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Boutique Third-Party Administrator

Sophisticated retirement plan design for business owners with six-figure tax bills.

Tax-Optimized Planning Solutions is a specialized third-party administrator built for one purpose: helping medical and professional practices, family-owned and operating businesses, and high-income consultancies maximize retirement contributions, reduce tax liability, and build sustainable retirement benefits for their employees, all under full IRS, DOL, and ERISA compliance.

Schedule a Discovery Conversation Explore Our Services

Built for business owners who have multiple employees and need larger deductions than standard 401 (k) limits allow.

If you are a business owner, medical professional, agricultural operator, or consulting firm partner with a six-figure annual tax bill and a 401 (k) that already maxes out, you have likely hit the ceiling of what conventional retirement planning can deliver. We specialize in advanced plan designs that can multiply your annual deductible contribution while building meaningful retirement benefits for your employees.

Schedule a Discovery Conversation Explore Our Services

Boutique Third-Party Administrator

Sophisticated retirement plan design for business owners with six-figure tax bills.

Schedule a Discovery Conversation Explore Our Services

Built for business owners who have multiple employees and need larger deductions than standard 401 (k) limits allow.

If you are a business owner, medical professional, agricultural operator, or consulting firm partner with a six-figure annual tax bill and a 401(k) that already maxes out, you have likely hit the ceiling of what conventional retirement planning can deliver. We specialize in advanced plan designs that can multiply your annual deductible contribution while building meaningful retirement benefits for your employees.

Six-figure annual tax bill

Maxed-out 401(k)

Succession or sale planning

Predictable business cash flow

01

You have a six-figure annual tax bill

02

You are already maxing out your 401(k) contributions

03

You consistently spend heavily at year-end to reduce taxable income

04

Your business has consistent, predictable cash flow

05

You are planning for internal succession or eventual sale

06

Legacy and estate planning are important priorities for your family

What does sophisticated
planning actually look like?

Combined Years of Experience

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Enrolled Actuaries in the U.S.

1 of 1

Owner Allocation Target

0 %+

Compliance Record

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A clear, structured process from start to Finish.

We meet with you and your advisor to understand your business, your tax position, your employees, and your long-term goals. We confirm fit, gather the data we need, and set expectations for what comes next.

Strategy & Plan Design Presentation

Our enrolled actuary completes the plan design. We walk you through projected contributions, tax savings, year-by-year projections, and the integrated insurance and investment components. Every number is grounded in compliance-tested actuarial work.

Implementation

Plan documents are drafted and signed, applications are submitted, accounts are established, and your plan is filed. From the moment you say yes, we own the execution. You stay focused on running your business.

Our Capabilities
Plan Design. Implementation. Administration.

From the first conversation through ongoing annual compliance, we operate as a fully integrated extension of your advisory team.

An extension of your practice, not a competitor.

Tax-Optimized Planning Solutions partners with financial advisors, CPAs, attorneys, and other professionals who serve high-income business owners. We bring the actuarial and plan administration expertise; you keep your client relationship. Our process is structured around your involvement, and our fee schedule is built to be fully transparent, with no surprises or hidden compensation.

Specialized Where It Matters Most.

Actuarial Expertise In-House

There are approximately 3,500 enrolled actuaries currently practicing in the United States. One of them, Bob Rietz, FCA, EA, MSEA, MAAA, signs every plan we deliver. The rare technical capability he brings is the foundation of every plan our team designs.

DB-Driven Plan Design Methodology

Our proprietary plan design methodology is structured to maximize owner contributions while satisfying every nondiscrimination test required under IRC §401(a). Where conventional designs can leave a significant share of contributions flowing to non-owner employees, our approach is engineered for owner-allocation outcomes that hold up under regulatory scrutiny.

Integrated Advisor Partnership

We operate alongside your financial advisor, CPA, and attorney, never around them. Our process is built to enhance the existing client relationship, not replace it. Referring advisors retain their client and receive a fully transparent fee structure.

Full Regulatory Oversight

Every plan we administer satisfies IRS, DOL, ERISA, and PBGC requirements. Our compliance discipline is the reason our clients sleep well at night and our plans pass audit after audit.

Ready to See What an Advanced Plan Could Look Like for You?

Schedule a complimentary discovery conversation with our team. We will discuss your business, your current tax position, and whether an advanced retirement plan structure may be the right fit. No pressure, no obligation, just a clear and candid conversation.

Helena Bradshaw

Sony CEO

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Alexander Foley

Tesla CMO

Monica Ingram

Apple Manager

Youssef Benson

Doctor

Ready to See What an Advanced Plan Could Look Like for You?

505-273-7702

A boutique third-party administrator specializing in advanced qualified retirement plan design for business owners with high tax burdens.

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A boutique third-party administrator specializing in advanced qualified retirement plan design for business owners with high tax burdens.

Contact Us

Boutique Third-Party Administrator

Sophisticated retirement plan design for business owners with six-figure tax bills.

Built for business owners who have multiple employees and need larger deductions than standard 401 (k) limits allow.

Boutique Third-Party Administrator

Sophisticated retirement plan design for business owners with six-figure tax bills.

An extension of your practice, not a competitor.

Tailored Financial Strategies

Built for business owners who have multiple employees and need larger deductions than standard 401 (k) limits allow.

Six-figure annual tax bill

Maxed-out 401(k)

Succession or sale planning

Predictable business cash flow

01

02

03

04

05

06

What does sophisticated planning actually look like?

A clear, structured process from start to Finish.

Strategy & Plan Design Presentation

Implementation

Our Capabilities Plan Design. Implementation. Administration.

An extension of your practice, not a competitor.

Specialized Where It Matters Most.

Actuarial Expertise In-House

DB-Driven Plan Design Methodology

Integrated Advisor Partnership

Full Regulatory Oversight

Ready to See What an Advanced Plan Could Look Like for You?

Ready to See What an Advanced Plan Could Look Like for You?

505-273-7702

Download Case Documents

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What does sophisticated
planning actually look like?

Our Capabilities
Plan Design. Implementation. Administration.