Insights
Pension insights for business owners.
The pages in the footer, in one place.
Owner briefing
A note every two weeks, written to the limits that were current that week.
2024–2026 IRS limits
Deferrals, annual additions, compensation cap, and the defined-benefit dollar limit.
Compare SEP, 401(k), pension
What changes once a SEP or solo 401(k) is already full.
Illustrative contributions
Age-based ranges, labeled as illustrations, not IRS caps.
When it is not a fit
Income, staff, and timing cases where this plan should wait.
Staff cost
Why the census, not a slogan, decides what the owner keeps.
Deadline calendar
Form 5500, minimum funding, and the tax-return date.
Fees and who does what
Administrator, enrolled actuary, trustee, and CPA.
After the plan exists
A soft year, a new hire, a practice sale, and termination.
Tax savings calculator
A first sketch of contribution room. Not a quote.
FAQs
Questions owners ask before they send a census.
Schedule a consultation
Send compensation and a roster. We’ll say if a design is worth it.
Owner briefing
Every two weeks, from September 2024.
September 13, 2026
You already maxed a 401(k). What 2026 still leaves
The $24,500 deferral is only the first of three IRS ceilings, and the cash balance deposit under the $290,000 benefit limit is illustrative, not a third cap.
Read the briefing