Advanced tax reduction and retirement planning for high-income business owners and professionals.
A structured actuarial approach designed to potentially redirect $100,000–$700,000+ annually into tax-advantaged retirement and medical planning strategies.
Example Plan Design Snapshot
This example shows how a layered Designer DB Plus® strategy may help the right high-income business owner create larger deductions and build retirement assets more intentionally.
Actual results depend on income, age, employee demographics, business structure, and overall plan design.
DESIGNER DB PLUS® STRATEGY
Designer DB Plus® Strategy
Annual Tax Deduction Breakdown & Illustrative Plan Economics
This side-by-side example shows how the annual deduction is structured and how the same plan design may translate into owner contribution, employee cost, net deduction, and estimated tax savings.
Annual Tax Deduction Breakdown
This example shows how Cash Balance, Profit Sharing, and 401(h) medical funding can work together inside one coordinated annual strategy.
Illustrative Plan Economics
A side-by-side economics view helps show how much of the illustrated contribution is tied to the owner, what the employee cost looks like, and the estimated tax impact.
Is Designer DB Plus® Right for You?
See your potential tax savings in under 60 seconds.
Designer DB Plus® is engineered for high‑income business owners who are paying more in taxes than they should. If your business generates consistent profit and you're looking to convert taxable income into tax‑deferred retirement wealth — while adding a layer of creditor‑protected assets and tax‑free medical benefits — this strategy may be a strong fit.
Estimate deductible contribution range, potential tax savings, and whether a cash balance combo plan may fit — before any consultation.
Before strategy, structure, or implementation—serious decisions start with measurable outcomes.
High-income individuals, business owners, and their advisors all ask the same first question:
“Is this worth doing?”
This calculator is designed to answer that—quickly and objectively.
Instead of starting with theory, it shows:
- The potential magnitude of tax savings
- The level of annual contributions
- The long-term retirement impact
Only after understanding the numbers does the strategy—and whether it makes sense—become clear.
Download the strategy guide sooner, not later.
- Written for business owners, CPAs, and advisors
- Explains advanced retirement design in plain English
- Supports stronger trust before a consultation
- Pairs naturally with the calculator as a second conversion path
How the Engagement Typically Progresses
The process is designed to feel guided from the beginning. Each phase has a clear purpose, a defined timeline, and coordinated support so prospects and referral partners understand what happens next.
Initial Analysis
Review the client profile, business economics, and high-level planning opportunity to determine whether the strategy merits a deeper design discussion.
Plan Design
Develop a coordinated plan structure around contribution goals, employee impact, and practical design considerations for the case.
Installation
Finalize documents, align implementation details, and coordinate the setup process so the plan is put in place correctly and efficiently.
Ongoing Administration
Support continues beyond setup with annual administration, contribution guidance, compliance oversight, and ongoing coordination as the plan operates.
Annual Review
Revisit results, confirm the strategy remains aligned with current business conditions, and evaluate any adjustments for the next planning cycle.
Designer DB Plus® layered strategy framework
A structured multi-layer planning approach designed to convert business income into tax‑efficient retirement wealth.
What this can look like in a realistic contribution example.
Based on an owner age 52 with $1,000,000 of gross income. Actual figures vary by age, entity type, compensation, and plan design.
Core defined benefit plan
Layered on top of DB plan
Medical reimbursement layer
$415,000 total potential deduction
Estimated federal tax savings: ~$153,550 at a 37% marginal federal rate.
Physician case example
Illustrative physician scenario- Layer 1: Cash Balance Plan ≈ $250,000
- Layer 2: 401(k) + Profit Sharing ≈ $40,000
- Layer 3: 401(h) Medical Account ≈ $60,000
Annual income example
Real clients. Real numbers.
Endodontist Case
Age 49 • $1.5M net income • Dental practice
Construction Company Case
$797K net • S‑Corp owner • Age 61
Real Estate Case
Age 53 • $500K net income • Solo agent
From analysis to annual administration.
Analysis
Review profit, compensation structure, staff census, and goals to confirm fit and model contribution ranges.
Plan Design
Engineer the optimal plan balancing owner objectives, employee fairness, compliance, and sustainability.
Implementation
Coordinate documents, stakeholders, certifications, testing, and launch execution.
Annual Administration
Handle actuarial valuations, compliance testing, government reporting, and plan renewals year‑round.
Long-Term Outcome
Illustrative Retirement Outcome Example
Large current-year deductions matter, but the long-term outcome matters just as much. This section helps show how a disciplined multi-year Designer DB Plus® strategy can shift the conversation from tax savings alone to retirement capital accumulation over time.
Illustrative Long-Term Accumulation
Retirement outcome snapshot
| Years | Annual Contribution | Projected Value |
|---|---|---|
| 5 | $300,000 | $1,700,000 |
| 10 | $300,000 | $3,900,000 |
| 15 | $300,000 | $6,800,000 |
Testimonials
“Stephen and Kathleen at Retirement Actuarial Services have been amazing to work with. I highly recommend them for anyone looking to maximize their wealth.”
“Implementing Designer DB Plus for my small business clients has yielded tremendous tax savings — ranging from hundreds of thousands to almost a million dollars in some cases.”
“The RAS team has been instrumental in developing a plan that helped maximize retirement savings for both owners and employees.”
Meet the leadership team behind the strategy.
Stephen Arnold, CRPS
Leads the strategic vision, public education, and market-facing positioning behind Designer DB Plus®.
Kathleen Arnold, CRPS
Supports owner and advisor conversations with plan design insight, communication, and co-authored strategy education.
Zak Kenne
EA, MAAA, MSPA, QPA, QKA
Provides technical actuarial depth, plan qualification expertise, and implementation support across advanced designs.
Jianni Bellucci
Keeps communication, coordination, and client support moving smoothly across the planning and onboarding process.
Questions that reduce hesitation.
See what this strategy could look like for you.
We will review your situation and determine whether this approach appears appropriate based on your income, structure, age, and planning goals.
