Could You Be Missing a Six-Figure Tax Deduction?
Business owners earning $300,000+ may qualify for advanced tax reduction and retirement planning strategies designed to improve long-term outcomes and reduce current tax exposure.
Built for business owners looking for tax deductions and retirement contributions beyond 401(k) limits.
This page is designed for profitable owners who want to know whether their current retirement plan structure may be underpowered for their income, age, employee base, and long-term goals.
Designed for Business Owners Seeking More Than a Basic Retirement Plan
A traditional SEP IRA or standard 401(k) may not be enough for high-income owners who want larger deductions, long-term asset accumulation, creditor protection strategies, and future medical reimbursement planning.
Tax Efficiency
Estimate whether your current plan design may be too limited for your income level and tax exposure.
Retirement Plan Optimization
Evaluate whether coordinated Cash Balance and 401(k) plan design may create more powerful contribution capacity.
Medical Reimbursement Planning
Learn how a 401(h) account may provide an additional tax-advantaged layer for retirement medical costs when properly designed.
The Three-Layer Structure Behind the Opportunity
The analysis does not start by selling a product. It first identifies whether your facts suggest a potential planning opportunity, then evaluates which strategy layers may deserve a closer review.
A 401(h) account may provide tax-deductible funding, tax-deferred growth, and tax-free reimbursements for eligible retirement medical expenses, which may include long-term care costs, certain insurance premiums, and out-of-pocket health and medical expenses. Actual results depend on plan design, actuarial calculations, eligibility, administration, and applicable law.
Designer DB Plus® Three-Layer Strategy
Cash Balance Plan
Potential for larger tax-deductible employer contributions and long-term tax-deferred accumulation for eligible business owners.
401(k) + Profit Sharing
Coordinated contribution design beyond basic 401(k) deferrals, aligned with employee demographics and plan objectives.
401(h) Medical Account
Potential tax-deductible funding, tax-deferred growth, and tax-free reimbursement for qualified retirement medical expenses.
Depending on age, compensation, actuarial assumptions, participant census, and plan design, funding capacity may reach up to approximately $750,000 per participant for eligible retirement medical benefits, including certain long-term care costs, insurance premiums, and out-of-pocket health expenses.
Estimate Whether Your Business May Be a Candidate
Answer a few basic questions. No result is displayed until the assessment is completed. The score is educational and not tax advice, but it can help determine whether a more formal strategy review may be worth your time.
Business Owner Tax Savings Analysis™
Enter estimated information only. A formal review would require census data, compensation details, plan documents, and actuarial calculations.
Your Tax Opportunity Score will appear here.
Complete the assessment to generate a score, planning range, and potential opportunities. No recommendations are displayed until data is entered.
Potential Opportunities Identified
Your Personalized Results Are Ready
Enter your information to receive your Tax Opportunity Report and recommended next steps.
Example Opportunities
These are simplified examples for educational discussion. Actual contribution levels and tax outcomes vary based on age, compensation, employee census, plan design, actuarial assumptions, and applicable law.
Potential review: Cash Balance + coordinated 401(k) + 401(h) medical planning.
Potential review: larger deduction capacity than basic SEP or standard 401(k).
Potential review: accelerated retirement funding and long-term tax deferral.
Potential review: plan redesign, profit sharing allocation, and medical reimbursement layer.
Why Business Owners Use This Analysis
Many owners search for ways to reduce business taxes, increase retirement deductions, or improve tax efficiency. The real question is whether your current structure fits your income, age, employee base, and long-term goals.
Cash Balance Plan Review
A Cash Balance plan may allow significantly higher deductible employer contributions than a basic retirement plan for certain business owners.
401(k) Coordination
Plan design matters. A 401(k) and profit sharing layer should be coordinated with owner goals, employee demographics, and compliance testing.
401(h) Medical Planning
For the right plan, a 401(h) layer may help create a dedicated medical reimbursement pool for retirement health care costs.
Common Questions
Who is this analysis designed for?
It is primarily designed for profitable business owners, professional practices, and self-employed professionals earning approximately $300,000 or more who want to evaluate whether advanced tax reduction and retirement plan strategies may be appropriate.
Is this a Cash Balance calculator?
No. It is a broader opportunity assessment. It estimates whether a Cash Balance plan, coordinated 401(k), profit sharing structure, 401(h) medical account, or layered strategy may deserve further review.
Can a 401(h) account really reimburse medical expenses tax-free?
When properly established and administered as part of a qualified pension plan, a 401(h) account may reimburse eligible medical expenses tax-free. This can include certain retirement health costs, long-term care expenses, insurance premiums, and out-of-pocket medical expenses, subject to plan terms and applicable tax rules.
Does this guarantee tax savings?
No. This page is educational and does not guarantee deductions, tax savings, plan qualification, or suitability. A formal analysis requires professional review and actuarial calculations.
See if your current plan is leaving opportunity on the table.
Start with the Business Owner Tax Savings Analysis™ and review your Tax Opportunity Score.
