tax-optimized

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Tax-Optimized Planning Solutions

Third-Party Administrator

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 high-income business owners, medical professionals, and consulting firms maximize retirement contributions, reduce tax liability, and build sustainable retirement benefits for their employees, all under full IRS, DOL, and ERISA compliance.

Combined Years of Experience

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Enrolled Actuaries in the U.S.

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Owner Allocation Target

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Compliance Record

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Who We Serve

Built for business owners who have six-figure tax bills.the 401(k).

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You have a six-figure annual tax bill

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You are already maxing out your 401(k) contributions

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

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Your business has consistent, predictable cash flow

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You are planning for internal succession or eventual sale

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Legacy and estate planning are important priorities for your family

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.

Custom Plan Design

Defined Benefit, Cash Balance, and 401(k) Profit-Sharing plans engineered around your tax position, employee demographics, and long-term business objectives.

Implementation

End-to-end execution: legal documents, trust establishment, participant communications, insurance applications, and integration with existing benefits.

Annual Administration

Annual actuarial certification, Form 5500 filings, nondiscrimination testing, PBGC premiums, and complete participant recordkeeping.

Compliance & Testing

All required nondiscrimination, coverage, and contribution-limit testing performed under IRS, DOL, and ERISA standards.

What Sets Us Apart

Bob Rietz is one of approximately 3,500 enrolled actuaries currently practicing in the United States. He signs every plan we deliver. That technical credential is the foundation of everything we do.

How We Work

Three meetings. One clear path forward.

Our process is built to respect your time and produce clarity at every stage.

Step 01

Discovery

45 to 60 minutes

We learn about your business, your goals, and your current position. We confirm fit, gather the data we need, and set expectations for what comes next.

Step 01

Discovery

45 to 60 minutes

We learn about your business, your goals, and your current position. We confirm fit, gather the data we need, and set expectations for what comes next.

Step 01

Discovery

45 to 60 minutes

We learn about your business, your goals, and your current position. We confirm fit, gather the data we need, and set expectations for what comes next.

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.

Tax-Optimized Planning Solutions

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

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