Advisors
In the last five to ten years, what people want and need from their CPAs and advisors has dramatically shifted. As the AICPA put it, CPAs are now expected to be their clients’ “most trusted business advisors,” and as CPA Horizons 2025 pointed out, a CPA is no longer defined by “traditional services such as tax preparation, audits, and financial statements.” Accordingly, advisors are frequently under the same pressure. Clients are demanding more. Providing proactive planning and solutions-driven strategies will create an ongoing stream of referrals.
Empowering Financial Advisors
Leveraging Designer DB Plus® and Retirement Actuarial Services for Small Business Owners and Asset Management Growth.
For financial advisors seeking to provide tailored solutions to small business owners and grow their assets under management, a deeper exploration of Designer DB Plus® and Retirement Actuarial Services is highly recommended. Designer DB Plus®, when combined with the support of Retirement Actuarial Services as a Third-Party Administrator (TPA), offers a comprehensive, turnkey solution. This powerful combination can significantly enhance financial planning strategies and build trust with small business clients, providing advisors with a competitive edge.
Opportunity in an Underserved Market
With approximately 33.2 million small businesses in the United States, accounting for 99.9% of all U.S. businesses, there is a vast and largely underserved market for financial advisors. Many small business owners lack access to personalized retirement and financial planning services that cater to their unique needs. By leveraging Designer DB Plus® and TPA services, advisors have the opportunity to fill this gap, offering specialized solutions that can help these businesses thrive. This underserved market represents a significant growth opportunity for advisors who are willing to provide the attention and expertise that small business owners seek
Key Benefits of 
Tailored Tax Reduction & Retirement Solutions
Designer DB Plus® allows financial advisors to create custom-defined benefit plans that align with small business owners’ specific needs and goals. This personalized approach, supported by a TPA, can attract business owners looking for retirement solutions beyond traditional 401(k) plans, making the advisor an invaluable partner in their long-term financial planning.
Expert TPA Support
Retirement Actuarial Services, acting as a Third-Party Administrator, brings expertise that simplifies the complex process of setting up and managing defined benefit plans. Their role in administering these plans ensures compliance with regulatory requirements and relieves small business owners of administrative burdens. This turnkey solution allows advisors to offer sophisticated retirement plans with the backing of a trusted expert, further building client confidence and trust.
Ongoing Asset Management
Once these plans are implemented, advisors benefit from receiving large money deposits to manage continuously, year after year. This creates a steady stream of assets under management, enhancing the advisor’s portfolio and providing consistent growth in their practice. The recurring nature of these deposits ensures that advisors continue to strengthen their relationship with clients while also securing a stable financial base for their business.
Increased Asset Retention
By offering a sophisticated and highly personalized product like Designer DB Plus®, coupled with the reliable administration services of a TPA, advisors can foster stronger client relationships, leading to higher retention rates. Satisfied small business clients are more likely to consolidate their assets with a trusted advisor who demonstrates an understanding of their unique financial landscape.
Comprehensive Wealth Management
Designer DB Plus® is not just about retirement planning—it’s a gateway to providing comprehensive wealth management services. Advisors can integrate this solution into broader financial strategies encompassing tax planning, estate planning, and investment management, thereby gathering more assets under management and expanding their service offerings.
Competitive Advantage
Understanding and offering Designer DB Plus®, along with TPA services, sets financial advisors apart from competitors who may only provide more generic retirement solutions. This can particularly appeal to small business owners who require sophisticated planning to maximize tax benefits and retirement savings.
Growth Opportunities
For advisors focused on growing their practice, Designer DB Plus® represents an opportunity to tap into the small business market. This segment often seeks personalized financial advice but is underserved by traditional financial institutions. With the addition of TPA services, advisors can offer a fully supported, turnkey solution, driving growth through referrals and satisfied clients.
Conclusion
For financial advisors looking to enhance their value proposition to small business owners while significantly growing their assets under management, Designer DB Plus®, combined with the expertise of Retirement Actuarial Services as a Third-Party Administrator, offers a powerful, turnkey solution. By learning how to position this plan and integrating it into their service offerings, advisors can provide differentiated, high-value advice that meets the complex needs of small business clients. Moreover, the recurring, large deposits in the hundreds of thousands of dollars annually associated with these plans ensure steady growth in assets under management, driving both client satisfaction and long-term business success.
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