BUSINESS OWNER PLANNING TOOL PRELIMINARY SCREENING

A disciplined first look at advanced retirement plan fit.

Use a few approximate business facts to determine whether a formal plan-design review may be worth pursuing. The screening takes about 60 seconds and provides an immediate Fit or No Fit result.

60 SECApproximate inputs

IMMEDIATEFit / No Fit result

NO OBLIGATIONProfessional review only if requested

Enter the business profileOwner age and compensation, entity type, eligible employees, average employee pay, and marginal tax rates.

Review the preliminary resultSee whether the facts entered indicate a potential advanced-plan fit and view the corresponding illustration.

Choose the next stepIf the result indicates a potential fit, request a no-obligation formal plan-design review.

Business Owner Planning Tool · Educational Illustration

Tax Reduction Opportunity MRI™

Preliminary business-owner tax-planning and advanced retirement-plan opportunity screening.

Business-owner planning inputs

Business Name

Used to identify this preliminary illustration and any proposal request.

Approximate Owner Compensation or Earned Income

Select the entity type to see the appropriate preliminary compensation guidance. A reasonable estimate is sufficient.

Owner age

Federal Marginal Tax Rate (%)

State Marginal Tax Rate (%)

Enter the estimated marginal state income-tax rate applicable to the deduction. Enter 0% for a state with no individual income tax or when state-tax savings are not being illustrated.

Entity type

Estimated number of eligible employees

An approximate count is sufficient for screening.

Approximate average employee compensation

Use a reasonable average; a detailed census is required only for a formal proposal.

Reasonable estimates are sufficient for this 60-second preliminary screen. Exact compensation and employee census information are required only for a formal proposal.

I understand that this tool provides a preliminary educational screening estimate based on limited and potentially approximate information. It is not an actuarial valuation, formal plan proposal, tax opinion, legal opinion, or guarantee of contribution levels, deductibility, employee cost, tax savings, or plan suitability. Exact results require review of owner compensation, employee census information, entity structure, plan assumptions, applicable law, and formal actuarial plan design.

Legal Disclaimer · Privacy Policy

Preliminary opportunity illustration

Illustrative planning snapshot

Complete the required fields and acknowledge the preliminary-use terms to generate the illustration.

Preliminary Opportunity Screening Result

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Preliminary annual contribution opportunity

Preliminary Potential Maximum Annual Cash Balance Contribution—

This is a broad preliminary screening estimate—not an actuarial contribution calculation.

Preliminary Potential Annual Owner Profit-Sharing Contribution—

Potential 401(h) Retiree Medical Layer—

A 401(h) retiree medical component may provide an additional deductible funding opportunity. The amount requires formal actuarial design and is not included in this preliminary total.

Illustrative Annual Employee Allocation at 5%—

Actual employee cost depends on eligibility, census data, compensation, allocation design, nondiscrimination testing, and applicable plan requirements.

Preliminary Potential Maximum Total Annual Contribution—

Preliminary potential maximum annual contribution.

A formal plan proposal can be designed below the preliminary potential maximum annual contribution, subject to actuarial calculations, employee census data, nondiscrimination testing, funding requirements, and applicable law.

These figures are preliminary estimates of potential contributions for a single plan year—not maximum contributions over the life of the plan. A formal proposal may be tailored to the business’s objectives at contribution levels up to the preliminary estimates shown.

Screening assumptions: —

Estimated tax savings

Projected Federal Tax Savings—

Projected State Tax Savings—

Combined Projected Tax Savings—

Tax savings assume that the illustrated contribution is available and fully deductible. Actual results depend on entity structure, taxable income, plan design, contribution deductibility, and the client’s complete tax circumstances. Federal and state estimates are calculated independently using the entered rates and then added together.

Preliminary illustration—not a plan design or tax calculation. Formal actuarial analysis and professional review are required.

Methodology and assumptions

Cash Balance screening uses the preserved conservative age-factor schedule applied to approximate owner compensation or earned income, capped at the 2026 compensation limit.
Corporate owner profit sharing is screened at 25% and self-employed/partnership owner profit sharing at 20%, subject to the 2026 compensation and defined-contribution limits.
The 401(h) layer requires formal actuarial design and contributes $0 to this preliminary total.
Illustrative employee allocation equals 5% of entered aggregate estimated eligible-employee compensation and is not proportionally reduced.
Potential Fit uses an approximately $75,000 desired or potential annual owner-contribution opportunity indicator; employees do not automatically disqualify a case.
Federal and state savings are calculated independently from the preliminary annual contribution estimate and then added together.
Entity type determines the preliminary compensation label and owner profit-sharing screening factor. Formal review remains required.

Ready for a Formal Plan-Design Review?

Complete a preliminary estimate before requesting a plan-design review.

Preliminary Tax Reduction Opportunity Report

Preliminary Opportunity Screening

Business profile inputs

Preliminary annual contribution illustration

The 401(h) retiree medical layer requires formal actuarial design and is not included in the preliminary total. Employee allocation is illustrated at 5% of estimated aggregate eligible-employee compensation.

Tax illustration

Tax savings assume the illustrated contribution is available and fully deductible. Actual results depend on the complete facts.

Methodology and assumptions

This fast qualifier uses a conservative age-based Cash Balance screening factor, 2026 compensation and defined-contribution limits, entity-sensitive owner profit-sharing screening factors, and a disclosed 5% employee-allocation assumption. It is not an actuarial calculation or formal plan design.

Required preliminary-use disclaimer

This report is a preliminary educational illustration based on limited information and generalized assumptions. It is not tax, legal, accounting, actuarial, investment, or financial advice; a plan design, proposal, valuation, suitability determination, fee agreement, or guarantee. Actual contribution limits, deductions, costs, tax effects, and strategy availability require complete census and compensation data, actuarial analysis, testing, professional review, and current law.

FROM SCREENING TO FORMAL DESIGN

A clear, professional review process.

A preliminary result is the beginning of the analysis—not the plan design.

Preliminary Screening

Review the Fit or No Fit result and the educational contribution and tax-savings illustration.

Census & Objectives Review

RAS reviews owner compensation, employee census information, entity structure, and planning objectives.

Formal Actuarial Design

Any recommendation is developed through formal actuarial analysis and coordinated professional review.

Important: This tool is an educational screening illustration—not an actuarial valuation, formal proposal, tax opinion, legal opinion, or guarantee. Final contribution levels, employee costs, deductibility, and plan suitability require formal actuarial design and professional review.

A disciplined first look at advanced retirement plan fit.

Tax Reduction Opportunity MRI™

Business-owner planning inputs

Ready for a Formal Plan-Design Review?

Request a Preliminary Proposal

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What Happens Next

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Preliminary Tax Reduction Opportunity Report

Business profile inputs

Preliminary annual contribution illustration

Tax illustration

Methodology and assumptions

Required preliminary-use disclaimer

A clear, professional review process.

Preliminary Screening

Census & Objectives Review

Formal Actuarial Design