.

Would you like to make a tax-deductible contribution of more than $61,000 per year towards your retirement plan.

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To See If You Qualify, Answer Just Three Easy Questions.

Congratulations! You qualify. To learn more, please contact us.

Get Started

You may need a tailored plan that suits your needs. We can help you, so please contact us.

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Why Choose US

As you build your business or near retirement, securing your wealth for the future is crucial. Traditional retirement plans may not be enough for high-income individuals and successful business owners. Consider Designer DB Plus® for substantial tax deductions and flexibility in contributions. This plan provides a creditor-protected account, potentially accumulating millions in retirement savings in less than ten years. Designer DB Plus® also offers tax-free benefits for health, medical, and long-term care expenses, ensuring financial security in retirement. With our tailored approach and collaboration with your CPA, integrating Designer DB Plus® into your tax reduction and retirement planning provides a strong financial safety net and peace of mind as you transition into retirement.

About the Book

Game-Changing Tax Reduction & Retirement Strategy

For Today’s Small Business Owners

“Designer DB Plus®” offers cutting-edge, flexible retirement planning strategies specifically tailored for small business owners. This plan integrates IRS-approved Cash Balance Defined Benefit plans with Profit Sharing/401(k) and 401(h) options, providing a comprehensive approach to retirement security. It is ideal for small business owners seeking creditor protection, large tax deductions, and substantial contributions that can create a lifelong pension. Additionally, the plan offers tax-free health and long-term care benefits in retirement.

Maximize Your Tax Savings

Retire with a pension
income for life

Leverage Cash Balance and Profit Sharing Plans

Success Stories

Our Expert Services

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Tax Reduction
Strategies

The Designer DB Plus® Strategy is a sophisticated financial plan that uses specific IRS-approved plans and regulations to help businesses and individuals reduce their taxable income. Here’s a more detailed breakdown

Creditor-Protected
Retirement Accounts

ERISA is a federal law that sets minimum standards for private retirement and health plans. It protects individuals in these plans and provides creditor protection. ERISA-qualified retirement plans, including Cash Balance Defined Benefit plans, are generally shielded from creditors’ claims, meaning their assets are protected from bankruptcy and cannot be seized in case of a lawsuit or financial trouble.

Custom Planning &
Administration

Retirement Actuarial Services provides a comprehensive, turn-key solution to effectively implement this powerful strategy. By leveraging our deep expertise and cutting-edge tools, we simplify the process, ensuring seamless execution from start to finish. Our solution covers every aspect of the strategy, from initial analysis and plan design to ongoing administration, testing, reporting, and compliance.

Who We Serve

Tailored Solutions for Your Business

Small Business
Owners

Sole
Proprietors

Contractors

CPAs