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
Home
Real Estate Agent / Sol Proprietor
- Chad, age 53, is married.
- He is a successful real estate agent with no employees.
- Chad has a net profit of $500,000 (after paying self-employment tax).
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
With implementing 
Plan
- 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 37% 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 is 49 years old, married, and the owner of a thriving Endodontist practice with ten employees.
- They file as a Professional Corporation.
- He nets approximately $1.5m after expenses.
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.
With implementing Plan
- 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
- Sunil is 43 years old, married, and the owner of a thriving Software Engineering firm.
- Sunil has five employees, and they file as an S Corporation.
- As a result, he nets approximately $ 865,000 after expenses.
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.
With implementing Plan
- 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 is 61 years old, married, and owns a construction company with thirty employees.
- They file as S Corp.
- He nets approximately $797,000 after expenses.
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.
With implementing Plan
- 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
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.
To See If You Qualify, Answer Just Three Easy Questions.
Congratulations! You qualify. To learn more, please contact us.
Get StartedYou may need a tailored plan that suits your needs. We can help you, so please contact us.
Get StartedWhy 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
when looking at its layout.
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.
Small Business
Owners
Sole
Proprietors
Contractors
