For business owners, retirement contributions aren't just about the future — they're one of the most powerful tools available to reduce your tax bill today. The right plan can shelter hundreds of thousands of dollars annually while building long-term wealth.
Most business owners think of retirement planning as something separate from tax strategy. But for owners generating $500K+ in revenue, retirement contributions are the single most powerful way to reduce taxable income — legally and immediately.
A SEP-IRA lets you contribute up to $69,000 per year. A Solo 401(k) offers the same with a Roth option. And a Defined Benefit Plan? That can shelter $275,000 or more annually.
Layer these together — ideally within an optimized entity structure — and you can shelter over $300,000 per year in tax-deductible contributions, money that's working for your future instead of going to the IRS.
Each plan serves a different situation. The right choice depends on your income, number of employees, and how much you want to shelter.
One of our clients was projected to owe $523,000 federal and $74,000 state for a single tax year. Through our Tax Intelligence Framework, we reduced that to a $1,600 federal refund and $9,000 state liability.
Retirement planning was the centerpiece. The client contributed $318,000 to a Defined Benefit Plan and $121,000 to a 401(k) — investing roughly 70% of that into cryptocurrency, aligning the tax strategy with their personal wealth-building goals.
The result: approximately $400,000 per year flowing into crypto through retirement vehicles, with full tax deductibility.
Read the Full Case Study →We'll model the right retirement plan mix for your income level and show you exactly how much you can save — this year and going forward.
Tell us about your business and we'll identify every savings opportunity available to you.