Retirement Plan Design & Administration · Florida
Design-first retirement plan administration for Florida's owner-led firms. 48-hour design studies. Flat fees. No asset charges.
Built for owner-led firms: dental · medical · legal · accounting · specialized trades (HVAC and similar)
The universe
7,800+
Florida owner-led firm plans in public filings (dental, medical, legal, accounting, specialized trades). Most were never designed.
The 401(k) case
$43–54k
average employer money flowing through undesigned plans each year ($43k in dental, $54k in physician practices).
The pension case
~90%
of dental practices have no pension layer, and the pattern repeats across the medical, legal, accounting, and trade filings we screen.
The product line
The Fix
Your plan keeps refunding your contributions? That's a design failure. It's fixable, and for plans established in 2024 or later, federal startup credits can offset some or all of the cost, depending on headcount.
Read: The Fix →The Design
Safe-harbor and cross-tested design that puts up to $72,000 a year toward each owner (the 2026 limit), with the practice's share decided after year-end.
Read: The Design →The Harvest
A cash-balance plan is the second bucket. At late-fifties ages, it can often add more than $200,000 per owner per year on top of a 401(k), depending on age and pay.
Read: The Harvest →Process
We start from your plan's public Form 5500 record, before we've taken a minute of your time.
Twenty minutes settles whether the numbers are worth pursuing. Bring your CPA; we prefer it.
Any format your payroll system produces. We take it from there.
A written study with the worked numbers for your practice, 48 hours after your census lands.
We handle testing, filings, notices, and amendments on time, every year, for a flat fee.
What you can count on
Every design is checked by a credentialed QPA before it ships. Cash-balance certifications are signed by an enrolled actuary.
We never hold or touch plan money. Custodians and recordkeepers do that. We do design, testing, and filings.
Priced per year, not per dollar. No asset charges, no revenue sharing, no commission from anyone's fund.
Every figure we quote about your plan cites the filing it came from. Public record, checkable by you.
These designs don't suit every practice, and we would rather say so on the first call than sell you a plan that disappoints in year two. You are probably not a fit if:
If the numbers don't work, we'll tell you.
Before you book
Nothing, and it ends with a straight answer, which is either a number or a “this doesn't work for you.” Bring your CPA; we prefer it.
No. We never hold or touch plan assets; custodians and recordkeepers do. We do the design, the testing, and the filings.
Flat fees by product: $2,500–3,500/yr for 401(k) work, $7,500–9,500/yr for cash balance, the actuary's certification included. No asset charges. No revenue sharing. A design study, when the numbers warrant one, is a $2,000 flat fee.
Send us nothing but your plan name. We'll read the public filing and tell you what it says, including if it says you're fine.
Keep them for the call. We read your plan's public filing and tell you what it says. If a redesign makes sense, we take over the design and administration; whether your recordkeeper stays depends on how the current plan is bundled, and we'll tell you that on the call too.
No fee for the call. No obligation. If the numbers don't work, we'll tell you.
