- 969 Pine Street Grand Rapids, MI 49503
- 505-273-7702
- info@topstpa.com
Contact Us
Our Services
Our Services
Advanced retirement planning, built around your business.
Tax-Optimized Planning Solutions designs, implements, and administers qualified retirement plans for business owners who have
outgrown the standard 401(k). Every engagement is led by credentialed professionals, backed by an enrolled actuary, and
supported by an operations team that handles execution from start to finish.
What We Do
Four core capabilities. One integrated team.
Plan Design
Custom-built defined benefit, cash balance, and 401(k) profit-sharing structures designed around your tax position, your business, and your team.
Implementation
Full setup of your plan documents, accounts, and filings, coordinated with your advisor, CPA, and attorney.
Annual Administration
Ongoing recordkeeping, actuarial certifications, and government filings to keep your plan running smoothly year after year.
Compliance & Testing
All required nondiscrimination, coverage, and contribution-limit testing performed under IRS, DOL, and ERISA standards.
Plan types we specialize in.
Defined Benefit Plans
Designed for owners seeking the highest allowable contribution levels and predictable retirement income.
Cash Balance Plans (Split Funded)
A modern hybrid structure that combines the benefits of a defined benefit plan with the flexibility business owners value, and can allow for future planning leverage investment and insurance assets.
401(k) and Profit-Sharing Plans
Traditional contribution-based plans, often integrated with a defined benefit component to create a complete retirement strategy.
Plan types we specialize in.
Every business has different needs. Whether your goal is to maximize your own retirement savings, build meaningful benefits for your team, or balance both, we will recommend a structure suited to your situation.
Defined Benefit Plans
Designed for owners seeking the highest allowable contribution levels and predictable retirement income.
Cash Balance Plans (Split Funded)
A modern hybrid structure that combines the benefits of a defined benefit plan with the flexibility business owners value, and can allow for future planning leverage investment and insurance assets.
401(k) and Profit-Sharing Plans
Traditional contribution-based plans, often integrated with a defined benefit component to create a complete retirement strategy.
How We Work
Three meetings. One clear path forward.
Discovery
We learn about your business, your goals, and your current position.
Strategy
We present a tailored plan and walk through the numbers together.
Implementation
We execute everything required to bring your plan online.
Why business owners and advisors choose us.
⚖ Regulatory Compliance
Full IRS, DOL, and ERISA oversight on every plan we administer.
★ Actuarial Expertise
Credentialed actuarial work signed off on every plan we deliver.
◈ Tax Optimization
Plan design calibrated to maximize allowable tax deductions and employer financial benefits.
♥ Employee Retirement Security
Plans built to deliver meaningful retirement value to every participant, not just to ownership.
Is an advancedi plan right for you?
Our services are built for business owners and professionals who have already maxed out conventional retirement planning. If you recognize yourself in the points below, we should have a conversation.
- You have a six-figure annual tax bill
- you are already maxing out your 401(k)
- Your business has consistent, predictable cash flow
- You want to build meaningful retirement savings beyond what your current plan allows
- You care about offering strong retirement benefits to your team
Let's start the conversation.
Every business is different, and every plan we design reflects that. Schedule a complimentary discovery conversation, and we will walk you through whether an advanced plan is the right fit for your business.
Let's start the conversation.
Every business is different, and every plan we design reflects that. Schedule a complimentary discovery conversation, and we will walk you through whether an advanced plan is the right fit for your business.
Real Client Feedback
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur laoreet cursus volutpat. Aliquam sit amet ligula et justo tincidunt laoreet non vitae lorem. Aliquam porttitor tellus enim, eget commodo augue porta ut. Maecenas lobortis ligula vel tellus sagittis ullamcorperv vestibulum pellentesque cursutu.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur laoreet cursus volutpat. Aliquam sit amet ligula et justo tincidunt laoreet non vitae lorem. Aliquam porttitor tellus enim, eget commodo augue porta ut. Maecenas lobortis ligula vel tellus sagittis ullamcorperv vestibulum pellentesque cursutu.
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