PlanForge Consulting

At PlanForge Consulting, we believe small business owners shouldn’t have to choose between taking care of their employees and protecting their bottom line. That’s why we specialize in designing and implementing 401(k) plans for businesses with 15–75 W‑2 employees that often run at net‑zero cost — or even better. By leveraging SECURE Act 2.0 tax credits, strategic plan design, and federal incentives, we help owners reduce 401(k) costs by 90% or more, redirecting money that would have gone to the IRS into meaningful employee benefits and owner retirement savings. Real Results • A 36‑employee business reduced plan costs by 91.8%, saving nearly $20,000. • A 22‑employee company turned their 401(k) into a net gain of –$282, meaning the plan paid them back while rewarding employees. • A 29‑employee business achieved a net gain of –$330, transforming tax liabilities into employee retention tools. More Than Just a Plan Every client receives access to a CFP® professional and a Tax & Real Estate Attorney, ensuring their retirement strategy is backed by financial and legal expertise. We also design plans that allow access to alternative investments such as real estate, private equity, and crypto inside retirement accounts. 🤝 Referral & Partnership Programs • Referral Program: We pay $250–$500 for every qualified business owner referred who implements a 401(k) plan (even if not with us). • Partnership Program: CPAs, payroll providers, bookkeepers, and insurance professionals can collaborate with us to expand their service offering, strengthen client loyalty, and even share in ongoing administrative revenue. Why PlanForge? • Net‑zero cost strategies backed by real case studies • Personalized illustrations for each business (not estimates, real payroll data) • Support for both owners and employees to maximize long‑term outcomes If you’d rather reward your team and build wealth instead of overpaying the IRS, PlanForge Consulting is ready to show you how.