Actuarial Boutique Design
Actuarial Engineering for the
$500k+ High-Income Professional.
Most 500k+ earners are still funding retirement through vehicles built for W-2 employees.
If your structure isn't fixed before year-end, the contribution room for this year is permanently forfeited.
A $750k earner using a Solo 401(k) is capped at ~$72,000.
Plan designs at this income level commonly support six-figure annual contributions, subject to plan testing.
Next: complete the preliminary review, then decide whether a confidential conversation is useful.
$500k+ Net Business Profit S-Corp / 1099 Structuring No W-2 Dependency
A clear next step
For high-income business owners considering a custom retirement-plan review
Start with a three-step preliminary review. You will share business and retirement context first, then decide whether a confidential conversation is the right next step.
The review is an intake for discussion; individual figures and suitability still require professional review.
Share context
Choose the income, structure, current plan, and tax context that apply.
Clarify readiness
Tell the team about your timing and preparedness for a deeper review.
Choose a conversation
Provide contact details and scheduling availability if you want follow-up.
The Tax Delta
Your Hidden Tax Loss (Live).
Consumer-grade retirement vehicles leave your wealth dangerously exposed to prime tax brackets.
By deploying a custom Pension Tree, you fundamentally redesign your structure: moving from the $72,000 (2026) limit on total Solo 401(k) additions to $300k+ of annual deferral capacity, subject to plan design and testing. It explicitly shifts highly taxable income directly into your protected control.
1
Maximize pre-tax contribution limits2
Fund life insurance with corporate-deductible dollars3
Achieve creditor-protected wealth transferInteractive Analysis
Select Annual Income$750,000
$300k$5M+
Old tax due with Solo 401(k)$305,100
Tax due with an MPT Plan $193,500
Annual Tax Saved
$111,600
Illustrative estimate from your inputs. Actual results depend on your census, plan design and testing.
Actuarial Application in Reality
Verified Profile
High-Income Professional
S-Corp / 1099 Contractor
Sample Adjusted Gross Income
$1,200,000
Generic Ceiling: Solo 401(k) total additions
$72,000 (2026)
Custom Plan Design
Six-Figure Range
Annual Contributions
Sized by census & plan testing
Exclusive Access. Zero Burden.
Filing a tax extension does not buy you more time. Fully-insured structural elements require up to 60 days of strict medical underwriting. We strictly limit intake to only 5 new custom plans per month.
If you miss this window, you wait another full tax year.
Flat fee retirement plan pricing. Zero AUM fee.
Corporate Optimization
Synchronized neatly with your S-Corp or LLC structure.
Turnkey Filing
100% digital onboarding. We handle IRS filings and Plan Docs.
Audit Resilient
Architected strictly to federal ERISA and IRC standards.
Every design is reviewed by our in-house actuarial desk and built to the IRS and ERISA funding rules that govern qualified plans.
Strategic Architecture
The Actuarial Knowledge Base.
Deep-dive monographs on the structural mechanisms behind high-net-worth tax shields.
Actuary vs. CPA
How your CPA and actuary contribute different expertise to a retirement plan review.
Asset Protection and Its Limits
Review ERISA coverage, exceptions, and questions to discuss with your attorney.
Strategic Liquidity
Balance retirement funding with cash needs and understand plan access restrictions.
Who We Engineer For
Peer validation matrix for Surgeons, Partners, and Top 1099 Consultants.
Demand the Actuarial Advantage.
Use the preliminary review to share your plan context and decide whether to continue to a conversation.