Disclosures – tax-optimized

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Tax-Optimized Planning Solutions

Third-Party Administrator

Disclosures & Regulatory Information

Transparency in every engagement.

Tax-Optimized Planning Solutions, LLC is committed to operating with full transparency about who we are, the regulatory framework we operate under, the limitations of website information, and how we protect the privacy of every client.

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Firm Information

Regulatory Framework

Compliance Testing

Engagement Scope

Information on This Site

Cookies & Analytics

Securities & Insurance

Trademarks

Updates

1. Firm Information

Legal Entity: Tax-Optimized Planning Solutions, LLC, a New Mexico Limited Liability Company.

Principal Place of Business: Albuquerque, New Mexico

Main Telephone: 505-273-7702

General Inquiries: info@taxoptimizedsolutions.com

Authorized Representative: Brent Gordon, CFP®, Managing Partner

2. Regulatory Framework & Standards of Care

Every plan designed, implemented, and administered by Tax-Optimized Planning Solutions, LLC operates within a comprehensive framework of federal regulation, including but not limited to:

Internal Revenue Code (IRC), including Sections 401(a), 401(k), 404, 410(b), 415(b), 416, 430, and 436
Employee Retirement Income Security Act of 1974 (ERISA), as amended
Department of Labor (DOL) regulations under ERISA
Pension Benefit Guaranty Corporation (PBGC) premium and reporting requirements
Pension Protection Act of 2006 and SECURE Act / SECURE 2.0
IRS Employee Plans Compliance Resolution System (EPCRS)
Joint Board for the Enrollment of Actuaries
American Academy of Actuaries Code of Professional Conduct

Actuarial services for Defined Benefit plans are performed by Robert L. Rietz, Jr., FCA, EA, MSEA, MAAA, an Enrolled Actuary authorized to perform actuarial certifications for pension plans under IRS, DOL, and PBGC regulations.

3. Compliance Testing

Qualified retirement plans must satisfy a series of nondiscrimination, coverage, and contribution-limit tests on an annual basis to maintain qualified status. Tax-Optimized Planning Solutions performs these tests as part of the annual administration cycle, including ADP/ACP, coverage testing under IRC §410(b), top-heavy analysis under IRC §416, and annual AFTAP certification under IRC §436.

4. Engagement Scope & Limitations

We operate as a third-party administrator for qualified retirement plans. The scope of every engagement is defined by a written engagement letter executed at the outset of the relationship. Unless explicitly stated in that engagement letter, we do not provide legal advice, tax preparation, or accounting/audit services.

5. Information on This Website

The information on this website is provided for general educational purposes only and does not constitute personalized financial, tax, legal, actuarial, or investment advice. Examples of contribution ranges or tax savings are illustrative and are not guarantees of any specific result for any specific plan sponsor.

6. Privacy Policy

Tax-Optimized Planning Solutions, LLC is committed to safeguarding the privacy of every individual and business that interacts with our firm. We do not sell, rent, or trade personal information to any third party for marketing purposes. Information collected is used solely to deliver the services you have engaged us to provide and to satisfy applicable regulatory recordkeeping requirements.

7. Cookies & Analytics

This website uses cookies and similar technologies to support basic functionality, analyze traffic, and improve user experience. We do not use cookies to identify individual visitors or track activity across other websites.

8. Securities & Insurance

Securities, investment advisory, and insurance products discussed on this website or recommended in connection with qualified retirement plan design are offered through separately registered or licensed entities and individuals. Investment and insurance products are not FDIC-insured, are not bank-guaranteed, and may lose value.

9. Trademarks & Designations

CFP® and Certified Financial Planner® are certification marks owned by Certified Financial Planner Board of Standards, Inc. CFA® is a registered trademark of CFA Institute. Other designations are marks of their respective certifying organizations.

10. Updates to These Disclosures

Last Updated: [Insert publication date]

Tax-Optimized Planning Solutions reserves the right to update these disclosures at any time to reflect changes in business practices, regulations, or applicable law.

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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