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
Get Our Free Consultation

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.

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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.

Maximize Your Tax Savings

Retire with a pension
income for life

Leverage Cash Balance and Profit Sharing Plans

Benefits

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

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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.

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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.

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Discover How We Can Help

Who We Serve

Tailored Solutions for Your Business

Find Out More

Small Business
Owners

Sole
Proprietors

Contractors

CPAs

Success Stories

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). This strategy has become one of the most powerful tools I have introduced to my clients, helping me maintain my position as their most trusted advisor. By Partnering with RAS, I have dramatically increased my referrals along with my firm's revenue. This successful partnership with Steve and Kathleen has solidified their position as our most trusted advisors.
Ray Kondler CPAKondler And Associates CPAs
There are more choices now than ever when it comes to retirement plans. For small businesses, navigating these choices and making informed decisions is key to maximizing retirement savings for owners and employees. The RAS team has been instrumental in developing a plan that has helped Transmission Analytics maximize retirement savings, thereby helping our staff reach their long-term goals sooner. The RAS team is responsive and easy to work with, we would highly recommend the RAS team to those seeking customized retirement solutions tailored for your business. The customized plans continue to provide tremendous tax savings!
Sunil NairCEO Transmission Analytics LLC
This Team is the Best!! For Years, they have been my Go-To for maximum tax savings and helping me keep great employees. The customization of the plan design helps me navigate the different businesses I own while helping me capture the largest tax deductions and keep the lion's share of the plan contributions even though I own several businesses with many employees. Give them a call; it will be worth your time!!
Bob FahnestockPartner BFE/FMA/BMA
Stephen and Kathleen at Retirement Actuarial Services have been amazing to work with. I highly recommend them for anyone looking to maximize their wealth.
Billy ThompsonCEO Thompson Tee
Steve and Kathleen provide great service and can help business owners implement one of the best retirement plans, the Designer DB Plus® 401K+. The client can deduct contributions, let them grow tax-deferred, and then take them out as a Tax-Free benefit for Health costs in retirement, including health insurance premiums. Brilliant! It is one of the best Tax-Free moves for business owners.
HoslerWealth Management LLC
Stephen Arnold's book is a must-read for anyone navigating retirement planning. The clear and detailed explanations of Cash Balance plans and 401(k) combinations are invaluable. Arnold makes complex financial strategies accessible, empowering readers to make informed decisions about their future.
John Smith
As a financial advisor, I found Stephen Arnold's insights in 'Designer DB Plus®' incredibly enlightening. His expertise shines through, offering practical strategies that resonate with small business owners and individuals alike. This book is not just informative; it's a roadmap to maximizing retirement savings while minimizing tax burdens.
Mary Brown
I've been searching for a comprehensive guide on modern retirement planning, and Stephen Arnold delivers precisely that with 'Designer DB Plus®.' His detailed approach to integrating Cash Balance Defined Benefit plans and Profit Sharing/401(k) options is enlightening and practical. Arnold's book is a game-changer for anyone serious about securing their financial future.
David Miller
Stephen Arnold's 'Designer DB Plus®' is a crucial resource for understanding the complexities of retirement planning. His clear explanations and real-world examples make this book an essential reading for seasoned investors and those new to financial planning. If you want to navigate retirement options confidently, look no further.
Jennifer Taylor
Stephen and Kathleen at Retirement Actuarial Services have been amazing to work with. I highly recommend them for anyone looking to maximize their wealth.
Billy ThompsonCEO Thompson Tee
"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). This strategy has become one of the most powerful tools I have introduced to my clients, helping me maintain my position as their most trusted advisor. By Partnering with RAS, I have dramatically increased my referrals along with my firm's revenue. This successful partnership with Steve and Kathleen has solidified their position as our most trusted advisors.
Ray Kondler CPAKondler And Associates CPAs
There are more choices now than ever when it comes to retirement plans. For small businesses, navigating these choices and making informed decisions is key to maximizing retirement savings for owners and employees. The RAS team has been instrumental in developing a plan that has helped Transmission Analytics maximize retirement savings, thereby helping our staff reach their long-term goals sooner. The RAS team is responsive and easy to work with, we would highly recommend the RAS team to those seeking customized retirement solutions tailored for your business. The customized plans continue to provide tremendous tax savings!
Sunil NairCEO Transmission Analytics LLC
This Team is the Best!! For Years, they have been my Go-To for maximum tax savings and helping me keep great employees. The customization of the plan design helps me navigate the different businesses I own while helping me capture the largest tax deductions and keep the lion's share of the plan contributions even though I own several businesses with many employees. Give them a call; it will be worth your time!!
Bob FahnestockPartner BFE/FMA/BMA
Steve and Kat have made a huge impact on our advisory business and on me as a business owner. Their tailored solutions have helped manage our business taxes and build assets for me and our team. Our clients have also benefited from compensation plan construction and tax advisory. The tools developed and employed by Steve and Kat are novel and value-added for most small and medium-sized businesses.
Rusell Hackmann CFA, President Hackmann Wealth Partners
Steve and Kathleen provide great service and can help business owners implement one of the best retirement plans, the Designer 401K+. The client can deduct contributions, let them grow tax-deferred, and then take them out as a Tax-Free benefit for Health costs in retirement, including health insurance premiums. Brilliant! It is one of the best Tax-Free moves for business owners.
HoslerWealth Management LLC
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